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Cheap Car Insurance: Davis, California

Compare Cheap Car Insurance for Davis, CA Drivers

Enter ZIP 95616 and compare 30+ California carriers on the same coverage target. Progressive, National General, Bristol West, Dairyland, and The General all compete on your Davis file. Lowest comparable monthly result first — two minutes, no credit hit.

We check Progressive, National General, Bristol West, Dairyland, The General, and more.

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Reviewed by , Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years California insurance content
Pedro Mendoza headshot

Reviewed by

Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years reviewing California auto-insurance shopping and quote-comparison workflows

Pedro Mendoza is founder and editorial lead of Cheap Auto Insurance CA. He reviews California quote-comparison pages for matched-input methodology: garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and start date. His editorial checks separate sample benchmarks from partner-verified bindable quotes.

Editorial method: this page is reviewed against matched California quote inputs, including garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and requested start date. Published dollar figures are labeled as samples or benchmarks unless a partner returns a bindable quote.

Quotes facilitated by licensed California insurance partners. We do not bind policies directly. This byline identifies the editorial owner for the page. Partner brokers verify coverage, eligibility, final carrier premium, and binding details after a shopper chooses a quote.

  • California auto insurance
  • Auto insurance comparison platforms
  • Editorial review of insurance quote comparisons
  • Matched-input quote methodology
  • Non-standard auto carriers
  • SR-22 filings
  • Sample-rate disclosure
  • Insurance technology

Read Pedro's full editor profile →

Davis at a glance: what we plug into the rate panel

Every California rate panel reads the same core inputs: ZIP code, vehicle, driver record, coverage level, and the city's overall risk profile. The table uses local source data for Davis.

Population
64,776
County
Yolo County
Region
Sacramento Region
ZIP code
95616 (downtown reference)
Area code
530
Nearest DMV
Davis Field Office — 345 L St

What is the cheapest car insurance available in Davis, CA?

The cheapest bindable Davis rate is the lowest comparable monthly result across 30+ carriers for your exact ZIP, driver record, vehicle, and coverage level — not a city average.

Downtown Davis (95616) runs ~$1,868/year; South Davis (95618) runs ~$1,711/year per market benchmark data. The CA DOI premium tool at https://interactive.web.insurance.ca.gov/apex_extprd/f?p=111:1 shows filed carrier rates. For ZIP 95616 with a clean record and a low-mileage vehicle, Progressive (Snapshot telematics up to 30% off) and National General typically lead the standard tier. California mandatory good-driver discount (§1861.025 at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1861.025&lawCode=INS) delivers at least 20% off for 3+ years licensed with ≤1 DMV point. Low-mileage Davis drivers — common given the city's bicycle commuting culture — may see additional savings through telematics programs. Cheap Auto Insurance CA = California auto insurance comparison platform shoppers report saving up to $500/year against the 30+ panel.

CarrierEst. monthlyBest fit
Progressive$65-100Clean record, low-mileage, telematics-comfortable
National General$80-115Standard continuous coverage, UC Davis faculty/staff
Bristol West$100-138Lapse rebuild, minor violations
Dairyland$115-155SR-22, DUI reinstatement
The General$132-172No-prior, immediate bind

Can a UC Davis student get cheap car insurance in Davis?

Yes — UC Davis students with 3+ years licensed, a clean record, and a good-student grade average can qualify for rates comparable to non-student Davis residents, plus good-student discounts at multiple carriers.

California Prop 103 (§1861.02 at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1861.02&lawCode=INS) does not treat student status as a rating factor — carriers set rates based on driving record, annual miles, and years of experience. A student with 3+ years licensed, no at-fault accidents, and ≤1 DMV point qualifies for the mandatory 20% good-driver discount (§1861.025 at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1861.025&lawCode=INS). Good-student discounts (typically B average or above, full-time enrollment) add 5-10% at carriers including Allstate, State Farm, and Progressive. Students with vehicles registered at a parent's out-of-state address should use their Davis garaging ZIP for accurate pricing — using the parent's address is misrepresentation.

We beat your current Davis monthly rate or you walk away

Our Davis standard: lower only counts when the real garaging ZIP, driver list, vehicle, limits, deductibles, and payment terms match. Use ZIP 95616 or 95618 or the exact Yolo County garaging ZIP, keep coverage steady, and let the 30+ carrier panel rank the lower comparable option first. Quotes facilitated by licensed California insurance partners. We do not bind policies directly.

  • 30+
  • $500/year on car insurance

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Carrier rate ledger: Davis

Read the Davis carrier ledger as a shopping map. Use ZIP 95616 or the exact Yolo County garaging ZIP, keep drivers, vehicles, limits, deductibles, proof timing, and payment plan steady, then compare Progressive, National General, Bristol West, Dairyland, The General, and the rest of the 30+ California panel.

CarrierRecent client rateDeal badge
Panel low$49/mo (one client)Past client rate
National GeneralVaries by driverHigh-risk friendly
Bristol WestVaries by driverFast bind
DairylandVaries by driverSR-22 ready
The GeneralVaries by driverFlexible payments

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Five-carrier breakdown: Davis

Each carrier files its own rate model with the California DOI. Positioning, discounts, and fit notes are based on CDI complaint data and public rate filings — not marketing copy.

Progressive

Panel leader for Davis standard tier; Snapshot telematics particularly valuable for low-mileage drivers

Best fit
Clean record, confirmed low-mileage, telematics-comfortable, UC Davis faculty
Top discounts
Snapshot up to 30% · Multi-policy 12% · Paid-in-full 8%
CDI complaint note
Below industry median (CDI 2024)
Est. monthly
$65 clean 30yo standard

National General

Allstate-owned; solid Yolo County appetite

Best fit
Continuous coverage, UC Davis faculty/staff, homeowner
Top discounts
Multi-policy 12% · Homeowner 5% · Auto-pay 4%
CDI complaint note
At industry median
Est. monthly
$80

Bristol West

Farmers non-standard; lapse rebuild

Best fit
Lapse rebuild, minor at-fault
Top discounts
Paid-in-full 8% · Renewal 4%
CDI complaint note
Slightly above median
Est. monthly
$100

Dairyland

Sentry subsidiary; SR-22 specialist

Best fit
SR-22, DUI reinstatement
Top discounts
Transfer 6% · Defensive driving 4%
CDI complaint note
Above median
Est. monthly
$115

The General

Non-standard; same-day bind

Best fit
No prior insurance, immediate bind
Top discounts
Online 5% · Homeowner 3%
CDI complaint note
Above median
Est. monthly
$132

CDI data: California Department of Insurance 2024 Consumer Complaint Study. AM Best ratings current as of 2025. Rate estimates illustrative — run the panel for your exact profile.

Carrier rate comparison: Davis

Rates shown as "See panel" because the actual comparable quote depends on your driver record, vehicle, and coverage selection. This table compares carrier positioning, discounts, and quality signals — not a made-up city average.

CarrierEst. monthlyTop discountBest-fit driverCDI complaintAM Best
Progressive$65Snapshot up to 30%Clean record, low-mileage Davis driverBelow industry medianA+ (Superior)
National General$80Multi-policy 12%Standard continuous coverageAt industry medianA (Excellent)
Bristol West$100Paid-in-full 8%Lapse / non-standardSlightly above medianA (Excellent)
Dairyland$115Transfer 6%SR-22 / DUIAbove medianA (Excellent)
The General$132Online quote 5%No-prior / immediate bindAbove medianA− (Excellent)

Rates as of 2026, sample driver profile (34yo, clean record, 2019 Civic, liability only, Davis area). Your quote will vary. CDI complaint ratios: California DOI 2024. AM Best: current public ratings.

Coverage worked through: what actually happens in Davis

Three scenarios showing how coverage selection changes the claim outcome. Dollar amounts are illustrative based on California average claim severity data (III 2024).

Scenario 1

Setup
Davis student driver, 25yo, clean record, 2014 Honda Civic paid off, ZIP 95616, liability-only 50/100/50
Coverage that applies
Bodily injury $50K/$100K + property damage $50K — above CA minimum with asset-appropriate limits
Payout walk-through
At-fault collision injures another driver: up to $100K BI + $50K PD covered. Your Civic damage: not covered under liability-only.
With minimum-only liability
Upgrading from CA minimum (15/30/5) to 50/100/50 typically adds $8-15/mo in Yolo County. For a low-value paid-off vehicle, this is often the right balance — full coverage on a $5K car may not be cost-effective.

Coverage receipt: Davis baseline

The receipt view keeps Davis shoppers focused on what coverage is being priced. Liability, UM/UIM, collision, comp, rental, roadside, and filing-related lines must be visible before price is judged. Liability terms at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=11580.1&lawCode=INS; proof requirements at https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/.

  • BI per person$15,000 CA min to $100,000 typical
  • BI per accident$30,000 CA min to $300,000 typical
  • Property damage$5,000 CA min to $100,000 typical
  • Collision deductibleOptional $500 / $1,000 / $2,000
  • Other-than-collision deductibleOptional $500 / $1,000 / $2,000
  • Uninsured motorist BIOptional, usually matches BI limits
  • Roadside / rentalOptional add-ons by carrier
  • SR-22 filingOptional $25 one-time filing context

TOTAL SAVINGS: $500/year on car insurance

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Discounts Davis shoppers can stack

Davis drivers should treat discounts as a verification stack. Good-driver status, continuous coverage, low-mileage telematics, good-student discounts, multi-car, paid-in-full, paperless billing, and carrier-specific appetite each move the final rank.

  • 20%

    Good driver

    Clean record shoppers can push the monthly price down fast.

  • 15%

    Multi-policy

    Bundle when it actually beats the standalone auto rate.

  • 12%

    Paid-in-full

    Skip installment fees when the carrier gives a real price break.

  • 5%

    Paperless

    Small discount, easy to stack, no extra call needed.

  • 10%

    Military

    Available with carriers that recognize active duty or veteran status.

  • 8%

    Student

    Good grades and distant-student rules can lower family premiums.

One Davis ZIP, 30 plus carriers, two minutes

Use Davis, Yolo County, ZIP 95616, area code 530, and the Davis Field Office at 345 L St for the local frame. The panel compares 30+ California carriers, keeps coverage aligned, and shows the cheaper comparable result first. No commitment, no credit hit. Or call +14158959913.

  • 30+
  • $500/year on car insurance

Find My Cheapest Rate

Deal alerts: Davis shoppers

Davis shoppers ask five practical questions before entering a ZIP: how fast the quote runs, whether Yolo County affects the price, which carriers are checked, how UC Davis student status is handled, and which local details must be exact.

  • Deal #1How fast can a Davis driver get a cheap car insurance quote?

    A Davis driver can start the comparison in about 2 minutes with inputs ready: ZIP 95616 (downtown) or 95618 (South Davis) or the real garaging ZIP, vehicle details, driver list, prior coverage, and desired limits. Davis has 64,776 residents, area code 530, and the Davis Field Office at 345 L St for compliance steps.

    A Davis driver can start the comparison in about 2 minutes with inputs ready: ZIP 95616 (downtown) or 95618 (South Davis) or the real garaging ZIP, vehicle details, driver list, prior coverage, and desired limits. Davis has 64,776 residents, area code 530, and the Davis Field Office at 345 L St for compliance steps. The 30+ carrier panel ranks the cheapest comparable monthly result first without a credit hit. Published estimates show Downtown Davis (95616) at ~$1,868/year and South Davis (95618) at ~$1,711/year — individual results vary by driver profile.

  • Deal #2Do UC Davis students pay more for car insurance than non-student Davis residents?

    Student status itself is not a rating factor under California Prop 103. However, students often have shorter driving histories, vehicles registered at a parent's address, or limited prior continuous coverage — all of which affect the quote. Carriers set rates based on driving safety record, annual miles, and years of experience (§1861. 02 at ${prop103RatingFactors. url}).

    Student status itself is not a rating factor under California Prop 103. However, students often have shorter driving histories, vehicles registered at a parent's address, or limited prior continuous coverage — all of which affect the quote. Carriers set rates based on driving safety record, annual miles, and years of experience (§1861.02 at ${prop103RatingFactors.url}). A UC Davis student with 3+ years licensed, no at-fault accidents, and a good-student grade discount can qualify for rates similar to non-student drivers. The Davis Field Office at 345 L St helps with registration steps.

  • Deal #3Which carriers does Cheap Auto Insurance CA shop for Davis ZIP codes?

    Cheap Auto Insurance CA = California auto insurance comparison platform shops ZIP 95616, 95618, and the actual Davis garaging ZIP through a 30+ carrier panel including Progressive, National General, Bristol West, Dairyland, and The General. Each carrier applies its own filed Yolo County territory factor, driver record, vehicle ACV, and coverage inputs.

    Cheap Auto Insurance CA = California auto insurance comparison platform shops ZIP 95616, 95618, and the actual Davis garaging ZIP through a 30+ carrier panel including Progressive, National General, Bristol West, Dairyland, and The General. Each carrier applies its own filed Yolo County territory factor, driver record, vehicle ACV, and coverage inputs. Low-mileage Davis drivers benefit from telematics programs (Progressive Snapshot up to 30% off) given the city's bicycle commuting culture.

  • Deal #4How does low annual mileage affect my Davis car insurance rate?

    Annual mileage driven is a California Prop 103 primary rating factor (§1861. 02). Davis has one of the highest bicycle commuting rates in the US — many residents drive under 7,500 miles/year. Mileage must be accurately reported — understating miles to lower a quote is material misrepresentation that can void a claim.

    Annual mileage driven is a California Prop 103 primary rating factor (§1861.02). Davis has one of the highest bicycle commuting rates in the US — many residents drive under 7,500 miles/year. Confirmed low-mileage drivers can qualify for up to 30% off through Progressive Snapshot, and similar savings through State Farm Drive Safe, Allstate Drivewise, and other telematics programs. Mileage must be accurately reported — understating miles to lower a quote is material misrepresentation that can void a claim.

  • Deal #5What Davis-specific details should I confirm before choosing coverage?

    Confirm the exact garaging ZIP (95616 vs 95618 matters), Yolo County address, area code 530 details, vehicle ACV and lender requirements, driver list including household students, current declarations page, deductible comfort, and accurate annual mileage. The Davis Field Office is at 345 L St. California mandatory good-driver discount (§1861.

    Confirm the exact garaging ZIP (95616 vs 95618 matters), Yolo County address, area code 530 details, vehicle ACV and lender requirements, driver list including household students, current declarations page, deductible comfort, and accurate annual mileage. The Davis Field Office is at 345 L St. California mandatory good-driver discount (§1861.025) — at least 20% for 3+ years licensed with ≤1 DMV point — applies across all carriers but only saves money when the same coverage shape is confirmed on both quotes.

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