AUTO INSURANCE

Reliable coverage
that keeps you moving.

The Auto Insurance Reality Check for 2025

California Got Hit Hard – Here's Why (the numbers don't lie):


  • Car insurance rates in California increased nearly 50% in 2024

  • Full coverage now costs drivers an average of $2,575 annually (11% more than national average)

  • Another 12% increase from 2024 to 2025

  • Commercial Auto: Fleet coverage that actually covers your drivers and cargo

  • Some drivers seeing 30%+ increases on their renewals


The Perfect Storm Causing This:


  1. California Doubled Minimum Requirements (Jan 1, 2025)


  • Previous: $15K per person, $30K per accident, $15K property damage

  • New: DOUBLED these amounts due to Senate Bill 1107

  • This alone caused massive rate jumps statewide


  1. The Usual Suspects Got Worse


  • Inflation driving up repair costs

  • More claims being filed

  • Higher medical costs for injuries

  • Supply chain issues are making car parts more expensive


  1. California-Specific Problems


  • Insurance companies had rates frozen during COVID - now they're catching up all at onceMore claims being filed

  • Wildfire risks affecting comprehensive coverage

  • Uninsured drivers - everyone else pays for them


  1. New Potential Issues


  • Tariffs could add an estimated $232 more per year by end of 2025

  • Electric vehicle repair costs are astronomical


California Got Hit Hard – Here's Why (the numbers don't lie):


  • Car insurance rates in California increased nearly 50% in 2024

  • Full coverage now costs drivers an average of $2,575 annually (11% more than the national average)

  • Another 12% increase from 2024 to 2025

  • Commercial Auto: Fleet coverage that actually covers your drivers and cargo

  • Some drivers are seeing 30%+ increases on their renewals


The Perfect Storm Causing This:


  1. California Doubled Minimum Requirements (Jan 1, 2025)


  • Previous: $15K per person, $30K per accident, $15K property damage

  • New: DOUBLED these amounts due to Senate Bill 1107

  • This alone caused massive rate jumps statewide

  1. The Usual Suspects Got Worse


  • Inflation driving up repair costs

  • More claims being filed

  • Higher medical costs for injuries

  • Supply chain issues are making car parts more expensive


  1. California-Specific Problems


  • Insurance companies had rates frozen during COVID - now they're catching up all at onceMore claims being filed

  • Wildfire risks affecting comprehensive coverage

  • Uninsured drivers - everyone else pays for them


  1. New Potential Issues


  • Tariffs could add an estimated $232 more per year by end of 2025

  • Electric vehicle repair costs are astronomical


Let's Be Real About Auto Insurance in California Right Now


We're not going to sugarcoat it - auto insurance in California is expensive right now. Here's exactly what's happening and what we're doing about it.


Why Your Rates Went Up (It's not just you):


  • California doubled minimum insurance requirements on January 1st

  • Rates increased nearly 50% in 2024 across the state

  • Repair costs, medical expenses, and parts are all more expensive

  • Insurance companies are catching up from COVID-era rate freezes


For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.


What We're Doing About It:


  • Shopping our extensive carrier network to find you the best available rates

  • Maximizing every discount you qualify for

  • Bundling with home insurance (often saves 15-25%)

  • Finding carriers that still want California business


The Bottom Line: Everyone's rates went up. The question is: Are you getting the best rate available for YOUR situation? That's where we come in.

Let's Be Real About Auto Insurance in California Right Now

We're not going to sugarcoat it - auto insurance in California is expensive right now. Here's exactly what's happening and what we're doing about it.


Why Your Rates Went Up (It's not just you):


  • California doubled minimum insurance requirements on January 1st

  • Rates increased nearly 50% in 2024 across the state

  • Repair costs, medical expenses, and parts are all more expensive

  • Insurance companies are catching up from COVID-era rate freezes


For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.


What We're Doing About It:


  • Shopping our extensive carrier network to find you the best available rates

  • Maximizing every discount you qualify for

  • Bundling with home insurance (often saves 15-25%)

  • Finding carriers that still want California business


The Bottom Line: Everyone's rates went up. The question is: Are you getting the best rate available for YOUR situation? That's where we come in.

GET A QUOTE

Preferred contact method

The Auto Insurance Reality Check for 2025

California Got Hit Hard – Here's Why (the numbers don't lie):


  • Car insurance rates in California increased nearly 50% in 2024

  • Full coverage now costs drivers an average of $2,575 annually (11% more than national average)

  • Another 12% increase from 2024 to 2025

  • Commercial Auto: Fleet coverage that actually covers your drivers and cargo

  • Some drivers seeing 30%+ increases on their renewals


The Perfect Storm Causing This:


  1. California Doubled Minimum Requirements (Jan 1, 2025)


  • Previous: $15K per person, $30K per accident, $15K property damage

  • New: DOUBLED these amounts due to Senate Bill 1107

  • This alone caused massive rate jumps statewide


  1. The Usual Suspects Got Worse


  • Inflation driving up repair costs

  • More claims being filed

  • Higher medical costs for injuries

  • Supply chain issues are making car parts more expensive


  1. California-Specific Problems


  • Insurance companies had rates frozen during COVID - now they're catching up all at onceMore claims being filed

  • Wildfire risks affecting comprehensive coverage

  • Uninsured drivers - everyone else pays for them


  1. New Potential Issues


  • Tariffs could add an estimated $232 more per year by end of 2025

  • Electric vehicle repair costs are astronomical


California Got Hit Hard – Here's Why (the numbers don't lie):


  • Car insurance rates in California increased nearly 50% in 2024

  • Full coverage now costs drivers an average of $2,575 annually (11% more than the national average)

  • Another 12% increase from 2024 to 2025

  • Commercial Auto: Fleet coverage that actually covers your drivers and cargo

  • Some drivers are seeing 30%+ increases on their renewals


The Perfect Storm Causing This:


  1. California Doubled Minimum Requirements (Jan 1, 2025)


  • Previous: $15K per person, $30K per accident, $15K property damage

  • New: DOUBLED these amounts due to Senate Bill 1107

  • This alone caused massive rate jumps statewide

  1. The Usual Suspects Got Worse


  • Inflation driving up repair costs

  • More claims being filed

  • Higher medical costs for injuries

  • Supply chain issues are making car parts more expensive


  1. California-Specific Problems


  • Insurance companies had rates frozen during COVID - now they're catching up all at onceMore claims being filed

  • Wildfire risks affecting comprehensive coverage

  • Uninsured drivers - everyone else pays for them


  1. New Potential Issues


  • Tariffs could add an estimated $232 more per year by end of 2025

  • Electric vehicle repair costs are astronomical


Let's Be Real About Auto Insurance in California Right Now


We're not going to sugarcoat it - auto insurance in California is expensive right now. Here's exactly what's happening and what we're doing about it.


Why Your Rates Went Up (It's not just you):


  • California doubled minimum insurance requirements on January 1st

  • Rates increased nearly 50% in 2024 across the state

  • Repair costs, medical expenses, and parts are all more expensive

  • Insurance companies are catching up from COVID-era rate freezes


For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.


What We're Doing About It:


  • Shopping our extensive carrier network to find you the best available rates

  • Maximizing every discount you qualify for

  • Bundling with home insurance (often saves 15-25%)

  • Finding carriers that still want California business


The Bottom Line: Everyone's rates went up. The question is: Are you getting the best rate available for YOUR situation? That's where we come in.

Let's Be Real About Auto Insurance in California Right Now

We're not going to sugarcoat it - auto insurance in California is expensive right now. Here's exactly what's happening and what we're doing about it.


Why Your Rates Went Up (It's not just you):


  • California doubled minimum insurance requirements on January 1st

  • Rates increased nearly 50% in 2024 across the state

  • Repair costs, medical expenses, and parts are all more expensive

  • Insurance companies are catching up from COVID-era rate freezes


For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.


What We're Doing About It:


  • Shopping our extensive carrier network to find you the best available rates

  • Maximizing every discount you qualify for

  • Bundling with home insurance (often saves 15-25%)

  • Finding carriers that still want California business


The Bottom Line: Everyone's rates went up. The question is: Are you getting the best rate available for YOUR situation? That's where we come in.

GET A QUOTE

Preferred contact method

What does
auto insurance actually cover?

California Got Hit Hard – Here's Why (the numbers don't lie):


  • Car insurance rates in California increased nearly 50% in 2024

  • Full coverage now costs drivers an average of $2,575 annually (11% more than national average)

  • Another 12% increase from 2024 to 2025

  • Commercial Auto: Fleet coverage that actually covers your drivers and cargo

  • Some drivers seeing 30%+ increases on their renewals


The Perfect Storm Causing This:


  1. California Doubled Minimum Requirements (Jan 1, 2025)


  • Previous: $15K per person, $30K per accident, $15K property damage

  • New: DOUBLED these amounts due to Senate Bill 1107

  • This alone caused massive rate jumps statewide


  1. The Usual Suspects Got Worse


  • Inflation driving up repair costs

  • More claims being filed

  • Higher medical costs for injuries

  • Supply chain issues are making car parts more expensive


  1. California-Specific Problems


  • Insurance companies had rates frozen during COVID - now they're catching up all at onceMore claims being filed

  • Wildfire risks affecting comprehensive coverage

  • Uninsured drivers - everyone else pays for them


  1. New Potential Issues


  • Tariffs could add an estimated $232 more per year by end of 2025

  • Electric vehicle repair costs are astronomical


California Got Hit Hard – Here's Why (the numbers don't lie):


  • Car insurance rates in California increased nearly 50% in 2024

  • Full coverage now costs drivers an average of $2,575 annually (11% more than the national average)

  • Another 12% increase from 2024 to 2025

  • Commercial Auto: Fleet coverage that actually covers your drivers and cargo

  • Some drivers are seeing 30%+ increases on their renewals


The Perfect Storm Causing This:


  1. California Doubled Minimum Requirements (Jan 1, 2025)


  • Previous: $15K per person, $30K per accident, $15K property damage

  • New: DOUBLED these amounts due to Senate Bill 1107

  • This alone caused massive rate jumps statewide

  1. The Usual Suspects Got Worse


  • Inflation driving up repair costs

  • More claims being filed

  • Higher medical costs for injuries

  • Supply chain issues are making car parts more expensive


  1. California-Specific Problems


  • Insurance companies had rates frozen during COVID - now they're catching up all at onceMore claims being filed

  • Wildfire risks affecting comprehensive coverage

  • Uninsured drivers - everyone else pays for them


  1. New Potential Issues


  • Tariffs could add an estimated $232 more per year by end of 2025

  • Electric vehicle repair costs are astronomical


Let's Be Real About Auto Insurance in California Right Now


We're not going to sugarcoat it - auto insurance in California is expensive right now. Here's exactly what's happening and what we're doing about it.


Why Your Rates Went Up (It's not just you):


  • California doubled minimum insurance requirements on January 1st

  • Rates increased nearly 50% in 2024 across the state

  • Repair costs, medical expenses, and parts are all more expensive

  • Insurance companies are catching up from COVID-era rate freezes


For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.


What We're Doing About It:


  • Shopping our extensive carrier network to find you the best available rates

  • Maximizing every discount you qualify for

  • Bundling with home insurance (often saves 15-25%)

  • Finding carriers that still want California business


The Bottom Line: Everyone's rates went up. The question is: Are you getting the best rate available for YOUR situation? That's where we come in.

Let's Be Real About Auto Insurance in California Right Now

We're not going to sugarcoat it - auto insurance in California is expensive right now. Here's exactly what's happening and what we're doing about it.


Why Your Rates Went Up (It's not just you):


  • California doubled minimum insurance requirements on January 1st

  • Rates increased nearly 50% in 2024 across the state

  • Repair costs, medical expenses, and parts are all more expensive

  • Insurance companies are catching up from COVID-era rate freezes


For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.


What We're Doing About It:


  • Shopping our extensive carrier network to find you the best available rates

  • Maximizing every discount you qualify for

  • Bundling with home insurance (often saves 15-25%)

  • Finding carriers that still want California business


The Bottom Line: Everyone's rates went up. The question is: Are you getting the best rate available for YOUR situation? That's where we come in.

GET A QUOTE

Preferred contact method

Customer Reviews

Jason C

They are very thorough and such a pleasure to work with.

Stephen B

Awesome people doing an outstanding job to help with insurance.

Zuzette A

Very knowledgeable and patient which are definitely a plus!

Customer Reviews

Jason C

They are very thorough and such a pleasure to work with.

Stephen B

Awesome people doing an outstanding job to help with insurance.

Zuzette A

Very knowledgeable and patient which are definitely a plus!

Customer Reviews

Jason C

They are very thorough and such a pleasure to work with.

Stephen B

Awesome people doing an outstanding job to help with insurance.

Zuzette A

Very knowledgeable and patient which are definitely a plus!

© 2025 TOR Insurance Services, Inc. All rights reserved

© 2025 TOR Insurance Services, Inc. All rights reserved

© 2025 TOR Insurance Services, Inc. All rights reserved