Just Auto Insurance Review
Just Auto Insurance helps people in southern California get auto, home, renters and business insurance. Instead of doing a few applications to find quotes yourself, you can work with Just Auto Insurance and potentially get quotes from several companies at once.
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Editor's Rating
Just Auto Insurance is a middleman that helps Californians find insurance for their cars, homes and businesses. As a broker, the company works with multiple insurance companies.
If you’re having a hard time finding insurance or you want a more personal touch, going through an insurance broker can help. The tradeoff is that you might have a more expensive rate than if you got insurance directly from a company.
| Coverages | |
| Customer service | |
| Service area | |
| Unique value |
Pros
Helps you find and compare quotes
Can register your car for you in California
Six offices you can visit
Cons
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Potentially more expensive rates
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Only for California residents
Coverages you can get through Just Auto Insurance
You can find many types of car insurance, including motorcycle and RV coverage even if you have tickets, a crash or a DUI.
You can do registration, license plate and title paperwork through Just Auto Insurance instead of going to the DMV.
When you drive internationally, you need insurance to cover your car in that country. Because Southern California is so close to Mexico, residents might want this type of coverage.
Despite the name “Just Auto Insurance,” you could also find home or renters insurance through the company.
Whether you’re an independent driver or a business owner who manages a fleet, vehicles used for work need commercial car insurance.
You can find coverage from Just Auto Insurance if you have a construction, contracting, retail, food service, auto repair, beauty or cleaning business.
Rates you could get through Just Auto Insurance
As a broker, Just Auto Insurance gets quotes from multiple companies for you to choose from. You can get quotes through Just Auto Insurance online, over the phone or in person.
When you get your rates, it's a good idea to compare them to a few quotes you get directly in California to make sure you're getting a good deal.
Average rates in California
Auto insurance
Home insurance
Car insurance rates in California are more expensive than most states.
Geico is one of the best and cheapest car insurance companies in California with rates as low as $143 per month for full coverage, on average.
Find Cheap Auto Insurance Quotes in Your Area
Auto insurance
Car insurance rates in California are more expensive than most states.
Geico is one of the best and cheapest car insurance companies in California with rates as low as $143 per month for full coverage, on average.
Find Cheap Auto Insurance Quotes in Your Area
Home insurance
Home insurance rates in California are less expensive than in most states.
Some of the best homeowners insurance companies have rates of less than $200 per month for an insured home value of $350,000.
Find Cheap Homeowners Insurance Quotes in Your Area
The average cost of renters insurance is $19 a month in California on average .
Discounts with Just Auto Insurance
The type of discounts you can get depends on the insurance company you pick. It can make a big difference in your rate.
- Safe driver discount
- Military discount
- Good student discount
- Multi-car discount
- Bundling discount
- Auto-pay discount
- Homeowner discount
- Full payment discount
Common home and renters insurance discounts
- Multipolicy discount
- New homebuyer discount
- Green home discount
- Paperless discount
- Paid-in-full discount
- Claim-free discount
- Loyalty discount
Just Auto Insurance customer reviews
Customer reviews for Just Auto Insurance are largely good.
The reviews on sites including Yelp, Reddit and Google are mostly positive, with customers praising individual employees who helped them find insurance coverage. However, Just Auto Insurance isn’t accredited by the Better Business Bureau.
If you want to check around, make sure to remember that Just Insure is a different company.
Frequently asked questions
What is Just Auto Insurance’s phone number?
You can call Just Auto Insurance at 866-639-2674 to get a quote and at 888-299-7015 for customer service.
What is Just Auto Insurance?
Just Auto Insurance is an insurance broker in southern California. It acts as a middleman connecting drivers, homeowners, renters and business owners to insurance providers.
Other companies can have similar names. Just Insure is a pay-per-mile car insurance company. Just Insurance Services is an insurance agency with headquarters in Arizona.
How much is car insurance in Los Angeles?
The average car insurance in Los Angeles is $199 a month. Geico offers the cheapest car insurance on average in Los Angeles: $143 a month for full coverage or $41 for minimum liability coverage, on average.
Methodology
Star rating methodology
Auto insurance methodology
Home insurance methodology
Renters insurance methodology
To determine a star rating for an insurance broker, ValuePenguin looks at four things:
- Types of insurance. Brokers that connect clients to many types of coverage, such as home, auto, renters, RV, motorcycle and business insurance, earned a better star rating.
- Customer service. Great customer reviews from sites including the Better Business Bureau and Google meant the company received a higher rating.
- Service area. The company earned more stars if it offers its services to all the residents in at least one state.
- Unique value. A brokerage that offers a specialized service, such as global coverage for auto insurance or filing clients’ DMV paperwork with the state, earned a higher star rating.
Star rating methodology
To determine a star rating for an insurance broker, ValuePenguin looks at four things:
- Types of insurance. Brokers that connect clients to many types of coverage, such as home, auto, renters, RV, motorcycle and business insurance, earned a better star rating.
- Customer service. Great customer reviews from sites including the Better Business Bureau and Google meant the company received a higher rating.
- Service area. The company earned more stars if it offers its services to all the residents in at least one state.
- Unique value. A brokerage that offers a specialized service, such as global coverage for auto insurance or filing clients’ DMV paperwork with the state, earned a higher star rating.
Auto insurance methodology
To find the average rates for California auto insurance, ValuePenguin collected thousands of rates from ZIP codes across California for the largest insurance companies. Unless otherwise noted, quotes are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX. Quotes for a teen driver are for an 18-year-old man with good credit who drives a 2018 Honda Civic EX.
Full coverage car insurance premiums include:
- $50,000 bodily injury limit per person
- $100,000 bodily injury limit per accident
- $50,000 limit on property damage
- Uninsured motorist coverage with the same 50/100/50 limits
- Collision and comprehensive coverage with a $500 deductible
Home insurance methodology
Homeowners insurance rates in California are based on quotes from every ZIP code in the state. The sample property was built in 1975 and insured to the current median value of a home in California, $505,000. Quotes for this home are from 10 of the largest home insurance companies in California.
- AAA NorCal (CSAA)
- AAA SoCal (Auto Club Interinsurance Exchange)
- California Casualty
- Chubb
- Cincinnati
- Mercury
- Pacific Specialty
- Progressive
- Universal
- USAA
ValuePenguin collected thousands of renters insurance quotes from across the country to calculate the average cost of coverage in every state. Quotes are from nine top companies, although not every company was available in every state.
Renters insurance methodology
Renters quotes are for a 30-year-old single woman who lives alone with no pets and has never filed a claim. Rates include the following coverage limits:
- Personal property: $30,000
- Personal liability: $100,000
- Guest medical protection: $1,000
- Deductible: $500
To determine the difference in cost for varying levels of coverage, quotes were gathered from four insurance companies for an apartment in Dallas.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
