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Just Auto Insurance agency sells low-cost insurance products in southern California. Our review will explore its coverage options, discounts, customer service, and more, so you can decide if it’s the right choice for you.

If you’re looking to get quotes from multiple providers, we recommend reading our recent review of the best auto insurance companies in the market, evaluated on financial strength, availability, coverage, customer service, and technology. That way, you can compare quotes between Just Auto Insurance and national providers when you shop for car insurance.

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About Just Auto Insurance

Just Auto Insurance is a California-based company with more than 12 years of experience. It has nine offices in South California and offers the following lines of business – auto insurance, commercial auto insurance, motorcycle insurance, homeowners insurance, auto registration renewal, and title transfer services.

Pros Offers policies to customers with poor driving records Sells policies through local agents
Cons Doesn't provide clear information about its coverages or discounts online Doesn't offer online quotes or online payment options Negative customer reviews

What Does Just Auto Insurance Cost?

Every insurance company has a different pricing strategy, which is why you will be given different rates for the same coverage at different providers. In general, your auto insurance premium will be determined by multiple factors, including your age, gender, marital status, where you live, the type of vehicle you drive, your driving record, your insurance history, and your driving habits.

Unlike most states, California does not allow insurance companies to factor your credit history into your premiums. That means drivers with poor credit won’t pay more than drivers with good credit for car insurance based on that factor.

Some of the other factors affect your rates more than others. Here is a breakdown of the premiums some national providers offer California drivers from different profiles:

Car Insurance Estimates For California Drivers With a Clean Driving Record

Car Insurance CompanyAnnual Rate Estimate

Car Insurance Estimates For California Drivers With a Recent At-Fault Accident

Car Insurance CompanyAnnual Rate Estimate

Car Insurance Estimates For Young California Drivers

Car Insurance CompanyAnnual Rate Estimate

Keep in mind that when you buy your coverage through an agency instead of directly from a provider, you will also have to pay the agency’s service fee.

Just Auto Insurance Discounts

Just Auto Insurance doesn’t discuss insurance discounts on its website, but most insurance companies, including Kemper and Infinity, provide discounts for customers to help save money on premiums. If you talk to a Just Auto Insurance agent, make sure to ask them about the following common discounts:

  • Good student discount
  • Multiple policy discount
  • Paid-in-full discount
  • Anti-theft discount
  • Homeowner’s discount
  • Student away at school discount
  • Defensive driving course discount

What Does Just Auto Insurance Cover?

According to the Just Auto Insurance website, the agency offers a wide range of auto insurance coverage at low rates. However, other than the California state-minimum liability coverage, none of the available options are listed on the website, which is a bit surprising.

We looked into the insurance carriers listed on the Just Auto Insurance website: Kemper auto insuranceInfinity auto insurance, and Alliance United. These companies have the following standard coverage options and add-ons, and they may be available for purchase at Just Auto Insurance. If you decide to purchase your insurance coverage here, we recommend discussing your coverage options in detail with your agent.

Liability Coverage

Liability coverage is of two types: bodily injury liability coverage and property damage liability coverage. Bodily injury liability coverage pays for injuries to the other party if you are at fault in the accident. Property damage liability coverage pays for repairs to the other person’s car or property if it was damaged in the accident.

In California, you are required to have minimum liability auto insurance coverage of 15/30/5. If you have this coverage, your insurance will pay up to $15,000 for medical expenses per person in the accident, up to $30,000 for injuries per accident, and up to $5,000 for property damages per accident.

If you can afford to buy higher liability coverage and your insurance provider offers that option, it is always good to buy enough coverage to protect your personal assets if you are ever in a serious at-fault accident.

Collision Coverage

Collision coverage pays for repairs to your car and usually comes with a deductible. If your deductible is $1,000 and the total cost of the car repairs is $2,500, you will have to pay the repair shop $1,000 and your insurance company will pay the remaining $1,500.

Generally, the higher the deductible, the lower will be the premium. Some people choose a higher deductible to save on the insurance cost, but this will increase their out-of-pocket expenses in the event of an accident.

Comprehensive Insurance

Comprehensive car insurance pays for damages or loss to your vehicle due to reasons other than collision, such as fire, theft, vandalism, or severe weather. As with collision coverage, a deductible will apply.

Both comprehensive and collision coverages are not mandated by the state but are usually required by a lender or lessee.

Medical Payments

Medical payments coverage pays for medical expenses up to a certain limit for you and your passengers if you are in an accident.

Uninsured Motorist Coverage

Uninsured motorist coverage pays for your injuries and property damages if you are in an accident with a driver with no insurance.

Rental Reimbursement Coverage

If you have rental reimbursement coverage, then this will pay for a rental car while your vehicle is being repaired after a covered accident. However, there is usually a per day and per event limit for the covered amount.

Just Auto Insurance will provide insurance for all drivers, including people with a DUI, tickets, accidents, or a suspended license. Companies offering non-standard insurance often help customers with their SR-22 filing, too. This could be an option at Just Auto Insurance as well, if you are interested in getting a quote from this agency.

Just Auto Insurance Quotes And Claims

To get a quote from Just Auto Insurance, visit the website and fill out the form to submit your name, phone number, email address, zip code, vehicle year, make, and model, the coverage you are looking for, and the preferred mode of contact. A company representative will then get in touch with you for the quote.

You can also call Just Auto Insurance directly or use the online chat tool on the website to get a quote. For an easier process, we recommend getting the best quotes from all the providers available in your area.

This tool will give you the best options for you:

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Filing An Insurance Claim

Some insurance agencies have a separate claims department to help its customers with the claims process. It is unclear if Just Auto Insurance offers a similar service.

Just Auto Insurance asks customers to call their insurance carriers to report claims. Contact numbers for Infinity, Kemper, and Alliance United are listed on the website. It is always good to inform your insurance carrier about the accident as soon as possible.

Both Infinity and Alliance United allow claim reporting over the phone and online. While the exact claims process may vary slightly from company to company, you would be asked for the following information anytime you report a claim.

  • Date, time, and location of the accident
  • Names and contact information for everyone involved in the accident, including the witnesses
  • Name of the policyholder and policy number
  • Photos of the accident scene and damages to the car (if available)
  • Police report number

Just Auto Insurance Customer Reviews

A company’s business profile on the Better Business Bureau often helps us understand what potential customers can expect in terms of customer service.

One reviewer gave the company a one-star rating and said that she noticed “erroneous information” on her policy twice and was also told to submit false information to get a lower rate. The other reviewer, who rated the company three stars, reported problems with canceling their policy.

On Yelp, Just Auto Insurance reviews vary by location, so look into your nearest office to see what customers think.

Final Thoughts On Just Auto Insurance

Californians who still prefer to discuss their coverage in person with an agent before buying their policies will appreciate the fact that Just Auto Insurance doesn’t quote online and instead interacts directly with its customers. But the same feature may come across as a disadvantage for people who prefer to quote and buy insurance at any time of the day and from anywhere. Also, customer reviews appear to indicate that you may not receive the same level of customer care or service at all Just Auto Service locations.

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If you think that buying insurance directly from a well-known company with a good reputation, strong financial ratings, and affordable rates is a better choice, we recommend starting your insurance shopping by reading our review of the best auto insurance companies in the market. USAA and Geico are our top two picks when it comes to availability, coverage, cost, customer service, and financial stability. Here is a quick overview.

USAA: 4.8 Stars

If you are a military family, this provider has the best coverage options and affordable rates. The company was rated 4.8 in our review of USAA insurance with an A+ for customer service. In addition to auto insurance, USAA also sells motorcycle insurance, renters insurance, boat insurance, homeowner’s insurance, pet insurance, flood insurance, and life insurance. To learn more, check out our full USAA car insurance review article.

Geico: 4.6

With a wide range of coverage options, valuable discounts, an A++ rating from AM Best for financial stability, and good customer service, this company is the best insurance provider overall for non-military families. We rated them 4.6 out of 5 in our Geico review.

When it comes to an important decision like buying car insurance, it is always wise to shop around and get at least three quotes to make sure that you are getting all the coverage you need and at a good price.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.