Car Insurance in California
- GEICO offers the cheapest liability and full coverage auto insurance in CA
- Compare the cheapest car insurance quotes in CA from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in California
In California, the average cost for full coverage car insurance is $1,095 for a six-month policy — 0% in premium difference versus the national average.[1] If you're looking to save, GEICO has the lowest quotes for liability and full coverage across the state.
Even though 34% of Californians think they're overpaying for car insurance, many are willing to invest more for exceptional customer service and comprehensive coverage.[2] For those prioritizing top-tier service, Wawanesa offers a sweet spot between value, price, and service.
Check out California's cheapest carriers in a variety of scenarios or start by getting auto insurance quotes above.
- GEICO offered the cheapest liability insurance in California at $42/mo
- Read about the rest of the top and best companies in California ↓
- GEICOÂ offered the cheapest full insurance coverage in California at $131/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in California ↓
- As a highly-rated regional carrier, Auto Club (AAA)Â scored 684 on J.D. Power's 2024 auto study.[3]Â For those eligible, USAA is another top-rated option according to J.D. Power.
- Read about the rest of the top and best companies in California ↓
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The Zebra reviewed third-party ratings from J.D. Power and AM Best, plus thousands of customer reviews in California, to name Wawanesa as the top pick for drivers in the state.
- Find out why we've ranked Wawanesa as a standout option for many Californians below ↓
Cheap liability insurance in California
The average cost for liability insurance in California is $321 for a 6-month policy.[1] For our user profile, GEICO, USAA, and CSAA offer the most affordable liability insurance in the state.
If you choose a higher level of car insurance coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by car-vs.-car crashes, theft, or weather incidents.Â
As a starting point, have a look at the average rates offered by carriers for minimum coverage to help get a sense of which companies might be cheapest overall.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $204 | $34 |
| CSAA | $226 | $38 |
| USAA | $236 | $39 |
| Progressive | $286 | $48 |
| Wawanesa | $295 | $49 |
| Auto Club | $338 | $56 |
| State Farm | $370 | $62 |
| Allstate | $376 | $63 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Based on our records, 30% of California drivers opt for just liability insurance for their cars.[2]Â To drive legally in California, you must carry at least the minimum liability coverage, which includes $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident.Â
See a more detailed explanation of California car insurance laws.
California's limits are among the lowest in the nation. This can leave you exposed to risk. Because California's minimum liability limits are lower than average, The Zebra's recommendation is to increase your liability coverage to at least 50/100/50, and more if you can afford it.
Also, as a result of California Senate Bill 1107, the required liability limits will increase on January 1st, 2025, moving from 15/30/5 to 30/60/15.[4]
Ross Martin, insurance writer and content manager at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| GEICO | $278 | $877 |
| USAA | $279 | $912 |
| Progressive | $282 | $1,047 |
| Wawanesa | $295 | $850 |
| State Farm | $370 | $1,016 |
| Auto Club | $434 | $1,218 |
| Allstate | $519 | $1,490 |
Source: The Zebra
Compare California car insurance quotes and companies with The Zebra.
Cheap full coverage insurance in California
In 2024, the average cost for full coverage car insurance in California is $1,095 for a 6-month policy. It's no wonder 70% of The Zebra's California customers opt for full coverage — it’s the popular choice among savvy drivers.[2]
While full coverage may cost more than liability insurance, Californians hunting for the best deals should kick off their search with GEICO and Wawanesa.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $784 | $131 |
| Wawanesa | $850 | $142 |
| USAA | $863 | $144 |
| Progressive | $1,012 | $169 |
| CSAA | $1,092 | $182 |
| Auto Club | $1,098 | $183 |
| Allstate | $1,155 | $192 |
| State Farm | $1,347 | $225 |
Source: The Zebra
Zebra tip: Dig into these car insurance discounts
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Payment perks: Save with advance purchase, e-bill pay, or by paying in full.
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Driver deals: Look for bundling, multi-vehicle, good driver, good student, homeowner, low mileage, and loyalty discounts.
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Vehicle savings: New cars, safety features, anti-theft gadgets, and eco-friendly rides can lower your premium.
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Telematics: California drivers, take advantage of programs like State Farm's "Drive Safe & Save," Farmers' Signal, or Progressive's Snapshot to score discounts based on how you drive.
What are the best car insurance companies in California?
When picking the right auto insurance in California, price alone shouldn't be the deciding factor. Instead, we look for companies that deliver a great mix of affordability, comprehensive coverage, and a strong customer service reputation. The focus is on finding carriers that not only save you money but also have your back when you need them most. For instance, companies like Wawanesa stand out in California due to their competitive rates and consistently high marks in customer satisfaction. So, you get a balance of good value and reliable service, which makes all the difference.
Wawanesa is known for its excellent, localized service, ranking first for overall customer satisfaction out of several carriers in California.[3]Â Wawanesa's rock-solid financial stability ensures they can reliably pay out claims and maintain their operations for the long haul. If you're looking for an insurer that combines community-focused service with financial strength, Wawanesa is a standout choice.
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Top-tier customer service scores
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Affordable rates
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Great coverage options, including homeowners
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Less robust digital tools
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Some reports of slow claims processing
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Limited discount opportunities
Best car insurance in California — honorable mentions
We pinpointed the top companies by diving into J.D. Power Auto ratings and sifting through consumer feedback from nearly 3,000 drivers across California and the U.S.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $784 | $131 |
| USAA | $863 | $144 |
| CSAA | $1,092 | $182 |
| Auto Club | $1,098 | $183 |
| State Farm | $1,347 | $225 |
Source: The Zebra
How did we pick what company has the "Best Value" in California?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in California
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
California auto insurance quotes after an accident or ticket
As mentioned above, car insurance rates are based on many different factors. This can include your driving history, age, and your credit score. Explore average premium costs by rating factor below to get a ballpark idea of how much you should be paying for auto insurance in California.
Your driving record is a big determinant of how much you pay for auto coverage. Insurance companies may see any previous at-fault accidents as a warning sign, meaning that you will be paying more for your policy. On average, an at-fault accident could cause your car insurance rates to rise to as much as $3,242 per year.
In addition to having a cheaper premium, some companies offer a discount for good drivers. While the amount varies based on your company, it can range between 5 and 10%.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,377 | $229 |
| CSAA | $1,379 | $230 |
| GEICO | $1,406 | $234 |
| Wawanesa | $1,558 | $260 |
| Auto Club | $1,727 | $288 |
| Progressive | $1,834 | $306 |
| State Farm | $2,109 | $351 |
| Allstate | $2,520 | $420 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
No one wants to file a claim, but if you do, a stress-free experience is key. Our 2024 Customer Satisfaction Survey zeroed in on those who’ve had to file claims, and AAA rose to the top as a standout option.[5] If you're in California and want peace of mind when it matters most, AAA is a strong contender worth your consideration.
If you have a clean driving record in California—meaning no at-fault accidents, speeding tickets, DUIs, or recent citations—you’re likely to pay less for car insurance. However, if you do get a ticket, how much your rates increase will depend on the specific violation, your insurer’s pricing policies, and local insurance regulations and risks. That’s why a ticket could affect your rates differently in California compared to the national average.
See below average auto insurance rates in California after a few common citations.
Source: The Zebra
The Zebra's guide to California car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can seriously complicate your insurance situation. We've put together in-depth guides on California car insurance laws and regulations to help you navigate these challenges.
To get the full picture on car insurance requirements in California, explore our comprehensive guide.
California DUI laws
In California, a DUI violation can boost your annual car insurance cost to an average of $5,048. That’s 104% more than the national average rate hike following a DUI. Finding affordable auto coverage after a DUI isn’t simple. In fact, a DUI conviction often causes a larger premium increase than any other road violation — more than an at-fault accident, racing, or reckless driving.
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Low-cost car insurance after a DUI in California
If you're convicted of a DUI or DWI violation in California, it’s important to consider your insurance choices carefully. Car insurance premiums after a DUI can vary substantially from one carrier to another. For example, the least expensive car insurance company with a DUI in California is Wawanesa. The second-cheapest insurer for auto insurance after a DUI in California is GEICO, while the priciest firm is Allstate, with prices 70% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Wawanesa | $1,757 | $293 |
| GEICO | $1,978 | $330 |
| Progressive | $2,071 | $345 |
| USAA | $2,695 | $449 |
| Auto Club | $3,473 | $579 |
| CSAA | $3,929 | $655 |
| Allstate | $4,573 | $762 |
| State Farm | $4,744 | $791 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
California SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of California to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in California might be tricky, but some research could pay off in the end.
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How to get an SR-22 in California
An SR-22 is often required for drivers with serious violations on their driving record, most often related to drinking and driving offenses. The SR-22 is a form issued by your insurance company that must be filed with the state of California as proof of continued insurance coverage. Below you'll find the steps to getting this coverage.Â
Already insured
With an active insurance policy, requesting an SR-22 might be easy. Just call your insurance company request they file an SR-22 request on your behalf. If your current insurer declines to request a certificate, you should shop around for a new insurance company.
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Currently uninsured?
When filing for car insurance, you'll be billed extra to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.
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For drivers who don’t own a vehicle
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not having a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, you should buy a non-owners car insurance policy before filing for an SR-22. A non-owners policy is typically less expensive than a standard policy since it won’t provide protection for physical damage sustained by your vehicle.
Find the best coverage and price in California with The Zebra.
How have car insurance costs in California changed?
California's auto insurance landscape has seen its fair share of ups and downs, but recent years have shown a mostly steady trend with a few notable shifts. From 2020 to 2021, premiums dipped slightly by $12, bringing the average annual rate to $1,810. This flat movement offered a brief reprieve for drivers in a state where insurance costs have been known to fluctuate.
However, this calm isn't likely to last. After a modest decrease in 2023, the tide turned quickly with a significant $108 increase in 2024, pushing the average premium to $1,941 — the highest it's been in recent memory. This suggests that while recent years have been relatively stable, drivers should brace for potential hikes in the near future.
| Year | Avg. Annual Premium — California | Yearly Change — California |
|---|---|---|
| 2024 | $1,941 | $108 |
| 2023 | $1,833 | -$99 |
| 2022 | $1,932 | $122 |
| 2021 | $1,810 | -$12 |
| 2020 | $1,822 | -$40 |
| 2019 | $1,862 | $24 |
| 2018 | $1,838 | $79 |
| 2017 | $1,736 | $288 |
| 2016 | $1,448 | -$29 |
| 2015 | $1,477 | $46 |
Cheap auto insurance for young drivers in California
Young drivers between 16 and 25 face the steepest car insurance premiums in the U.S., shelling out more than any other age group. Due to the heightened risk associated with inexperienced drivers, teens see their rates soar to more than three times the national average. As the most expensive group to insure, teens in California can still find some relief. The Zebra’s research highlights Wawanesa, GEICO, and USAA as the top choices for affordable coverage for young drivers in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Wawanesa | $1,402 | $234 |
| USAA | $1,780 | $297 |
| GEICO | $1,957 | $326 |
| State Farm | $2,332 | $389 |
| Progressive | $2,389 | $398 |
| Allstate | $2,467 | $411 |
| Auto Club | $2,595 | $433 |
| CSAA | $3,461 | $577 |
Source: The Zebra
Zebra tip: here’s how young drivers can snag a deal on car insurance
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Take an approved defensive driving course to score some discounts and lower your accident risk.
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Pick a budget-friendly car with top safety ratings and low repair costs — skip the flashy speed demons.
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Stick with a parent’s policy to save cash and ride on their solid insurance history.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $2,726 | $454 |
| Auto Club | $2,899 | $483 |
| CSAA | $4,590 | $765 |
| GEICO | $2,236 | $373 |
| Progressive | $2,590 | $432 |
| State Farm | $2,726 | $454 |
| USAA | $2,009 | $335 |
| Wawanesa | $1,594 | $266 |
Source: The Zebra
Compare car insurance rates from California's best companies.
Car insurance in popular California cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Weed and Mount Shasta, California, and the most expensive in Beverly Hills, California.
Have a look at the table below to see average car insurance costs in some of California's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| San Diego | $1,029 | $172 |
| Fresno | $1,079 | $180 |
| San Jose | $1,082 | $180 |
| San Francisco | $1,291 | $215 |
| Los Angeles | $1,513 | $252 |
Source: The Zebra
California car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding California auto insurance.
Start saving money on car insurance today.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. 2024 U.S. Auto Insurance Study
Financial responsibility requirements for vehicle registration. California DMV
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN CA
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.