Find affordable insurance that works for you in California. Compare quotes from over 100 top companies.
The average cost of car insurance in California is $1,868 per year — 20% more than the national average.
Car insurance rates are impacted by more than just your location. Auto insurance rates comprise myriad factors, including a driver's age and driving history. The Zebra's experts analyzed average California car insurance rates for each of the most common rating factors.
Read on to learn how much auto insurance costs in California based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
See rates from over 50 insurance companies in California by entering your ZIP code below to start comparing quotes.
Good drivers can save money on car insurance by avoiding at-fault accidents, speeding tickets, and DUIs. Insurance companies use your driving record as a way to predict what kind of risk you will pose to them. So, by not having any of these violations you are less risky and therefore a cheaper customer for them. In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide offers some of the cheapest rates for good drivers in California.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$759||40.65%|
Young drivers between the ages of 16 and 25 pay the highest car insurance premiums of anyone in the US. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. Historically the most expensive drivers to insure, The Zebra found Allstate, GEICO, and Progressive are the cheapest companies in California for teenagers.
|Age||Average Yearly Premium|
One benefit of getting hitched — aside from the honeymoon — is the better deal you may receive on your car insurance policy. In the state of California, married drivers save $77 per year on car insurance policies. This is less than the average national savings of $98.
|Marital Status||Average Annual Rate|
Car insurance coverage for divorced drivers in California is the 8th most expensive in the nation. If you are paying too much for your car insurance policy, don't be afraid to shop around. You never know what savings you'll find!
Car insurance companies often use drivers' credit scores to get an idea of potential customers' reliability. Data trends show drivers with good credit histories are often more dependable car insurance customers: they are less likely to file claims covered by auto insurance.
California, however, outlaws the use of credit score as an insurance rating factor, meaning you'll pay the same car insurance rate no matter your credit history.
Every car insurance company emphasizes its low premiums. But as with any service, the cheapest car insurance isn't always the best. Considering the stakes, it's worthwhile to do your research to purchase an auto policy that covers your car adequately after a collision. Consider shopping around to find the best value, rather than settling for the cheapest auto insurance available.
Compare top insurance companies' financial strength and claims satisfaction ratings to better understand the level of service they'll provide. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — assesses an insurer's financial strength and ability to satisfy its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|California Capital||Not Rated||Excellent|
The legal auto insurance minimum in California is $15,000 Bodily Injury per person, $30,000 Bodily Injury per accident, and $5,000 Property Damage per accident.
For the legal minimum coverage level in California, expect to pay about $648 per year. This is more than the national average by 4%. 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. It's worth noting that better auto insurance coverage comes at a cost: in California, a comprehensive policy with a $1,000 deductible costs $1,626, 151% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 161% more than for a basic liability-only policy.
Compare average annual rates for liability-only and comprehensive car insurance tiers below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In California, the state minimum coverage requirement is liability insurance, with limits of:
If you get a ticket, your auto insurance rates may rise. How much your rates rise depends on the violation, your insurance company's pricing strategy, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in California after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$5,038||170%||$3,170|
|Refused Breathalyzer/Chemical Test||$4,937||164%||$3,069|
|Driving with a Suspended License||$4,807||157%||$2,939|
|Driving with an Open Container||$2,752||47%||$884|
|Operating a Vehicle Without Permission||$3,463||85%||$1,595|
|Passing a School Bus||$2,654||42%||$786|
|Following Too Closely||$2,654||42%||$786|
|Failure to Stop at a Red Light||$2,654||42%||$786|
|Driving Wrong Way/Wrong Lane||$3,027||62%||$1,159|
|Failure to Yield||$2,654||42%||$786|
|Speeding in a School Zone||$2,660||42%||$792|
|Driving Too Slowly||$2,660||42%||$792|
|Driving with Expired Registration||$1,931||3%||$63|
|Failure to Show Documents||$1,931||3%||$63|
|Failure to Use Child Safety Restraint||$2,115||13%||$247|
|Failure to Wear a Seat Belt||$2,006||7%||$138|
|Driving Without Lights||$2,006||7%||$138|
Undocumented immigrants can get car insurance without a license but it may be difficult and expensive. However, the consequences of driving without insurance are much more costly.
Esurance has the cheapest rates in California at $582 for a full coverage policy. Progressive and 21st Century also have cheap rates. Get started to see options for all the top companies in CA.
In 2019, our data showed the average for car insurance in CA was $847 per policy period, or $141 per month.
Car insurance in California is about 20% more expensive than average. This is due to population size, number of uninsured drivers, and insurance companies' revenue loss via claims.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Chula Vista, California, and the most expensive in Glendale, California.
|Rank||City||Avg. Annual Premium|