Here's what you need to know when driving in California
The average cost of car insurance in California is $1,810 per year — 18% more than the national average. Your car insurance premiums are impacted by more than just where you live. Underwriters generate auto insurance rates based on a number of factors, including age, driving history, marital status and credit score. The Zebra's experts analyzed average California car insurance rates for each of the most common rating factors to help you find a policy that fits your needs.
Read on to discover how much auto insurance costs in California, or submit your ZIP code above to receive car insurance quotes personalized to your driving profile.
The best car insurance companies in California
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 870 (out of 1,000) in the J.D. Power 2021 U.S. Auto Insurance Study for the state of California.
This regional carrier scored an 853 on J.D. Power's 2021 auto study.
CONNECT by American Family Insurance rounds out the top three with a score of 839 in J.D. Power's 2021 survey. American Family (CONNECT's parent company) scored third overall in The Zebra's Customer Satisfaction Survey.
The cheapest rates are from Wawanesa at $558 on average for a six-month policy.
For the minimum required coverage in California, GEICO is the cheapest on average.
If you have a DUI on your record, check out Wawanesa for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
California auto insurance laws
Car insurance is mandatory in almost every state, and California is no exception. For the legal minimum coverage level in California, expect to pay about $563 per year. This is more than the national average by 4%.
Have a look at the coverage levels required for all California drivers as well as optional coverage types offered by most insurers.
For the legal minimum coverage level in California, expect to pay about $563 per year.
State minimum coverage
In order to drive legally in the state of California, you must carry at least the minimum liability limits listed below:
- Bodily Injury $15,000 per person
- Bodily Injury $30,000 per accident
- Property Damage $5,000 per accident
Optional coverage in California (varies by carrier):
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
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 $1,609, 186% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay around $1,920.
In California, a comprehensive policy with a $1,000 deductible costs $1,609, 186% more than basic liability-only coverage.
California car insurance premiums by rating factor
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.
California car insurance premiums for minimum coverage
Because California's minimum liability limits are lower than average, it's highly recommended that drivers carry more coverage than the bare minimum required. The state's incredibly low property damage liability limit could especially be problematic, leaving you on the hook for large sums if you were at fault in an expensive accident.
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.
Cheap auto insurance in California with bad credit
While most states use your credit history in the underwriting process, California has banned the practice. This means that those with a poor credit history do not have to worry about it affecting how much they pay for auto insurance.
Cheap auto insurance in California with an at-fault accident
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.
Safe driver discounts
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%.
Cheap auto insurance for young drivers in California
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, averaging around $4,989 if they were to purchase their own policy. Historically the most expensive drivers to insure, The Zebra found Wawanesa, GEICO, and USAA are the cheapest companies in California for teenagers.
California auto insurance rate by violation
If you have a clean driving record in California — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 161% after a DUI and 40% after a speeding ticket in California.
See below average auto insurance rates in California after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,932||0%||$0|
|Two Med/PIP claims||$1,932||0%||$0|
|Two comp claims||$1,932||0%||$0|
|One comp claim||$1,932||0%||$0|
|At-fault accident - less than $1000||$1,975||2%||$43|
|Failure to show documents||$2,540||32%||$609|
|Driving with expired registration||$2,556||32%||$624|
|Driving without lights||$2,560||33%||$628|
|Failure to wear a seat belt||$2,566||33%||$634|
|Child safety restraint||$2,574||33%||$643|
|Speeding 11 - 15 MPH over limit||$2,693||39%||$761|
|Speeding 16 - 20 MPH over limit||$2,693||39%||$761|
|Following too closely||$2,695||40%||$764|
|Failure to stop at a red light||$2,695||40%||$764|
|Speeding 6 - 10 MPH over limit||$2,697||40%||$765|
|Speeding in school zone||$2,697||40%||$765|
|Driving too slowly||$2,697||40%||$765|
|In 65 MPH zone||$2,697||40%||$765|
|Failure to yield||$2,698||40%||$766|
|Texting while driving||$2,704||40%||$772|
|Cell phone violation||$2,704||40%||$772|
|Speeding 21 - 25 MPH over limit||$2,704||40%||$773|
|Passing school bus||$2,777||44%||$845|
|Wrong way/wrong lane||$3,203||66%||$1,271|
|Operating a vehicle without permission||$3,306||71%||$1,375|
|At-fault accident - $1000-$2000||$3,344||73%||$1,412|
|At-fault accident - greater than $2000||$3,344||73%||$1,412|
|Driving with a suspended license||$4,107||113%||$2,175|
|Leaving scene of an accident/hit and run||$4,902||154%||$2,970|
|Refusal to submit to a chemical test||$5,048||161%||$3,116|
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.
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.
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.
Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
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.
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.
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.
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.
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.
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.
Compare car insurance rates from California's best companies.
Rates by city
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.
Auto insurance pricing trends in California
Average annual auto insurance premiums in California fell by $12 from 2020 to 2021. A normal driver in California faces an average rate of $1,810 each year.
The year-over-year trend in California is fairly flat for auto insurance costs overall, though likely to increase going forward. The biggest jump in recent years occurred between 2016 and 2017, with rates increasing an average of $288 year over year. Meanwhile, insurance rates nationwide have risen in recent years, climbing from $1,470 in 2018 to $1,529 in 2021.
If your policy pricing trend doesn't align with the table below, the best step to take is to shop around.
|Year||Avg. Annual Premium — California||Yearly Change — California||Avg. Annual Premium — USA||Yearly Change — USA|
California car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding California auto insurance.
Who has the cheapest car insurance in California?
Wawanesa has the cheapest rates in California at $558 for a full coverage policy. GEICO and USAA also have cheap rates. Get started to see options for all the top companies in CA.
What is the average cost for car insurance in California?
In 2021, our data shows the average for car insurance in CA was $905 per policy period, or about $151 per month.
Why is car insurance so expensive in California?
Car insurance in California is about 18% more expensive than average. This is due to population size, number of uninsured drivers, and insurance companies' revenue loss via claims.
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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 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.