What's the Average Cost of Car Insurance in California?

The Zebra
Oct. 12, 2018

Auto insurance is expensive in California. The average auto insurance rate in California is $1,713 per year — 20.0% more than the national average.

Your auto insurance premiums are impacted by factors aside from location. Auto insurance premiums consider a number of considerations, such as your credit score, driving record, age, gender, and marital status.

We examined typical California car insurance premiums by each of the main rating factors. Read on to learn how much auto insurance costs in each state — or enter your zip to receive unique rates from leading auto insurance companies.


Mean Car Insurance Premiums in California by Age

It's unavoidable: as you get older, your auto insurance premiums shift. Generally speaking, car insurance is more expensive for young drivers and teens, as car insurers see inexperienced drivers as more risky.

In California, car insurance runs $7,175 each year for a 16-year-old driver, compared to $1,450 per annum for a client aged from 50 to 60.


CALIFORNIA AUTO INSURANCE PRICES BY AGE
AgeAverage Yearly Premium
16$7,175.12
17$6,853.99
18$6,021.14
19$4,428.57
20s$2,416.70
30s$1,618.56
40s$1,563.19
50s$1,449.50
60s$1,408.62
70s$1,568.61



Average Car Insurance Expenditures in California by Gender

While gender doesn’t carry as significant an effect on auto insurance costs as location or age, it is used as a rating factor. Men pay less than do women for car insurance in California, but the disparity is only $0.64 per year.

CALIFORNIA CAR INSURANCE PRICES BY GENDER
GenderAverage Annual Premium
Male$1,649.21
Female$1,649.85



Average Auto Insurance Rates in California by Marital Status

A benefit of getting married — aside from the honeymoon — is the improved deal you typically receive on your car insurance policy. In California, married drivers save $73 each year on auto insurance policies. This is a smaller discount than the US mean of $76.


CALIFORNIA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,649.21
Married$1,576.40
Divorced$1,649.21
Widowed$1,582.65



Average Auto Insurance Costs in California by Credit History

Car insurers use credit history to get an idea of how reliable a prospective customer will be. Historical data suggest drivers who hold exceptional credit are often more dependable car insurance customers: they less commonly file claims insurance companies are compelled to cover.

In California, a driver who maintains excellent credit can save $0.00 each year on car insurance, compared with a driver saddled with a low credit history. Learn more about how credit can impact car insurance outlays:


CALIFORNIA AUTO INSURANCE PRICES BY CREDIT LEVEL
Credit ScoreAverage Annual Rate
Very Poor (300-579)$1,649.21
Fair (580-669)$1,649.21
Good (670-739)$1,649.21
Very Good (740-799)$1,649.21
Exceptional (800-850)$1,649.21



Average Auto Insurance Costs for High-Risk Drivers in California

If you've been defined as at fault for an accident or found guilty of an on-road infraction, your insurance costs are going to rise. The more offenses you accrue, the more expensive your car insurance becomes.

In California, your first minor at-fault crash leads to a penalty of $862.80 per year in car insurance payments. A DWI — considered among the most severe vehicular infractions — can raise your yearly insurance rates in California by an average of $2,977.05.


CALIFORNIA AUTO INSURANCE COSTS AFTER DRIVING OFFENSES
AgeAverage Annual Premium
DWI/DUI$4,689.59
Reckless Driving$4,689.59
At-Fault Accident (<$1,000)$2,575.34
At-Fault Accident ($1,000-$2,000)$2,676.87
At-Fault Accident (>$2,000)$2,575.34
Open Container$3,130.47
Speeding (21-25 MPH > limit)$2,324.98
Speeding (16-20 MPH > limit)$2,324.98

If you are looking for a better deal on auto insurance, it's worth shopping around to get reasonably priced insurance coverage that meets your requirements.


Shop for affordable car insurance today!

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