How Much Does Car Insurance Cost in California?

The Zebra
Nov. 12, 2018

Car insurance policies are expensive in California. The average auto insurance cost in California is $1,713 per year — 20% more than the national average.

Your car insurance rates are impacted by more than just your location. Auto insurance rates consider myriad components, such as one's age, gender, marital status, credit rating, and driving history.

We reviewed average California car insurance rates by each of the most common rating factors. Read on to learn how much auto insurance costs in your state — or submit your zip to receive personalized quotes from popular insurers.


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Average California car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations

Average Car Insurance Expenditure in California by Age Bracket

It’s a fact of life: as you age, your auto insurance premiums change. Typically, auto insurance is pricier for young drivers and teens, as auto insurance companies see newer drivers as less responsible.

In California, auto coverage costs $7,175 annually for a 16-year-old driver, compared to $1,450 per year for a driver between 50 and 59 years of age.


CALIFORNIA CAR INSURANCE RATES 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

If you're facing the pricey prospect of insuring a teen driver, it's worth noting California is the 34th cheapest state in which to purchase car insurance for a 16-year-old.




Average Auto Insurance Expenditures in California by Gender

While gender does not have as sizable an impact on car insurance prices as a driver's location or age, it is incorporated as a rating factor by car insurance underwriters.


CALIFORNIA CAR INSURANCE PRICES FOR MEN VS. WOMEN
GenderAverage Yearly Rate
Male$1,649.21
Female$1,649.85

If you're worried you aren't getting the best bang for your buck with your present car insurance company, the best option is to shop around and compare rates.

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Average Car Insurance Rates in California by Marriage Status

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 $73 per year on car insurance policies. This is less than the national savings of $76.


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

Car insurance coverage for divorced drivers in California is the 9th 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!




Average Auto Insurance Costs in California by Credit Score

Car insurance companies use credit score to get an idea of a potential customer's 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.


CALIFORNIA AUTO INSURANCE RATES BY CREDIT SCORE
Credit TierAverage 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



Median Car Insurance Costs for High-Risk Drivers in California

If you’re determined to be to be at fault in a car accident or found guilty of a driving infraction, your auto insurance premiums are bound to rise. The more red flags you rack up, the pricier your auto insurance becomes.

In California, your first minor at-fault crash leads to a penalty of $862.80 per year in auto insurance premiums. A DUI — considered among the most grievous driving violations — may grow your insurance rates in California by as much as $2,977.05.


CALIFORNIA AUTO INSURANCE PREMIUMS WITH VIOLATIONS
AgeAverage Yearly Premium
DUI or DWI$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're facing above-average car insurance payments, consider insurance shopping to find inexpensive coverage that suits you.


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