Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in California Average car insurance cost in California The average premium for car insurance in California is $2,416 per year or $201 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: October 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The cost of auto insurance in California depends on a lot of factors. On average, premiums for car insurance in California cost $2,416 per year or $201 monthly. The national average is $1,682, a difference of $521. Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, helps you to find affordable car insurance, outlines average car insurance rates across cities in California, and breaks down car insurance rates by age group. Summary of average car insurance cost in CaliforniaAverage annual cost $2,416Average per month cost $201Average cost for state minimum coverage $551 / YearCheapest car insurance company Geico($1,919 / Year)Average cost for young drivers $3,622 / YearAverage cost for senior drivers $2,424 / Year Key Takeaways Based on Insure.com’s analysis, car insurance in California costs $2,416 per year. Car insurance in California costs $201 per month. Geico has the cheapest car insurance rates in California, at an average annual rate of $1,919 a year. Average car insurance cost in California per month In California, the average monthly rate for car insurance is $201. This cost varies among insurers; every auto insurance company has its own way of setting rates. When exploring car insurance options in California, obtain quotes from multiple companies. Cheapest car insurance companies in California According to Insure.com’s rate analysis, the cheapest car insurance company in California is Geico, with an average annual cost of $1,919 and a monthly average of $160. Following closely is Mercury Insurance, providing coverage at an average monthly rate of $169. The following table lists additional car insurance companies operating in California and their average monthly and annual costs. Company nameAverage per month costAverage annual costGeico$160$1,919Mercury Insurance$169$2,031Progressive$182$2,179Kemper$202$2,429Travelers$205$2,460Auto Club Enterprises (AAA)$205$2,466CSAA Insurance (AAA)$217$2,600Allstate$219$2,627State Farm$225$2,701Nationwide$233$2,799Farmers$253$3,035USAA$152$1,827 Read our guide to cheap car insurance companies California car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State California Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,919/Year OR $243/month California Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage level in California Car insurance rates in California are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage. Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, liability coverage won’t cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $864 per year in California. As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium. The average annual cost of full coverage car insurance with 100/300/100 limits and $500 deductibles in California is $2,416 per year. If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is an option. It provides liability-only coverage for you when drive cars owned by others. In California, the average annual cost for non-owner state minimum liability coverage is $299. State minimum coverage is the lowest amount of coverage you can carry and still drive legally. This coverage costs an average of $551 a year in California. Coverage limitsAverage annual costState Minimum BI/PD$551Liability Only – 50/100/50 BI/PD$864Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,416Non-Owners$299 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in California by cityFresnoLos AngelesSan DiegoSan FranciscoSan JoseAverage car insurance cost in California by city Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. Accident and claim rates in an area, along with crime rates, impact insurance costs. The table below show car insurance rates for major cities in California: CityAverage annual costAnaheim$2,572Bakersfield$2,477Fresno$2,385Long Beach$2,681Los Angeles$3,149Oakland$2,802Sacramento$2,665San Diego$2,324San Francisco$2,777San Jose$2,406 Average car insurance cost in California by age of the driver Age is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. As a result, in California, the average annual rate for young drivers is $3,622, whereas for seniors, it’s $2,424. Teen drivers pay more than senior drivers by an average of $1,198. Average car insurance cost in California for young drivers In California, the average cost of car insurance for a young female driver is $3,620 and $302 per month. For a young male driver, the average annual rate is $3,623, or $302 per month. Average annual rates for male and female drivers aged 20-24 are listed in the table below: Age of driverAverage annual cost20$4,38121$3,73022$3,50723$3,33324$3,149 Average car insurance cost in California for senior drivers In California, female senior drivers pay an average rate of of $2,423, or $202 per month. Male senior drivers pay an average of $2,424, or $202 per month. Age of driverAverage annual cost65$2,28470$2,41675$2,571 Read more about senior car insurance. Minimum car insurance requirements in California Every state establishes guidelines regarding the minimum car insurance coverage drivers must carry to be able to drive vehicles legally. According to the California Department of Insurance, the required coverages and minimum coverage limits in California are as follows: Bodily injury per person: $15,000 Bodily injury per accident: $30,000 Personal property coverage per person: $5,000 Cheapest cars to insure in California According to our rate analysis, the Subaru Forester has most affordable average annual insurance premiums at $2,123, with the Subaru Crosstrek trailing closely behind at $2,183. The annual difference in insurance costs between these two amounts to $60. MakeModelAverage annual premiumSubaruForester$2,123SubaruCrosstrek$2,183HondaHR-V$2,187HondaOdyssey$2,190VolkswagenTiguan$2,197SubaruAscent$2,205HondaCR-V$2,210MazdaCX-5$2,220KiaSeltos$2,221MazdaCX-30$2,222 Most expensive cars to insure in California The Audi R8 Performance, at an average annual premium of $7,967, tops the list as the most expensive car to insure. The difference between the cheapest and most expensive cars to insure is $5,844 annually. MakeModelAverage annual premiumAudiR8 Performance$7,967MaseratiQuattroporte$7,540PorschePanamera Turbo S E-Hybrid$7,031PorscheTaycan Turbo$6,837Porsche911 Turbo$6,813MaseratiQuattroporte Trofeo$6,747PorschePanamera 4S E-Hybrid$6,662Porsche911 Sport Classic$6,594PorscheTaycan GTS$6,546AudiR8$6,399 Methodology Insure.com commissioned car insurance rates in all 50 states and Washington, D.C. from Quadrant Data Services in late 2023. Rates are based on a full coverage policy with 100/300/100 in liability coverage and $500 deductibles. The base sample driver is 40-year-old with a clean driving record and good credit, driving a 2023 Honda Accord LX. Rates were also requested at state minimum coverage levels and 50/100/50 liability-only coverage, and for multiple age groups. How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in California Non-owner car insurance in California Average renters insurance cost in California Average homeowners insurance cost in California Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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