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: December 31, 2024 Why you can trust Insure.com 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. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in California, the average annual premium is $2,416, per year or $201 monthly. This contrasts with the national average of $1,895, highlighting a variation of $521. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in California, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $2,416 Average per month cost $201 Average cost for state minimum coverage $551 / Year Cheapest car insurance company Geico($1,919 / Year) Average cost for young drivers $3,622 / Year Average cost for Senior drivers $2,424 / Year Key TakeawaysThe average car insurance cost in California is $2,416 per year, based on Insure.com’s analysis.In California, the average premium for car insurance is $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 monthIn California, car insurance costs around $201 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in California, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in CaliforniaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums 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 respective average monthly and annual costs. Affordable car insurance providers in California Graph Table 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 levels in CaliforniaThe extent of coverage you opt for directly influences the cost of car insurance in California. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in California would be $864.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in California amounts to $2,416.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In California, the average annual cost for non-owner state minimum liability coverage stands at $299.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $551 annually in California.1State minimum:$5512Liability only:$8643Full coverage:$2,4164Non-owners:$299Auto 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 cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular 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$2,406Average car insurance cost in California by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in California is $3,622, whereas for seniors, it’s $2,424. The rate for young drivers surpasses that of senior drivers by $1,198.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in California for young drivers Age of driver Average annual cost 20 $4,381 21 $3,730 22 $3,507 23 $3,333 24 $3,149 Average car insurance cost in California for senior drivers Age of driver Average annual cost 65 $2,284 70 $2,416 75 $2,571 Read more about senior car insuranceMinimum car insurance requirements in CaliforniaEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the California Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in California:Bodily injury per person: $15,000Bodily injury per accident: $30,000Personal property coverage per person: $5,000Cheapest cars to insure in CaliforniaThe Subaru Forester has the lowest average annual insurance premium, at $2,123, with the Subaru Crosstrek closely following at $2,183. Annually, the insurance cost difference between these two models 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$2,222Most expensive cars to insure in CaliforniaThe Audi R8 Performance, at an average annual premium of $7,967, tops the list as the most expensive car to insure. However, 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$6,399MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow 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. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in California per monthCheapest car insurance companies in CaliforniaAverage cost of car insurance by coverage levels in CaliforniaAverage car insurance cost in California by cityAverage car insurance cost in California by age of the driverMinimum car insurance requirements in CaliforniaCheapest cars to insure in CaliforniaMost expensive cars to insure in CaliforniaMethodology ZIP Code Please enter valid ZIP See rates