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Car Insurance in California

Lowest Premium

$266 / YEAR

Average Premium

$701 / YEAR

Highest Premium

$1882 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in California is around $701 and can go up to $1882. This is for a 30-year-old female buying 50/100/50 coverage which is considered as the minimum liability.

The average auto insurance rate in California is around $490 for the minimum liability. Geico provides the lowest rates which is only around $250 (half of the state average). The average cost for full coverage is around $1,518.

The insurance rates vary very much based on the city you live, locality, car you drive, your driving history. For instance Los Angeles has the highest rate around $2500 but in San Diego its only around $1300.

Finding the right car insurance in California

It is smarter to choose the right amount of coverages for your car insurance than opting for minimum requirement. This can vary depending on the car make, age and various other factors.

Insurance companies packs the coverages differently. So it is always better to get quotes from different companies to see who offers the best price.

Get a free online quote from different companies which only takes a couple of minutes.

Find affordable car insurance in your city

Auto Insurance Requirements in California

By law, the state requires a minimum of 15/30/5 for auto insurance as explained below:

  • $15,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $30,000. The amount is the same for deaths of two or more people caused by one accident
  • $5,000 for damage to the property of other people.

How Much is Car Insurance in California

In the cities with lowest premium like Etna, Burney etc, you will have to pay an average of $330 for minimum liability. If you choose full coverage, you will have to pay $1,171 for your premium.

If you are living in Los Angeles, Hollywood etc, the average premium amount is around $2,552. You can be lucky to pay as low as $1500 or might even end up paying the highest of $3,600 or above.

Comparing insurance premiums offered by different companies

rates in top cities rates by companies/

Main Cities in California