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
Lowest Premium
$266 / YEAR
Average Premium
$701 / YEAR
Highest Premium
$1882 / YEAR
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
- » Anaheim
- » Bakersfield
- » Chula Vista
- » Corona
- » Elk Grove
- » Escondido
- » Fontana
- » Fremont
- » Fresno
- » Fullerton
- » Garden Grove
- » Glendale
- » Hayward
- » Huntington Beach
- » Irvine
- » Lancaster
- » Long Beach
- » Los Angeles
- » Modesto
- » Moreno Valley
- » Oakland
- » Oceanside
- » Ontario
- » Orange
- » Oxnard
- » Palmdale
- » Pasadena
- » Pomona
- » Rancho Cucamonga
- » Riverside
- » Sacramento
- » Salinas
- » San Bernardino
- » San Diego
- » San Francisco
- » San Jose
- » Santa Ana
- » Santa Clarita
- » Santa Rosa
- » Stockton
- » Sunnyvale
- » Thousand Oaks
- » Torrance
- » Visalia