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Average cost of car insurance in California for 2024

Updated May 01, 2024
The average cost of car insurance in California is $2,633 per year for full coverage and $645 per year for minimum coverage.

How much is car insurance in California?

Full coverage car insurance costs an average of $2,633 per year in California. The average cost for state minimum coverage is $645 per year. Nationally, full coverage costs $2,299, and minimum coverage costs $637 on average per year, so California is an expensive place to buy insurance. To determine the average cost of car insurance in California, our insurance editorial team reviewed average rates provided by Quadrant Information Services for a range of driver profiles.

While the average auto insurance rates in California could help you determine if you are overpaying for coverage, remember that your premium will vary based on several individual rating factors like the type of car you drive, your motor vehicle record, your claims history and how many miles you drive per year. The company you choose and your coverage types and limits will also affect your rate.

Key takeaways

  • The average monthly premium for minimum coverage in California is $54. The average monthly premium for full coverage is $219 in California.
  • Drivers in Los Angeles, according to our research, pay an average rate for full coverage insurance of $3,600, 37 percent more than the state average.
  • California parents adding a 16-year-old driver to their full coverage auto insurance policy can expect an average premium of $6,136 per year.
  • Drivers with a DUI on their license pay an average of $6,487 annually, which is 146 percent more than the state average

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California car insurance rates by city

Car insurance rates in California vary by city. Drivers in densely populated areas tend to have higher rates. For example, drivers in Los Angeles pay 37 percent more than the state average for full coverage, and the average cost in San Francisco is 13 percent more than the state average. Having more vehicles on the road could mean a greater chance of an accident. Other factors, such as the costs for vehicle repairs, parts and medical expenses can also impact how much drivers in a given city pay for coverage.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average