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Average cost of car insurance in California for 2024
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in California?
Full coverage car insurance costs an average of $2,835 per year in California. The average cost for state minimum coverage is $670 per year. Nationally, full coverage costs $2,458, and minimum coverage costs $678 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.
Keep in mind that you are unlikely to pay a rate that matches the averages. Your insurer uses a handful of rating factors to determine what you will pay for your policy. Some of these, like your age or location, may be beyond your control. But others, such as your driving record and the type of car you drive, could be factors you can influence to help keep your rate low. Maintaining a clean driving record, with no moving violations or accidents, is one of the best ways to keep your premium reasonable.
Key takeaways
- The average monthly premium for minimum coverage in California is $56. The average monthly premium for full coverage is $236 in California.
- Drivers in Los Angeles, according to our research, pay an average rate for full coverage insurance of $3,885, 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 $6,605 per year.
- Drivers with a DUI on their license pay an average of $6,990 annually, which is 147 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. There are several reasons why urban customers may pay more than rural customers, namely that driving in dense traffic increases the likelihood 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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Benton | $205 | $2,459 | -14% |
| Bishop | $184 | $2,207 | -25% |
| Darwin | $214 | $2,567 | -10% |
| Edwards | $209 | $2,504 | -12% |
| Lancaster | $253 | $3,041 | +7% |
| Burrel | $228 | $2,731 | -4% |
| Cantua Creek | $218 | $2,611 | -8% |
| Tracy | $222 | $2,669 | -6% |
| Catheys Valley | $200 | $2,406 | -16% |
| Coulterville | $211 | $2,537 | -11% |
| Escalon | $217 | $2,600 | -9% |
| Keyes | $230 | $2,759 | -3% |
| Los Angeles | $324 | $3,885 | +31% |
| Avenal | $203 | $2,434 | -15% |
| Huron | $206 | $2,477 | -13% |
| Laton | $210 | $2,525 | -12% |
| Maricopa | $207 | $2,487 | -13% |
| Shafter | $218 | $2,620 | -8% |
| Bakersfield | $222 | $2,662 | -6% |
| San Luis Obispo | $194 | $2,324 | -20% |
| Mill Creek | $207 | $2,490 | -13% |
| Weed | $174 | $2,093 | -30% |
| Whitmore | $202 | $2,421 | -16% |
| Floriston | $208 | $2,501 | -13% |
| Janesville | $204 | $2,443 | -15% |
| Markleeville | $207 | $2,488 | -13% |
| Westwood | $200 | $2,402 | -17% |
| South Lake Tahoe | $208 | $2,494 | -13% |
| Paso Robles | $192 | $2,302 | -21% |
| Santa Maria | $190 | $2,278 | -22% |
| Shandon | $206 | $2,474 | -14% |
| Exeter | $197 | $2,360 | -18% |
| Taft | $212 | $2,538 | -11% |
| Tupman | $219 | $2,629 | -8% |
| Visalia | $203 | $2,440 | -15% |
| Mineral | $201 | $2,407 | -16% |
| Old Station | $212 | $2,541 | -11% |
| Shasta Lake | $189 | $2,271 | -22% |
| Trinity Center | $205 | $2,460 | -14% |
| Chilcoot | $204 | $2,449 | -15% |
| Oceano | $185 | $2,223 | -24% |
| Mojave | $216 | $2,592 | -9% |
| Acton | $231 | $2,768 | -2% |
| Littlerock | $257 | $3,079 | +8% |
| Rosamond | $219 | $2,633 | -7% |
| Palmdale | $259 | $3,109 | +9% |
| Bass Lake | $213 | $2,553 | -10% |
| Caruthers | $222 | $2,664 | -6% |
| Groveland | $208 | $2,501 | -13% |
| Livingston | $210 | $2,521 | -12% |
| Mariposa | $206 | $2,468 | -14% |
| Hanford | $193 | $2,314 | -20% |
| Lebec | $224 | $2,683 | -6% |
| Waukena | $221 | $2,652 | -7% |
| Los Molinos | $193 | $2,321 | -20% |
| Montague | $183 | $2,201 | -25% |
| Obrien | $199 | $2,386 | -17% |
| Wendel | $209 | $2,504 | -12% |
| Tahoe Vista | $213 | $2,561 | -10% |
| Inyokern | $205 | $2,456 | -14% |
| Lone Pine | $199 | $2,386 | -17% |
| Randsburg | $221 | $2,656 | -7% |
| Ahwahnee | $197 | $2,359 | -18% |
| Chinese Camp | $205 | $2,456 | -14% |
| Pinecrest | $223 | $2,680 | -6% |
| Lompoc | $184 | $2,206 | -25% |
| Pismo Beach | $186 | $2,235 | -24% |
| Goleta | $192 | $2,308 | -20% |
| Santa Barbara | $202 | $2,430 | -15% |
| Alpaugh | $222 | $2,661 | -6% |
| Arvin | $227 | $2,725 | -4% |
| Chico | $193 | $2,312 | -20% |
| Irvine | $223 | $2,672 | -6% |
| Newport Beach | $225 | $2,703 | -5% |
| Westminster | $238 | $2,852 | +1% |
| Mission Viejo | $206 | $2,474 | -14% |
| San Juan Capistrano | $208 | $2,491 | -13% |
| Aliso Viejo | $213 | $2,560 | -10% |
| Tustin | $219 | $2,632 | -7% |
| Vacaville | $202 | $2,429 | -15% |
| Alta | $217 | $2,598 | -9% |
| Camino | $215 | $2,581 | -9% |
| Norden | $217 | $2,603 | -9% |
| Soda Springs | $212 | $2,550 | -11% |
| Weimar | $206 | $2,476 | -14% |
| Sacramento | $246 | $2,947 | +4% |
| Berry Creek | $207 | $2,482 | -13% |
| California City | $208 | $2,502 | -12% |
| Lake Hughes | $238 | $2,861 | +1% |
| Little Lake | $221 | $2,650 | -7% |
| Ridgecrest | $198 | $2,376 | -18% |
| Red Mountain | $222 | $2,670 | -6% |
| Auberry | $214 | $2,568 | -10% |
| Biola | $239 | $2,872 | +1% |
| Downey | $260 | $3,115 | +9% |
| Malibu | $288 | $3,455 | +20% |
| Marina Del Rey | $299 | $3,592 | +24% |
| Inglewood | $301 | $3,618 | +24% |
| Kerman | $220 | $2,634 | -7% |
| Mono Hot Springs | $213 | $2,554 | -10% |
| Orange Cove | $222 | $2,664 | -6% |
| Orosi | $218 | $2,618 | -8% |
| Traver | $212 | $2,544 | -11% |
| Fresno | $220 | $2,644 | -7% |
| Sequoia National Park | $216 | $2,598 | -9% |
| Tulare | $204 | $2,443 | -15% |
| Shasta | $193 | $2,321 | -20% |
| Shingletown | $188 | $2,251 | -23% |
| Tehama | $196 | $2,353 | -19% |
| Weaverville | $184 | $2,213 | -25% |
| Whiskeytown | $206 | $2,470 | -14% |
| Lake City | $199 | $2,386 | -17% |
| Homewood | $204 | $2,447 | -15% |
| Farmersville | $212 | $2,542 | -11% |
| Kettleman City | $205 | $2,465 | -14% |
| Lost Hills | $209 | $2,503 | -12% |
| Mc Farland | $219 | $2,633 | -7% |
| Culver City | $263 | $3,161 | +11% |
| Hawthorne | $270 | $3,237 | +13% |
| Topanga | $303 | $3,637 | +25% |
| Fowler | $225 | $2,700 | -5% |
| Hume | $219 | $2,632 | -7% |
| Kingsburg | $215 | $2,576 | -10% |
| Madera | $211 | $2,534 | -11% |
| Oakhurst | $200 | $2,396 | -17% |
| Lemon Grove | $208 | $2,499 | -13% |
| Spring Valley | $212 | $2,545 | -11% |
| Carlsbad | $203 | $2,433 | -15% |
| Escondido | $209 | $2,506 | -12% |
| San Diego | $210 | $2,517 | -12% |
| Coronado | $207 | $2,486 | -13% |
| Blythe | $202 | $2,419 | -16% |
| San Jose | $220 | $2,640 | -7% |
| Altaville | $207 | $2,486 | -13% |
| Campo Seco | $218 | $2,621 | -8% |
| Copperopolis | $213 | $2,557 | -10% |
| Lodi | $213 | $2,559 | -10% |
| Big Pine | $188 | $2,252 | -23% |
| Keene | $215 | $2,582 | -9% |
| Mammoth Lakes | $204 | $2,451 | -15% |
| Garden Grove | $236 | $2,838 | +0% |
| Anaheim | $232 | $2,790 | -2% |
| Villa Park | $224 | $2,692 | -5% |
| Corona | $224 | $2,689 | -5% |
| Ventura | $200 | $2,396 | -17% |
| Camarillo | $209 | $2,502 | -12% |
| Oxnard | $216 | $2,591 | -9% |
| Elk Creek | $200 | $2,404 | -16% |
| Glenn | $193 | $2,322 | -20% |
| Grimes | $208 | $2,492 | -13% |
| Rackerby | $207 | $2,482 | -13% |
| Taylorsville | $198 | $2,371 | -18% |
| Redding | $189 | $2,271 | -22% |
| Dorris | $202 | $2,429 | -15% |
| Douglas City | $210 | $2,522 | -12% |
| Bodfish | $210 | $2,524 | -12% |
| Lamont | $225 | $2,700 | -5% |
| Mcarthur | $203 | $2,435 | -15% |
| Palo Cedro | $189 | $2,263 | -22% |
| Round Mountain | $209 | $2,513 | -12% |
| Scott Bar | $205 | $2,460 | -14% |
| Blairsden-graeagle | $191 | $2,293 | -21% |
| Loyalton | $194 | $2,329 | -20% |
| Beckwourth | $208 | $2,502 | -12% |
| Kings Beach | $214 | $2,564 | -10% |
| Tahoe City | $201 | $2,407 | -16% |
| Wheatland | $209 | $2,507 | -12% |
| Emigrant Gap | $229 | $2,749 | -3% |
| Skyforest | $230 | $2,755 | -3% |
| Victorville | $242 | $2,909 | +3% |
| San Bernardino | $250 | $3,002 | +6% |
| Riverside | $229 | $2,748 | -3% |
| Homeland | $218 | $2,620 | -8% |
| Murrieta | $211 | $2,537 | -11% |
| Menifee | $223 | $2,670 | -6% |
| Wildomar | $212 | $2,540 | -11% |
| Perris | $237 | $2,844 | +0% |
| Laguna Niguel | $214 | $2,569 | -10% |
| Whitethorn | $216 | $2,591 | -9% |
| West Sacramento | $236 | $2,830 | -0% |
| Brooks | $226 | $2,717 | -4% |
| Diamond Springs | $204 | $2,454 | -14% |
| Georgetown | $215 | $2,581 | -9% |
| Greenwood | $218 | $2,610 | -8% |
| Lotus | $222 | $2,666 | -6% |
| Volcano | $204 | $2,448 | -15% |
| Edison | $232 | $2,785 | -2% |
| Lake Isabella | $209 | $2,504 | -12% |
| Lemoore | $202 | $2,425 | -16% |
| New Cuyama | $191 | $2,297 | -21% |
| Pixley | $207 | $2,484 | -13% |
| Strathmore | $214 | $2,572 | -10% |
| Tipton | $209 | $2,504 | -12% |
| Wofford Heights | $209 | $2,510 | -12% |
| Cedarville | $203 | $2,432 | -15% |
| Clio | $202 | $2,423 | -16% |
| Litchfield | $200 | $2,400 | -17% |
| Milford | $205 | $2,455 | -14% |
| Ravendale | $214 | $2,568 | -10% |
| Rancho Cucamonga | $227 | $2,726 | -4% |
| Chino | $235 | $2,818 | -1% |
| El Monte | $260 | $3,120 | +10% |
| Glendora | $222 | $2,664 | -6% |
| Campo | $216 | $2,598 | -9% |
| Rodeo | $229 | $2,753 | -3% |
| Moraga | $215 | $2,581 | -9% |
| Deer Park | $223 | $2,671 |