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Average cost of car insurance in California for 2023
The average cost of car insurance in California is $2,291 per year for full coverage and $636 per year for minimum coverage.
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What To Know First
As one of the most expensive states, it should come as no surprise that car insurance rates in California are above the national average. Drivers in the Golden State pay an average of $2,291 per year for full coverage car insurance and $636 per year for minimum coverage, according to Bankrate’s 2023 premium data.
California auto insurance rates for full coverage are much higher than the national average cost of car insurance, which is $2,014 per year for full coverage and $622 per year for minimum coverage. Knowing the average cost of auto insurance in California may help you understand if your policy is competitively priced. Bankrate’s research could also help you find ways to lower your premium, which could potentially save you hundreds of dollars per year.
- According to Bankrate’s analysis, Geico offers the cheapest average minimum coverage auto insurance premium on our list at $415 per year, while Capital offers the most competitive rates for full coverage at $1,548 annually.
- Drivers in Venice pay the most by far for auto insurance, according to our research, with an average rate for full coverage insurance of $2,703 per year, 18 percent above the state average.
- California parents adding a 16-year-old driver to their full coverage auto insurance policy can expect an average premium of $5,360 per year.
On This Page
- How much is car insurance in California?
- California car insurance rates by city
- Average car insurance costs by age and gender in California
- How does driving record impact the cost of car insurance in California?
- How does vehicle type impact the cost of car insurance in California?
- How to save on car insurance in California
- Estimate your car insurance cost in California
- Frequently asked questions
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How much is car insurance in California?
Full coverage car insurance costs an average of $2,291 per year in California. The average cost for state minimum coverage is $636 per year. Nationally, full coverage costs $2,014, and minimum coverage costs $622 on average per year, so California is an expensive place to buy insurance. To determine the average cost of car insurance in California for 2023, 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.
|Avg. minimum coverage premium in California||Avg. annual full coverage premium in California|
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 11 percent more than the state average for full coverage, and the average cost in San Francisco is $197 per year higher 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.
|California city||Avg. annual full coverage premium||Percentage change from California avg. annual full coverage premium|
Average car insurance costs by age and gender in California
A driver’s age often contributes to the cost of annual premiums, as it can indicate how statistically risky a driver is. Young drivers, with teen drivers that have just earned their drivers’ licenses, are typically hit the hardest with expensive premiums. For example, 16-year-old drivers in California typically increase their parents’ premiums by nearly $3,000 per year. Fortunately, California auto insurance rates typically drop in price as drivers get older (starting at age 20) — as long as they avoid accidents and citations.
Unlike most states, California does not allow car insurance companies to consider gender when determining rates. As a result, your gender should not play a role in determining your California car insurance premium.
|Age||Avg. monthly full coverage premium in California||Avg. annual full coverage premium in California|
*16-year-old rate is total rate on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Cost considerations for young drivers in California
Teen drivers generally pay some of the highest car insurance rates due to their lack of experience. Generally, until a child is legally an adult at 18, they must share a car insurance policy with a legal adult. The rates below are for a married couple adding one child to their car insurance policy.
At age 18, drivers can choose to purchase their own car insurance policy, but the cost will generally be higher than if they were still listed on their parents’ policy. By age 25, most drivers likely have established their own household and have their own policies. The rates below are for California drivers of various ages that have their own auto insurance policies.
|Age||Avg. annual premium for drivers on their parents' policy in California*||Avg. annual premium for drivers on their own policy in California|
*Cost on parents’ policy is the total cost for three drivers insured on one full coverage policy
**16- and 17-year-old drivers must be on their parents’ policy.
How does driving record impact the cost of car insurance in California?
Your motor vehicle record is one of the biggest influences on your car insurance premiums. In California, a single speeding ticket could increase the cost of your auto insurance by 35 percent. The table below demonstrates the average premium increases for a speeding ticket, an at-fault accident and a DUI conviction. Any one of these infractions could cause you to be viewed as a high-risk driver. If you have multiple incidents on your driving record within a three- to five-year time period, your rates will likely be even higher. Only full coverage rates are presented here, as riskier drivers may want to consider more coverage for greater financial protection.
|Driving incident||Avg. annual full coverage premium in California||Percentage increase from California avg. annual full coverage premium|
|Clean driving record||$2,291||0%|
How does vehicle type impact the cost of car insurance in California?
The type of vehicle you drive also impacts your car insurance premium. Different vehicle makes and models have different statistical accident rates, different safety features and different prices for parts and labor, all of which can affect auto insurance costs. Below is a table showing the average California car insurance rates for some popular vehicle makes and models across a range of price points. As you can see, higher end cars like BMWs generally cost more to insure than more standard makes like Hondas. Keep in mind that rates will also vary by the year of your vehicle, since updates to models can bring changes in safety features and the price of parts and labor.
|Vehicle||Avg. annual full coverage premium in California|
How to save on car insurance in California
California drivers pay, on average, higher rates for car insurance than drivers in many other states. However, the state of California also highly regulates how insurers can offer savings. For example, drivers in California cannot take advantage of telematics discounts or accident forgiveness programs. If you’re trying to lower your car insurance premium in California, here are some tips:
- Understand your coverage needs: More coverage means more financial protection, but it also generally comes with a higher price tag. While most insurance professionals advise that you buy higher-than-minimum limits, not every driver needs a deluxe policy. Understanding your needs can help you choose appropriate coverage.
- Maintain a clean driving record: Driving incidents like at-fault accidents, tickets and DUIs increase rates substantially. Practicing safe driving habits can help you maintain a lower premium.
- Shop around: Different car insurance companies have different rating structures, which means rates vary for even the same coverage. Getting quotes from several insurers could help you find the lowest rate.
- Utilize discounts: While California restricts some discounts like telematics programs, there are other ways to save. Bundling your auto and home insurance policies, being a good student and being loyal to a company are all solid ways to save on California car insurance.