The average cost of car insurance in California is between 150 and 220 dollars per month, depending on factors like age, driving record, location, and the type of coverage you choose. That equals around 1,800 to 2,640 dollars per year. California is one of the most expensive states for car insurance due to high traffic, frequent accidents, and dense urban areas.
If you’re a California driver, understanding what goes into your premium can help you make smart choices and save money.
In this guide, you’ll learn:
- Average monthly and yearly insurance rates in California
- Cost breakdown by coverage type, age, and location
- Factors that affect your rate
- Cheapest cities and cars to insure
- Discounts and tips to reduce your premium
- Frequently asked questions
Let’s dive into everything you need to know.
Average Car Insurance Cost in California
Monthly and Yearly Averages:
| Coverage Type | Monthly Cost | Annual Cost |
| Minimum Liability | $60 – $90 | $720 – $1,080 |
| Full Coverage | $150 – $220 | $1,800 – $2,640 |
Full coverage includes:
- Liability insurance (required by law)
- Collision coverage
- Comprehensive coverage
These numbers are average estimates for drivers with clean records and standard vehicles.
Cost by Age Group
Age is a big factor in how much you pay for car insurance. Younger drivers pay more due to less driving experience and higher accident risk.
| Age Group | Average Monthly Cost |
| 16 – 19 | $350 – $600 |
| 20 – 24 | $250 – $400 |
| 25 – 29 | $180 – $300 |
| 30 – 39 | $160 – $220 |
| 40 – 49 | $140 – $200 |
| 50 – 59 | $120 – $180 |
| 60 and above | $100 – $170 |
If you’re under 25, consider staying on a parent’s policy to save money.
Cost by City in California
Where you live in California plays a big role in your insurance rate. Urban areas like Los Angeles and San Francisco have higher rates due to more traffic and theft.
| City | Average Monthly Cost (Full Coverage) |
| Los Angeles | $220 – $280 |
| San Francisco | $210 – $270 |
| San Diego | $170 – $230 |
| Fresno | $160 – $210 |
| Sacramento | $180 – $240 |
| San Jose | $170 – $230 |
| Bakersfield | $150 – $200 |
| Riverside | $160 – $210 |
Living in a smaller town or low-crime area usually means lower premiums.
Minimum Car Insurance Requirements in California
California law requires all drivers to carry minimum liability insurance:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for property damage
This is called 15/30/5 coverage. However, these limits are low and may not fully cover costs in a serious accident. Most drivers choose higher limits or full coverage.
Factors That Affect Car Insurance Rates in California
Insurance companies use many factors to calculate your rate:
1. Driving History
- Accidents and tickets raise your rate
- A clean record leads to discounts
2. Age and Experience
- Teens and young adults pay the most
- Rates improve with age and a clean record
3. Location
- High-crime, high-traffic ZIP codes = higher premiums
- Rural areas usually cost less
4. Type of Vehicle
- Newer and luxury vehicles cost more to insure
- Sedans and SUVs with safety features cost less
5. Credit Score
California does not allow credit score to be used in car insurance pricing.
6. Coverage Type
- Full coverage costs more than liability-only
- Higher limits = more protection and higher cost
7. Mileage
- Low-mileage drivers may qualify for discounts
- California insurers offer pay-per-mile insurance options
Cheapest Cars to Insure in California
Choosing the right vehicle can reduce your insurance costs.
| Car Model | Reason It’s Cheaper to Insure |
| Honda CR-V | Reliable, good safety ratings |
| Toyota Corolla | Low repair costs, not high-performance |
| Ford Escape | Popular with affordable replacement parts |
| Mazda CX-5 | Great crash test results |
| Subaru Outback | Strong safety features, AWD |
Avoid sports cars, luxury brands, and vehicles with custom modifications, as they cost more to insure.
How to Save Money on Car Insurance in California
Car insurance in California can be expensive, but there are ways to reduce your monthly premium.
1. Shop Around
Get quotes from multiple insurers. Rates vary by company.
2. Bundle Policies
Combine auto insurance with renters or homeowners insurance to unlock discounts.
3. Maintain a Clean Record
Avoid tickets and accidents to qualify for safe driver discounts.
4. Take a Defensive Driving Course
Certified courses may lower your rate.
5. Use Pay-Per-Mile Insurance
If you drive less than 10,000 miles per year, companies like Metromile and Allstate Milewise offer usage-based insurance.
6. Choose a Higher Deductible
Raising your deductible lowers your monthly payment — just make sure you can afford it if you file a claim.
7. Good Student Discount
Full-time students with a GPA of B or higher may get 10 to 20 percent off.
8. Vehicle Safety Discounts
Features like anti-lock brakes, airbags, and anti-theft systems may qualify for extra savings.
Comparison of Insurance Providers in California
Here are some popular car insurance companies with average monthly rates in California for full coverage:
| Company | Average Monthly Premium |
| Geico | $150 – $200 |
| Progressive | $160 – $220 |
| State Farm | $170 – $230 |
| Allstate | $180 – $240 |
| Mercury | $140 – $190 |
| AAA | $160 – $210 |
Always compare not just prices but also customer service ratings and claim satisfaction.
Is Car Insurance Mandatory in California?
Yes. You must show proof of financial responsibility to register and legally drive a car. Most people meet this requirement with a valid insurance policy.
If you drive without insurance:
- You could face fines of up to $500
- Your license may be suspended
- Your car could be impounded
You must also carry proof of insurance when driving and present it during traffic stops or accidents.
Frequently Asked Questions
No. California is an at-fault state. This means the driver who causes the accident is responsible for the damages.
Companies like Geico, Mercury, and Wawanesa often have the lowest rates, especially for good drivers.
Yes. The California Low-Cost Auto Insurance Program (CLCA) provides basic liability insurance for eligible low-income drivers. Learn more at www.mylowcostauto.com.
Yes. California allows undocumented immigrants to get a driver’s license under AB 60, and they can legally buy insurance.
It’s a good idea to compare quotes every 6 to 12 months, especially if:
- Your premium increases
- You buy a new car
- Your driving record improves
Final Thoughts
Car insurance in California costs an average of 150 to 220 dollars per month for full coverage, depending on your age, driving record, location, and vehicle. Although rates are high compared to other states, there are many ways to lower your premium — from choosing the right car and coverage to using discounts and pay-per-mile programs.
Whether you’re a new driver or looking to switch providers, it’s important to compare quotes and review your options. A small change in coverage or insurer can save you hundreds each year.
To compare personalized quotes from trusted providers, Alias Insurance makes it fast and free. Find affordable car insurance in California today and stay covered with confidence.
