Cheapest Auto Insurance in California (2026)

California’s high cost of living, big cities, and exposure to natural disasters like earthquakes and wildfires may have you thinking car insurance is costly there, too. But California’s car insurance rates are competitive with national averages.

In fact, California’s average cost of full coverage actually fell by 8% in 2025, according to Insurify’s Insuring the American Driver report.

California drivers pay an average of $191 per month for full-coverage car insurance. Minimum-coverage policies average $92 monthly. By comparison, the national averages are $174 monthly for full coverage and $99 for liability only.

Here’s what you need to know to compare the cheapest car insurance companies in California.

6 of the cheapest car insurance companies in California

The insurers below are some of the best car insurance companies in California.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $152/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $113/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $208/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $65/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $136/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $130/mo*
Overall rating 4.0 7,284 reviews	Overall rating 4.3 531 reviews	Overall rating 4.0 7,006 reviews	Overall rating 4.3 145 reviews	Overall rating 4.9 1,442 reviews	Overall rating 3.2 7,961 reviews
Value for money 3.8/5	Value for money 3.8/5	Value for money 3.7/5	Value for money 3.4/5	Value for money 4.9/5	Value for money 3.1/5
Customer service 4.0/5	Customer service 4.0/5	Customer service 4.2/5	Customer service 3.5/5	Customer service 4.8/5	Customer service 3.3/5
Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.0/5	Claims handling 4.9/5	Claims handling 3.3/5
Special highlight AI-generated from 7284 user reviews Teen drivers	Special highlight AI-generated from 531 user reviews Cash back for being claims free	Special highlight AI-generated from 7006 user reviews Customer service	Special highlight AI-generated from 145 user reviews Cheap rates	Special highlight AI-generated from 1442 user reviews Members of the military community	Special highlight AI-generated from 7961 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Finding the best car insurance in California is about balancing cost with coverage and looking for discounts to help you save. GEICO, Safeco, and State Farm are some of Insurify’s top picks for California drivers.

GEICO

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User Reviews	4.0 7,284 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$103/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$201/mo

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Driver Reviews

4.0

Best choiceBased on 15,067 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (7,284)

Mary

Verified Review

Geico Best Rates in Connecticut

Reviewed in Connecticut on February 10, 2026

Geico still has the best rates in Connecticut.

Sherry

Verified Review

Worst price after 10 years of paying

Reviewed in Ohio on February 10, 2026

I was with them for over 10 years. No claims, never missed a payment. No accidents, tickets, nothing in 40 years of driving. I was paying twice the amount I should have been paying. When I called to cancel, they said they would match the new company's rate. Why didn't they automatically adjust my payment to the best rate? Why is the customer supposed to review the price every 6 months?

Dannyj

Verified Review

Excellent

Reviewed in South Carolina on February 10, 2026

I've been with them for over 10 years. I wish it was cheaper, but it is what it is.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

626

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO is one of the largest car insurance companies in the U.S., and it offers some of the cheapest rates in California. Drivers can also save with discounts, including those for customer loyalty, safe driving, and installing safety features in their vehicles. But if you drive for a rideshare company, you’ll need to look elsewhere for coverage.

Pros

• Offers accident forgiveness coverage

• A++ (Superior) financial strength rating from AM Best

Cons

• Below-average J.D. Power customer satisfaction rating in California

• Doesn’t offer gap insurance or rideshare insurance

Safeco

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User Reviews	4.3 531 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$86/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$140/mo

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Driver Reviews

4.3

Best choiceBased on 988 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (531)

Linda

Verified Review

Raising Prices Too High

Reviewed in New Hampshire on February 6, 2026

It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.

Jon

Verified Review

Shop around

Reviewed in California on February 4, 2026

Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.

Patrick

Verified Review

Poor Business Practice

Reviewed in Michigan on January 30, 2026

The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

634

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Safeco is another affordable insurer in California. In addition to standard car insurance coverages, you can choose several add-ons, including new vehicle replacement, rental car reimbursement, and roadside assistance. But you won’t be able to get rideshare coverage from this insurer in California.

Pros

• Many local agents in California

• Offers accident forgiveness coverage

Cons

• Doesn’t offer rideshare insurance in California

• Below-average J.D. Power customer satisfaction rating in California

State Farm

Compare Quotes

User Reviews	4.0 7,006 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$128/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$288/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 14,780 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (7,006)

Christopher

Verified Review

What's Going On At State Farm?

Reviewed in Ohio on February 10, 2026

Something is going on with State Farm. They used to be on the ball, but now they are missing things. Our car was totaled, yet they did not refund the remainder of our unused premium. We still had $500 for rental car expenses, yet they made us pay for the last 3 days even though we were still waiting for the settlement check they snail-mailed us.

Raul

Verified Review

Better price for good drivers

Reviewed in Texas on February 10, 2026

It's good, but the premium is too high and they don’t give discounts, just increments.

Anna

Verified Review

Not Senior Friendly

Reviewed in Arizona on February 10, 2026

Premiums are way too high for senior citizens. Agents don’t offer any kind of discounts or advice on how to lower your premium.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

658

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest insurance company in the U.S. by market share, and it offers relatively competitive rates in California. J.D. Power rates it highly for customer and claims satisfaction, and drivers can save on their premiums with discounts for safe driving, bundling policies, and installing anti-theft features in their vehicles.

Pros

• Above-average J.D. Power customer satisfaction rating in California

• Long-standing history in the insurance industry

Cons

• Not as many discounts as some insurers

• Can’t finalize a quote online; must work with an agent

Calculate how much your California car insurance might cost

See how much you might pay for a California car insurance policy using the calculator below.

How to get the cheapest car insurance in California

Your specific needs and circumstances can influence which insurance company is the cheapest for you. Insurers consider several factors to determine your premium, including your age, driving record, type of car, and the city where you live.^[1]

Here are a few tips to help you find the most affordable car insurance in California:

• Keep a clean driving record. At-fault accidents and traffic violations can raise your premiums, so safe driving can lead to significant savings.

• Take advantage of discounts. Car insurance discounts for safe driving, for bundling policies, or even for driving a hybrid or electric car can cut down your car insurance quote.

• Increase your deductible. While you’ll pay more out of pocket if you file a claim, a higher deductible can lower your monthly premium significantly.

• Shop around. Comparing quotes from multiple insurers is essential because rates can vary quite a bit from one company to the next.

California’s low-cost auto insurance plan

California’s Low Cost Automobile Insurance program (CLCA) helps low-income drivers find affordable car insurance amid rising rates. Car insurance through the CLCA costs $232 to $932 per year. To be eligible for the program, you must:

• Have a valid California driver’s license

• Meet income eligibility requirements

• Own a vehicle valued at $25,000 or less

• Be at least 16 years old

• Have a good driving record or be a new driver

The low-cost auto insurance program helps drivers meet California’s minimum liability requirements, but you can add medical payments and uninsured/underinsured motorist coverage for $37 to $107 per year. Yous can apply for the program online at MyLowCostAuto.com.

California car insurance rates over time

California’s full-coverage rates started 2025 at a high of $2,589, before steadily declining throughout the year, Insurify data shows. Although rates declined 8% by the end of 2025, they’re still 53% higher than they were in 2021.

Nationally, rates fell 6% in 2025, and Insurify data scientists project they’ll tick back up a modest 0.6% in 2026. But California is among a handful of states that will likely see a bigger increase of 1% by the end of the year, according to the Insuring the American Driver report.

Insurify’s proprietary data provides insight into how California’s full-coverage car insurance rates have changed every year since 2021.

Cheapest liability-only car insurance quotes in California: USAA

“Liability-only car insurance coverage pays for the policyholder’s legal responsibility to others for bodily injury or property damage,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. It doesn’t cover repairs or medical expenses for you or your vehicle.

Because it covers so little compared to other policy types, liability insurance is usually the cheapest type of car insurance available. On average, liability insurance in California costs $92 per month.

The table below highlights some of the cheapest liability-only car insurance companies in California.

The below rates in California are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$83
National General	$88
Sun Coast	$91
Dairyland	$94
Mercury	$99
GEICO	$103
Root	$106
Allstate	$115
Direct Auto	$118
Farmers	$118
Anchor	$119
Bristol West	$121
State Farm	$128
Travelers	$134
21st Century	$146
Nationwide	$180
Chubb	$228

Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in California: Root

A liability-only policy covers damages and injuries to others in an accident you cause, but full-coverage insurance also includes protection for your vehicle. Full coverage is generally the better choice if you drive a newer or more valuable car. It includes comprehensive coverage, which pays for damage from theft, vandalism, and natural disasters, and collision coverage, which pays for car damages from an accident, even if you’re at fault.

California drivers pay $191 on average for full-coverage insurance. Here’s a look at some of the cheapest auto insurance companies for full coverage in California:

The below rates in California are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Root	$184
USAA	$188
Mercury	$191
GEICO	$201
Anchor	$204
Sun Coast	$228
Dairyland	$235
Allstate	$259
National General	$259
Farmers	$266
Bristol West	$281
State Farm	$288
Travelers	$303
Direct Auto	$311
21st Century	$330
Nationwide	$406
Chubb	$514

Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer's unique driver profile.

Car insurance requirements in California

California is an at-fault state for car insurance. But it uses “comparative negligence,” so each driver can end up shouldering part of the blame. For instance, if you sue another driver for causing an accident, the court may find that you’re 15% at fault because you were driving a little too fast at the time. In this case, you could only collect 85% of the damages.^{[2] [3]}

If you plan to drive in California, you must have auto insurance that meets the state’s minimum liability requirements. State lawmakers approved an increase in coverage limits, which took effect Jan. 1, 2025. Here’s the new minimum coverage you need in California:^[4]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$15,000

For more protection, California auto insurance companies have several optional insurance coverages you can buy:

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage protects you in case of an accident with a driver who doesn’t have insurance or has insufficient coverage.

• 

  Medical payments coverage

  Medical payments coverage helps pay for medical expenses resulting from an accident, regardless of fault.

• 

  Collision coverage

  Collision insurance covers the cost of repairing or replacing your vehicle if it collides with another car or object.

• 

  Comprehensive coverage

  Comprehensive insurance protects against non-collision incidents, like theft, vandalism, fire, and natural disasters.

• 

  Custom equipment coverage

  This coverage protects aftermarket additions or modifications you make to your vehicle, such as stereos, custom wheels, or navigation systems.

• 

  Towing and roadside assistance coverage

  Roadside assistance coverage pays for help during breakdowns, providing towing, tire changes, and fuel-delivery services.

• 

  Rental reimbursement coverage

  Rental reimbursement coverage helps offset the cost of a rental car while your car is in the shop due to a covered claim.

• 

  Gap coverage

  Gap insurance pays the difference between the actual cash value and the outstanding balance you owe on a car lease or loan if your car is totaled.

Cheapest car insurance quotes for CA drivers with an incident

Car insurance companies see you as a high-risk driver if your history includes incidents like at-fault accidents, speeding tickets, or DUIs. Higher risk can lead to higher rates for car insurance. For instance, California drivers with a DUI pay nearly double what drivers with a clean record pay.

Find Cheap Car Insurance in California

Liability rates start at $83 per month

Enter your ZIP codeView My Quotes

Excellent

4.7 out of 5 based on 11,736 reviews

Secure. Free. Easy-to-use.

Cheapest car insurance quotes for drivers with a speeding ticket: USAA

Despite the higher risk, several insurers in California offer competitive rates for drivers with speeding tickets on their records. California drivers with speeding tickets pay an average of $115 per month for liability insurance compared to drivers with a clean record, who pay $92.

The table below shows a price comparison between having a clean record and having a ticket from popular insurers.

The below rates in California are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Record	Avg. Quote With Speeding Ticket
USAA	$83	$107
National General	$88	$109
Sun Coast	$91	$114
Dairyland	$94	$117
Mercury	$99	$138
GEICO	$103	$134
Root	$106	$141
Allstate	$115	$150
Direct Auto	$118	$148
Farmers	$118	$151
Anchor	$119	$148
Bristol West	$121	$152
State Farm	$128	$162
Travelers	$134	$174
21st Century	$146	$192
Nationwide	$180	$233
Chubb	$228	$289

Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: USAA

Accidents happen. A fender bender or more serious crash can cause your premiums to rise for at least three years, but it doesn’t mean you’ll never get affordable coverage again.^[5]

On average, California drivers with an at-fault accident on their record pay $114 per month for liability coverage.

Consider starting your search for coverage after an at-fault accident with policies from the following California auto insurers:

The below rates in California are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Record	Avg. Quote With At-Fault Accident
USAA	$83	$108
National General	$88	$113
Sun Coast	$91	$113
Dairyland	$94	$120
Mercury	$99	$145
GEICO	$103	$129
Root	$106	$137
Allstate	$115	$149
Direct Auto	$118	$156
Farmers	$118	$152
Anchor	$119	$151
Bristol West	$121	$154
State Farm	$128	$163
Travelers	$134	$174
21st Century	$146	$192
Nationwide	$180	$234
Chubb	$228	$292

Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: USAA

Getting cheap car insurance in California can be difficult if you have a DUI. Fortunately, several companies specialize in high-risk coverage, offering competitive rates if you have a DUI on your driving record or need to have your insurer file an SR-22 in California.

Drivers with DUIs on their record in California pay an average of $118 per month for liability insurance. To help get a lower rate, ask for car insurance discounts and consider telematics programs to demonstrate your commitment to safer driving habits.

The below rates in California are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Record	Avg. Quote With DUI
USAA	$83	$115
National General	$88	$122
Sun Coast	$91	$117
Dairyland	$94	$130
Mercury	$99	$143
GEICO	$103	$141
Root	$106	$147
Allstate	$115	$159
Direct Auto	$118	$163
Farmers	$118	$163
Anchor	$119	$164
Bristol West	$121	$168
State Farm	$128	$177
Travelers	$134	$186
21st Century	$146	$189
Nationwide	$180	$249
Chubb	$228	$316

Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: USAA

Car insurance costs tend to decrease around age 25 due to having more experience and a generally lower likelihood of risky behavior. Senior drivers generally pay low rates, averaging $82 per month for liability policies in California.

But seniors face rising rates at around age 70 due to higher risk. Fatal crash rates jump significantly around ages 70–74, according to the Insurance Institute for Highway Safety (IIHS).^[6]

Here are the cheapest California car insurance companies for senior drivers:

The below rates in California are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$69	$155
National General	$71	$208
Dairyland	$81	$204
Sun Coast	$81	$203
Mercury	$81	$156
GEICO	$83	$163
Root	$90	$157
Allstate	$95	$214
Farmers	$95	$215
Direct Auto	$97	$255
Anchor	$99	$169
Bristol West	$102	$238
State Farm	$103	$231
Travelers	$109	$247
21st Century	$117	$265
Nationwide	$141	$317
Chubb	$176	$396

Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer's unique driver profile.

Shop for California Car Insurance

Liability rates for seniors average $82 per month

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Excellent

4.7 out of 5 based on 11,736 reviews

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Cheapest car insurance quotes for teens: USAA

Auto insurance rates for teen drivers tend to be significantly higher than those for adults due to limited driving experience and higher accident risks. In general, graduated licensing programs cause fatal crash rates to decrease over time, but they remain nearly two times higher than for drivers ages 20 and older, according to the IIHS.^[7]

California teens pay high rates, at an average of $170 per month for liability coverage. To make coverage costs more affordable, consider staying on your parents’ policy and driving a safe, reliable, older vehicle. If you maintain good grades, you may qualify for a good student discount that can get you even lower rates.

The below rates in California are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$155	$351
Dairyland	$160	$400
Sun Coast	$168	$422
National General	$180	$529
Root	$185	$322
Mercury	$185	$357
GEICO	$187	$364
Anchor	$209	$359
Bristol West	$218	$507
Allstate	$230	$517
Direct Auto	$230	$607
Farmers	$237	$533
State Farm	$250	$563
21st Century	$266	$601
Travelers	$280	$634
Nationwide	$355	$801
Chubb	$477	$1,074

Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer's unique driver profile.

Car insurance rates across California cities

Where you live in California has a big impact on your car insurance rates. This is because insurance companies take into account the number of claims filed in your area when setting car insurance rates. The higher number of claims in an area translates into higher risk for the insurance company, which ultimately means higher rates for the drivers in that city.

Check out the table below to see the average car insurance rates for cities across California. 

California car insurance FAQs