Average Car Insurance Cost in California (2024)

Mile Auto offers the cheapest car insurance rates in California.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Brett Clendenen
Reviewed byBrett Clendenen
Brett Clendenen
Brett ClendenenReferral Team Assistant Manager
  • Licensed Property and Casualty Insurance agent

  • 13+ years of experience in the insurance industry

Brett has over a decade of experience specializing in home and auto insurance. Before Insurify, he was a licensed insurance agent with Answer Financial.

Updated December 18, 2024

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Cheapest recent car insurance quotes in California

Recent California car insurance prices for Dodge, Nissan, Toyota , and more.

*Quotes generated for Insurify users from California within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from California within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly car insurance premium in California is $277 for full coverage and $139 for liability-only coverage.

California’s average rates are lower than the average rates in some other large states, like Florida and Michigan. This is largely because the state's Department of Insurance hasn't approved auto insurance rate hikes since the start of the pandemic. But a large number of insurance companies have asked for state approval to begin increasing rates again.

To find the most affordable car insurance in California for your situation, it’s a good idea to shop around and compare quotes. See which insurance companies offer the cheapest auto insurance coverage to drivers in California.

Quick Facts
  • California is the most-populous state, with more than 331 million residents.

  • Bakersfield, California, has the cheapest liability-only coverage in the state.

  • Mercury offers the cheapest full-coverage insurance policies in California.

How much is car insurance in California?

California drivers pay an average of $277 per month for full-coverage insurance and $139 per month for minimum-coverage insurance, according to Insurify’s analysis of recent quote data. But car insurance rates can vary depending on your city, age, credit score, driving record, insurance company, and other factors.[1]

Find California Car Insurance

Rates start as low as $60/mo. for liability coverage

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Best Car Insurance in California (2024)

Best Car Insurance in California (2024)

How California car insurance rates have changed over time

The average yearly price for full-coverage car insurance in California rose to more than $2,500 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though not nearly as much as in California.

See how California car insurance prices have changed over the past two years below.

Average California Car Insurance Rates over the Past Two Years

Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.

Average California car insurance rates by city

Average California car insurance premiums differ among cities. A city’s population, accident rate, weather risks, and vehicle theft rates can all contribute to the cost of car insurance in the area.[1]

After reviewing state average rate data for various cities, Insurify found that Santa Rosa has the cheapest full-coverage rates and Bakersfield has the cheapest rates for liability-only coverage. Los Angeles and San Francisco have the highest average rates in the state.

The table below shows the average car insurance premiums from the cheapest insurers in some of the largest cities in California.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
City Name
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Santa BarbaraMile Auto$83$46
Santa MariaMile Auto$89$50
Chula VistaMile Auto$90$50
San DiegoMile Auto$95$53
BakersfieldMile Auto$97$54
FresnoMile Auto$99$55
TemeculaMile Auto$99$55
OxnardMile Auto$101$56
San JoseMile Auto$102$57
FremontMile Auto$102$57
BerkeleyMile Auto$103$57
Elk GroveMile Auto$103$57
RiversideMile Auto$104$58
StocktonMile Auto$107$59
ModestoMile Auto$110$61
Moreno ValleyMile Auto$112$62
Santa AnaMile Auto$112$62
VictorvilleMile Auto$113$63
AnaheimMile Auto$114$63
SacramentoMile Auto$115$64
Long BeachMile Auto$119$66
San BernardinoMile Auto$121$67
San FranciscoMile Auto$122$68
OaklandMile Auto$128$71
Santa BarbaraMercury$146$79
Los AngelesMile Auto$156$87
Santa MariaMercury$157$85
Chula VistaMercury$158$86
San DiegoMercury$168$91
BakersfieldMercury$171$93
FresnoMercury$174$94
TemeculaMercury$175$95
GlendaleMile Auto$176$98
Santa BarbaraSun Coast$176$72
OxnardMercury$177$96
San JoseMercury$180$98
FremontMercury$180$98
BerkeleyMercury$181$98
Elk GroveMercury$182$99
RiversideMercury$184$100
StocktonMercury$188$102
Santa MariaSun Coast$189$78
Chula VistaSun Coast$190$78
Santa BarbaraUSAA$191$94
ModestoMercury$194$105
Moreno ValleyMercury$196$106
Santa AnaMercury$197$107
VictorvilleMercury$198$107
AnaheimMercury$201$109
San DiegoSun Coast$202$83
SacramentoMercury$203$110
Santa MariaUSAA$205$101
BakersfieldSun Coast$206$85
Chula VistaUSAA$206$101
FresnoSun Coast$210$86
Long BeachMercury$210$114
TemeculaSun Coast$211$86
San BernardinoMercury$213$116
OxnardSun Coast$214$88
San FranciscoMercury$214$116
San JoseSun Coast$217$89
FremontSun Coast$217$89
BerkeleySun Coast$218$90
Elk GroveSun Coast$219$90
San DiegoUSAA$219$108
RiversideSun Coast$221$91
Santa BarbaraAnchor$221$83
BakersfieldUSAA$223$110
OaklandMercury$226$122
FresnoUSAA$227$112
StocktonSun Coast$227$93
TemeculaUSAA$228$112
OxnardUSAA$232$114
ModestoSun Coast$233$96
San JoseUSAA$235$116
FremontUSAA$235$116
BerkeleyUSAA$236$116
Moreno ValleySun Coast$237$97
Elk GroveUSAA$237$117
Santa AnaSun Coast$238$98
Santa MariaAnchor$238$89
Chula VistaAnchor$239$90
VictorvilleSun Coast$239$98
RiversideUSAA$240$118
AnaheimSun Coast$242$99
SacramentoSun Coast$244$100
StocktonUSAA$246$121
Long BeachSun Coast$253$104
ModestoUSAA$253$124
Santa BarbaraNational General$253$101
San DiegoAnchor$254$95
Santa BarbaraGEICO$254$125
Moreno ValleyUSAA$256$126
San BernardinoSun Coast$257$106
Santa AnaUSAA$257$127
San FranciscoSun Coast$258$106
BakersfieldAnchor$259$97
VictorvilleUSAA$259$127
AnaheimUSAA$262$129
Santa BarbaraAllstate$263$130
SacramentoUSAA$264$130
FresnoAnchor$264$99
TemeculaAnchor$265$99
OxnardAnchor$269$101
Santa BarbaraFarmers$271$134
OaklandSun Coast$272$112
Santa BarbaraDirect Auto$272$117
Santa MariaNational General$272$109
Chula VistaNational General$273$110
San JoseAnchor$273$102
Santa MariaGEICO$273$135
FremontAnchor$273$102
Long BeachUSAA$274$135
Los AngelesMercury$274$149
BerkeleyAnchor$274$103
Chula VistaGEICO$275$135
Elk GroveAnchor$276$103
RiversideAnchor$278$104
San BernardinoUSAA$278$137
San FranciscoUSAA$280$138
Santa MariaAllstate$282$140
Chula VistaAllstate$284$140
StocktonAnchor$285$107
San DiegoNational General$290$116
Santa MariaFarmers$291$144
Chula VistaFarmers$292$144
San DiegoGEICO$292$144
Santa MariaDirect Auto$292$125
ModestoAnchor$293$110
Santa BarbaraState Farm$293$145
Chula VistaDirect Auto$294$126
OaklandUSAA$295$145
BakersfieldNational General$296$119
Moreno ValleyAnchor$298$112
BakersfieldGEICO$298$147
Santa AnaAnchor$299$112
VictorvilleAnchor$300$113
FresnoNational General$301$121
San DiegoAllstate$302$149
FresnoGEICO$303$149
TemeculaNational General$303$121
AnaheimAnchor$304$114
TemeculaGEICO$304$150
OxnardNational General$307$123
SacramentoAnchor$307$115
BakersfieldAllstate$308$152
Santa BarbaraTravelers$308$151
GlendaleMercury$309$168
OxnardGEICO$309$152
San DiegoFarmers$310$153
San DiegoDirect Auto$312$134
San JoseNational General$312$125
FremontNational General$312$125
BerkeleyNational General$313$126
FresnoAllstate$313$155
San JoseGEICO$314$155
FremontGEICO$314$155
BerkeleyGEICO$315$155
Elk GroveNational General$315$126
Santa MariaState Farm$315$155
TemeculaAllstate$315$155
Chula VistaState Farm$316$156
BakersfieldFarmers$317$157
Elk GroveGEICO$317$156
Santa BarbaraBristol West$317$177
Long BeachAnchor$318$119
RiversideNational General$318$128
OxnardAllstate$319$158
BakersfieldDirect Auto$319$137
RiversideGEICO$320$158
FresnoFarmers$322$159
San BernardinoAnchor$323$121
San JoseAllstate$324$160
TemeculaFarmers$324$160
FremontAllstate$324$160
FresnoDirect Auto$324$139
San FranciscoAnchor$325$122
BerkeleyAllstate$326$161
StocktonNational General$326$131
TemeculaDirect Auto$326$140
Elk GroveAllstate$327$162
StocktonGEICO$328$161
OxnardFarmers$329$163
Los AngelesSun Coast$331$136
OxnardDirect Auto$331$142
RiversideAllstate$331$163
Santa MariaTravelers$331$163
Chula VistaTravelers$333$164
San JoseFarmers$334$165
FremontFarmers$334$165
ModestoNational General$335$134
BerkeleyFarmers$335$166
Santa Barbara21st Century$335$165
San DiegoState Farm$336$166
San JoseDirect Auto$336$144
FremontDirect Auto$336$144
ModestoGEICO$337$166
BerkeleyDirect Auto$337$145
Elk GroveFarmers$337$167
Elk GroveDirect Auto$339$146
StocktonAllstate$339$167
Moreno ValleyNational General$340$136
RiversideFarmers$340$168
Santa MariaBristol West$340$190
Santa AnaNational General$341$137
Moreno ValleyGEICO$342$168
OaklandAnchor$342$128
RiversideDirect Auto$342$147
Chula VistaBristol West$342$191
BakersfieldState Farm$343$169
Santa AnaGEICO$343$169
VictorvilleNational General$343$138
VictorvilleGEICO$345$170
ModestoAllstate$348$172
AnaheimNational General$348$139
FresnoState Farm$349$172
StocktonFarmers$349$172
AnaheimGEICO$350$172
TemeculaState Farm$350$173
SacramentoNational General$351$141
StocktonDirect Auto$351$151
Moreno ValleyAllstate$353$175
SacramentoGEICO$353$174
San DiegoTravelers$354$174
Santa AnaAllstate$355$175
OxnardState Farm$356$176
VictorvilleAllstate$357$176
Los AngelesUSAA$358$176
ModestoFarmers$359$177
Santa Maria21st Century$360$177
ModestoDirect Auto$361$155
AnaheimAllstate$361$179
BakersfieldTravelers$361$177
San JoseState Farm$361$178
FremontState Farm$361$178
Chula Vista21st Century$362$178
Long BeachNational General$363$146
BerkeleyState Farm$363$179
San DiegoBristol West$363$203
Moreno ValleyFarmers$364$180
Long BeachGEICO$365$180
Elk GroveState Farm$365$180
SacramentoAllstate$365$180
Santa AnaFarmers$365$181
Moreno ValleyDirect Auto$366$157
FresnoTravelers$367$180
Santa AnaDirect Auto$367$158
VictorvilleFarmers$367$181
RiversideState Farm$368$182
San BernardinoNational General$369$148
TemeculaTravelers$369$181
VictorvilleDirect Auto$369$158
BakersfieldBristol West$371$207
San FranciscoNational General$371$149
AnaheimFarmers$372$184
San BernardinoGEICO$372$183
GlendaleSun Coast$373$153
San FranciscoGEICO$373$184
AnaheimDirect Auto$374$161
OxnardTravelers$375$184
SacramentoFarmers$375$185
Long BeachAllstate$377$187
SacramentoDirect Auto$377$162
StocktonState Farm$377$186
FresnoBristol West$377$210
TemeculaBristol West$379$212
San JoseTravelers$380$187
FremontTravelers$380$187
BerkeleyTravelers$382$188
San BernardinoAllstate$384$190
Elk GroveTravelers$384$189
OxnardBristol West$385$215
San Diego21st Century$385$190
San FranciscoAllstate$386$191
ModestoState Farm$388$192
RiversideTravelers$388$190
Long BeachFarmers$389$192
Long BeachDirect Auto$391$168
OaklandNational General$391$157
San JoseBristol West$391$218
FremontBristol West$391$218
OaklandGEICO$393$194
Bakersfield21st Century$393$194
BerkeleyBristol West$393$219
Moreno ValleyState Farm$394$194
Elk GroveBristol West$395$220
San BernardinoFarmers$395$195
Santa AnaState Farm$395$195
San BernardinoDirect Auto$397$171
San FranciscoFarmers$397$196
StocktonTravelers$397$195
VictorvilleState Farm$397$196
RiversideBristol West$398$222
San FranciscoDirect Auto$399$171
Fresno21st Century$399$197
Temecula21st Century$401$198
AnaheimState Farm$403$199
GlendaleUSAA$404$199
SacramentoState Farm$406$200
OaklandAllstate$407$201
Oxnard21st Century$407$201
StocktonBristol West$408$228
ModestoTravelers$409$201
San Jose21st Century$413$204
Fremont21st Century$413$204
Moreno ValleyTravelers$414$204
Santa BarbaraNationwide$414$204
Berkeley21st Century$415$205
Los AngelesAnchor$416$156
Santa AnaTravelers$416$204
Elk Grove21st Century$417$206
OaklandFarmers$418$207
VictorvilleTravelers$418$205
ModestoBristol West$420$234
Long BeachState Farm$421$208
OaklandDirect Auto$421$181
Riverside21st Century$422$208
AnaheimTravelers$424$208
Moreno ValleyBristol West$426$238
SacramentoTravelers$427$210
San BernardinoState Farm$428$211
Santa AnaBristol West$428$239
VictorvilleBristol West$429$240
San FranciscoState Farm$430$212
Stockton21st Century$432$213
AnaheimBristol West$435$243
SacramentoBristol West$439$245
Long BeachTravelers$443$217
Modesto21st Century$444$219
Santa MariaNationwide$444$219
Chula VistaNationwide$447$220
Moreno Valley21st Century$450$222
San BernardinoTravelers$450$221
San FranciscoTravelers$452$222
Santa Ana21st Century$452$223
OaklandState Farm$453$223
Long BeachBristol West$455$254
Victorville21st Century$455$224
Anaheim21st Century$461$227
San BernardinoBristol West$463$258
San FranciscoBristol West$464$259
Sacramento21st Century$465$229
GlendaleAnchor$469$176
Los AngelesNational General$475$191
San DiegoNationwide$475$234
OaklandTravelers$477$234
Los AngelesGEICO$478$235
Long Beach21st Century$481$237
BakersfieldNationwide$485$239
San Bernardino21st Century$489$241
OaklandBristol West$490$273
FresnoNationwide$492$243
San Francisco21st Century$492$242
Los AngelesAllstate$494$244
TemeculaNationwide$495$244
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average California car insurance rates by insurance company

When shopping for insurance, you should compare car insurance quotes from multiple insurers. Every insurance company charges different rates, even for the same types and amounts of coverage.

Based on average rate data, Insurify found that Mile Auto has the cheapest car insurance rates in California. But drivers in the Golden State can also find low rates with the second- and third-cheapest options, Sun Coast and Mercury.

The table below compiles the average premiums from insurance companies in the state.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Full Coverage
Liability Only
Mercury$192$106
Sun Coast$235$95
USAA$247$123
Anchor$288$108
GEICO$328$163
National General$330$132
Allstate$340$169
Direct Auto$347$150
Farmers$350$174
State Farm$379$188
Travelers$398$198
Bristol West$404$223
21st Century$434$215
Nationwide$534$265
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: The 10 Cheapest Car Insurance Companies

Learn More: The 10 Cheapest Car Insurance Companies

Average California car insurance rates by age

Auto insurance rates in the Golden State are personalized based on many factors, including your age.[1]

“Insurance companies consider young drivers to be high-risk due to their lack of experience on the road,” says John Espenschied, owner of Insurance Brokers Group, which serves customers in California. Insurify data shows that drivers younger than 25 pay the most expensive rates.

For most drivers, insurance premiums get cheaper as they get older. For example, in California, the overall average premium for teen drivers is $341 per month, and the average rate for senior drivers is $183. However, drivers may see their rates increase again around age 70.

Here are the average liability car insurance premiums for California drivers, based on age, from some top insurers in the Golden State.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
25 and Younger
Middle Aged Drivers
Senior Drivers
GEICO$312$134$108
Allstate$361$138$113
Nationwide$553$192$154
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Car Insurance by Age and Gender

Compare Car Insurance by Age and Gender

Cheapest recent car insurance quotes in California

Recent California car insurance prices for Volkswagen, Subaru, Buick , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Average California car insurance rates by gender

In 2019, California passed the Gender Non-Discrimination in Automobile Insurance Rating Regulation, which prohibits car insurance companies from using gender as a factor in determining auto insurance premiums.[2] In many other states, gender can affect the cost of car insurance due to specific risk differences between male and female drivers.

Average California car insurance rates by marital status

Married drivers often get more affordable car insurance premiums than single drivers. Couples who combine their car insurance policies can usually qualify for multi-vehicle discounts. Married drivers in California pay about $40 less per month than single drivers for full-coverage insurance, according to Insurify data.

The table below shows the average full-coverage and minimum-coverage rates for single and married drivers in California.

Marital Status
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Married$238$110
Single$277$134
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average California car insurance rates by driving record

Your driving record can have a significant effect on your car insurance premium.[3] Californians with a clean driving record usually pay a lower rate than drivers with a history of certain violations, like at-fault accidents.

However, the rate increase depends on the severity of the violation. For example, Insurify found that the average full-coverage rate for California drivers with an accident is $337 per month, while the monthly average for drivers with a clean record is only $277.

Getting a DUI will almost certainly increase your premiums. On average, California drivers with a DUI conviction pay $541 for full-coverage insurance — $269 higher than the average rate for a driver with no violations.

The table below shows the average liability-only auto insurance rates in California based on driving record.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Record
Speeding Ticket
At-Fault Accident
DUI
Mile Auto$60$75$77$92
USAA$123$153$153$188
National General$132$165$164$202
GEICO$163$203$203$250
Allstate$169$210$210$259
State Farm$188$231$232$288
Nationwide$265$333$333$406
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average California car insurance rates by credit score

In California, car insurance companies are prohibited from using credit-based insurance scores, so your credit score won’t directly affect your insurance premiums.[4] However, other rating factors, like age and driving record, could have a greater effect on the cost of your car insurance policy.

Car Insurance Rates by Credit Tier

Car Insurance Rates by Credit Tier

California minimum car insurance requirements

Car insurance is a legal requirement in California. If you own a vehicle, you must meet the state’s coverage requirements to register it and legally drive.

State lawmakers approved an increase in coverage limits, which will take effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[5]

Coverage
2024 Coverage Limits
2025 Coverage Limits
Bodily injury liability$15,000 per person / $30,000 per accident$30,000 per person / $60,000 per accident
Property damage liability$5,000 per accident$15,000 per accident

California requires insurance companies to offer uninsured and underinsured motorist insurance when you purchase a policy. But you can decline this coverage if you don’t want it.[6]

Find California Car Insurance

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California car insurance FAQs

Here are answers to some commonly asked questions about car insurance in California.

  • What is the average cost of car insurance in California?

    In California, the average car insurance premium is $277 per month for full coverage and $139 per month for minimum coverage. That’s $3,319 per year for full coverage and $1,663 per year for minimum coverage.

  • What factors affect car insurance costs in California?

    Car insurance premiums in California depend on various personal factors. Your ZIP code, driving record, and age can affect your premium, as well as your vehicle type, coverage limits, and deductible.[1] The insurance company you choose may also affect the cost of your coverage. Keep in mind that insurance companies can’t use gender and credit score to determine auto insurance premiums in California.

  • Do car insurance rates vary by county in California?

    Location-specific risks, like accident and vehicle theft rates, can affect your car insurance rates. Furthermore, California counties that are more likely to experience earthquakes or wildfires could have higher premiums.

  • What are the best auto insurance companies in California?

    Some of the best car insurance companies in California are Clearcover, Safeco, and Travelers. But the best auto insurance company is different for every driver, depending on your location, coverage needs, and budget. Before you buy a policy, you should shop around, research several companies, and compare quotes to find the cheapest car insurance.

  • Is car insurance required in California?

    Yes, car insurance is a legal requirement in California. The minimum requirements in California are $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage.[5]

    For more protection, however, you might purchase higher coverage limits or get a full-coverage policy, which includes collision, comprehensive, medical payments, and liability insurance.

Sources

  1. III. "What determines the price of an auto insurance policy?."
  2. California Department of Insurance. "Commissioner issues regulations prohibiting gender discrimination in automobile insurance rates."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. NAIC. "Credit-Based Insurance Scores."
  5. California DMV. "Auto Insurance Requirements."
  6. California Department of Insurance. "Automobile Insurance Information Guide."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Brett Clendenen
Reviewed byBrett ClendenenReferral Team Assistant Manager
Brett Clendenen
Brett ClendenenReferral Team Assistant Manager
  • Licensed Property and Casualty Insurance agent

  • 13+ years of experience in the insurance industry

Brett has over a decade of experience specializing in home and auto insurance. Before Insurify, he was a licensed insurance agent with Answer Financial.

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