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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.
Mile Auto offers the cheapest full-coverage insurance policies in California.
How much is car insurance in California?
California drivers pay an average of $232 per month for full-coverage insurance and $119 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 $64/mo. for liability coverage
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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 forliability-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: Thursday, March 14 at 12:00 PM PDT.
City Name
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Temecula
Mile Auto
90
49
Santa Maria
Mile Auto
97
52
Santa Barbara
Mile Auto
99
54
San Diego
Mile Auto
101
55
Elk Grove
Mile Auto
102
55
Chula Vista
Mile Auto
103
56
Temecula
Clearcover
103
49
Bakersfield
Mile Auto
110
60
Santa Maria
Clearcover
110
52
Fresno
Mile Auto
112
61
Santa Barbara
Clearcover
113
54
San Diego
Clearcover
115
55
Elk Grove
Clearcover
116
55
Oakland
Mile Auto
116
63
Temecula
Mercury
116
62
Chula Vista
Clearcover
118
56
Fremont
Mile Auto
118
64
Long Beach
Mile Auto
118
64
Victorville
Mile Auto
118
64
Temecula
Sun Coast
119
53
Modesto
Mile Auto
120
65
San Jose
Mile Auto
120
65
Stockton
Mile Auto
123
67
Moreno Valley
Mile Auto
124
67
San Francisco
Mile Auto
124
67
Santa Maria
Mercury
125
67
Bakersfield
Clearcover
126
60
Riverside
Mile Auto
126
68
Berkeley
Mile Auto
127
69
Santa Maria
Sun Coast
127
57
Temecula
Safeco
127
74
Fresno
Clearcover
128
61
Santa Barbara
Mercury
128
68
San Diego
Mercury
130
70
Santa Barbara
Sun Coast
130
58
Elk Grove
Mercury
131
70
Oxnard
Mile Auto
132
71
Sacramento
Mile Auto
132
72
San Bernardino
Mile Auto
132
72
Chula Vista
Mercury
133
71
Oakland
Clearcover
133
63
San Diego
Sun Coast
133
60
Elk Grove
Sun Coast
134
60
Fremont
Clearcover
134
64
Long Beach
Clearcover
134
64
Santa Ana
Mile Auto
134
73
Victorville
Clearcover
134
64
Chula Vista
Sun Coast
136
61
Santa Maria
Safeco
136
79
Anaheim
Mile Auto
137
74
Modesto
Clearcover
137
65
San Jose
Clearcover
137
65
Santa Barbara
Safeco
139
81
Stockton
Clearcover
140
67
Temecula
Anchor
140
68
San Francisco
Clearcover
141
67
Moreno Valley
Clearcover
142
67
San Diego
Safeco
142
82
Bakersfield
Mercury
143
76
Elk Grove
Safeco
143
83
Riverside
Clearcover
144
68
Bakersfield
Sun Coast
145
65
Berkeley
Clearcover
145
69
Chula Vista
Safeco
145
84
Fresno
Mercury
145
77
Fresno
Sun Coast
147
66
Oakland
Mercury
150
80
Oxnard
Clearcover
150
71
Santa Maria
Anchor
150
72
Sacramento
Clearcover
151
72
San Bernardino
Clearcover
151
72
Fremont
Mercury
152
81
Long Beach
Mercury
152
81
Victorville
Mercury
152
81
Oakland
Sun Coast
153
69
Santa Ana
Clearcover
153
73
Santa Barbara
Anchor
153
74
Fremont
Sun Coast
155
70
Long Beach
Sun Coast
155
70
Modesto
Mercury
155
83
San Jose
Mercury
155
83
Victorville
Sun Coast
155
70
Anaheim
Clearcover
156
74
Bakersfield
Safeco
156
90
Los Angeles
Mile Auto
156
84
San Diego
Anchor
157
76
Elk Grove
Anchor
158
76
Fresno
Safeco
158
91
Modesto
Sun Coast
158
71
San Jose
Sun Coast
158
71
Temecula
USAA
158
74
Stockton
Mercury
159
85
Chula Vista
Anchor
160
77
San Francisco
Mercury
160
86
Moreno Valley
Mercury
161
86
Stockton
Sun Coast
162
73
Riverside
Mercury
163
87
San Francisco
Sun Coast
163
73
Berkeley
Mercury
164
88
Moreno Valley
Sun Coast
164
74
Oakland
Safeco
164
95
Fremont
Safeco
166
96
Long Beach
Safeco
166
96
Riverside
Sun Coast
166
74
Victorville
Safeco
166
96
Berkeley
Sun Coast
167
75
Modesto
Safeco
169
98
San Jose
Safeco
169
98
Santa Maria
USAA
169
80
Oxnard
Mercury
170
91
Bakersfield
Anchor
171
83
Sacramento
Mercury
171
92
San Bernardino
Mercury
171
92
Oxnard
Sun Coast
173
78
Santa Ana
Mercury
173
93
Santa Barbara
USAA
173
81
Stockton
Safeco
173
100
Fresno
Anchor
174
84
Sacramento
Sun Coast
174
78
San Bernardino
Sun Coast
174
78
San Francisco
Safeco
174
101
Moreno Valley
Safeco
175
102
Santa Ana
Sun Coast
176
79
Anaheim
Mercury
177
95
Riverside
Safeco
177
103
San Diego
USAA
177
83
Berkeley
Safeco
178
103
Elk Grove
USAA
178
84
Los Angeles
Clearcover
178
84
Anaheim
Sun Coast
180
81
Oakland
Anchor
180
87
Chula Vista
USAA
181
85
Temecula
National General
182
91
Fremont
Anchor
183
88
Long Beach
Anchor
183
88
Victorville
Anchor
183
88
Glendale
Mile Auto
184
100
Oxnard
Safeco
185
108
Modesto
Anchor
186
90
San Jose
Anchor
186
90
Sacramento
Safeco
187
108
San Bernardino
Safeco
187
108
Santa Ana
Safeco
189
109
Stockton
Anchor
191
92
San Francisco
Anchor
192
93
Anaheim
Safeco
193
112
Bakersfield
USAA
193
91
Moreno Valley
Anchor
193
93
Riverside
Anchor
195
94
Santa Maria
National General
195
97
Berkeley
Anchor
196
95
Fresno
USAA
196
92
Santa Barbara
National General
199
100
Temecula
Dairyland
200
86
Los Angeles
Mercury
201
108
Oakland
USAA
204
96
Oxnard
Anchor
204
99
San Diego
National General
204
102
Elk Grove
National General
205
103
Los Angeles
Sun Coast
205
92
Sacramento
Anchor
205
99
San Bernardino
Anchor
205
99
Fremont
USAA
206
97
Long Beach
USAA
206
97
Victorville
USAA
206
97
Chula Vista
National General
208
104
Santa Ana
Anchor
208
100
Modesto
USAA
210
99
San Jose
USAA
210
99
Temecula
GEICO
210
99
Glendale
Clearcover
211
100
Anaheim
Anchor
212
103
Santa Maria
Dairyland
215
92
Stockton
USAA
215
101
San Francisco
USAA
216
102
Moreno Valley
USAA
218
103
Temecula
Allstate
218
103
Los Angeles
Safeco
219
127
Riverside
USAA
220
104
Santa Barbara
Dairyland
220
94
Berkeley
USAA
222
104
Bakersfield
National General
223
111
Temecula
Farmers
224
106
San Diego
Dairyland
225
96
Santa Maria
GEICO
225
106
Elk Grove
Dairyland
226
97
Fresno
National General
226
113
Chula Vista
Dairyland
230
98
Oxnard
USAA
230
109
Santa Barbara
GEICO
230
109
Sacramento
USAA
232
109
San Bernardino
USAA
232
109
Santa Maria
Allstate
233
110
Santa Ana
USAA
234
110
Oakland
National General
235
117
San Diego
GEICO
236
111
Elk Grove
GEICO
237
112
Fremont
National General
238
119
Glendale
Mercury
238
128
Long Beach
National General
238
119
Victorville
National General
238
119
Anaheim
USAA
239
113
Santa Barbara
Allstate
239
113
Santa Maria
Farmers
240
113
Chula Vista
GEICO
241
113
Los Angeles
Anchor
242
117
Modesto
National General
242
121
San Jose
National General
242
121
Temecula
State Farm
242
115
Glendale
Sun Coast
243
109
San Diego
Allstate
244
115
Santa Barbara
Farmers
245
116
Bakersfield
Dairyland
246
105
Elk Grove
Allstate
246
116
Stockton
National General
248
124
Chula Vista
Allstate
249
118
Fresno
Dairyland
249
106
San Francisco
National General
249
125
Moreno Valley
National General
251
125
San Diego
Farmers
251
119
Elk Grove
Farmers
253
120
Riverside
National General
254
127
Temecula
Travelers
254
120
Berkeley
National General
255
128
Chula Vista
Farmers
256
121
Temecula
Direct Auto
257
102
Bakersfield
GEICO
258
122
Oakland
Dairyland
259
111
Glendale
Safeco
260
151
Santa Maria
State Farm
260
123
Fresno
GEICO
261
123
Fremont
Dairyland
262
112
Long Beach
Dairyland
262
112
Victorville
Dairyland
262
112
Oxnard
National General
266
133
Santa Barbara
State Farm
266
126
Bakersfield
Allstate
267
126
Modesto
Dairyland
267
114
Sacramento
National General
267
134
San Bernardino
National General
267
134
San Jose
Dairyland
267
114
Santa Ana
National General
270
135
Fresno
Allstate
271
128
Oakland
GEICO
271
128
San Diego
State Farm
272
129
Los Angeles
USAA
273
129
Santa Maria
Travelers
273
129
Bakersfield
Farmers
274
130
Elk Grove
State Farm
274
130
Stockton
Dairyland
274
117
Fremont
GEICO
275
130
Long Beach
GEICO
275
130
San Francisco
Dairyland
275
117
Santa Maria
Direct Auto
275
109
Victorville
GEICO
275
130
Anaheim
National General
276
138
Moreno Valley
Dairyland
277
118
Chula Vista
State Farm
278
132
Fresno
Farmers
278
132
Temecula
21st Century
278
131
Santa Barbara
Travelers
279
132
Modesto
GEICO
280
132
Riverside
Dairyland
280
120
San Jose
GEICO
280
132
Oakland
Allstate
281
133
Berkeley
Dairyland
282
120
Santa Barbara
Direct Auto
282
112
Fremont
Allstate
285
134
Long Beach
Allstate
285
134
San Diego
Travelers
285
135
Victorville
Allstate
285
134
Glendale
Anchor
286
138
Elk Grove
Travelers
287
136
Stockton
GEICO
287
135
San Diego
Direct Auto
288
114
Oakland
Farmers
289
137
San Francisco
GEICO
289
136
Elk Grove
Direct Auto
290
115
Modesto
Allstate
290
137
Moreno Valley
GEICO
290
137
San Jose
Allstate
290
137
Temecula
Bristol West
290
131
Chula Vista
Travelers
291
138
Fremont
Farmers
293
138
Long Beach
Farmers
293
138
Oxnard
Dairyland
293
125
Victorville
Farmers
293
138
Chula Vista
Direct Auto
294
117
Riverside
GEICO
294
138
Berkeley
GEICO
295
139
Sacramento
Dairyland
295
126
San Bernardino
Dairyland
295
126
Bakersfield
State Farm
297
141
Stockton
Allstate
297
140
Modesto
Farmers
298
141
San Jose
Farmers
298
141
Santa Ana
Dairyland
298
127
Santa Maria
21st Century
298
141
San Francisco
Allstate
299
141
Fresno
State Farm
301
143
Moreno Valley
Allstate
301
142
Anaheim
Dairyland
304
130
Riverside
Allstate
304
144
Santa Barbara
21st Century
305
144
Stockton
Farmers
305
144
Berkeley
Allstate
306
145
Oxnard
GEICO
307
145
San Francisco
Farmers
307
145
Moreno Valley
Farmers
309
146
Sacramento
GEICO
309
146
San Bernardino
GEICO
309
146
San Diego
21st Century
311
147
Santa Maria
Bristol West
311
141
Bakersfield
Travelers
312
147
Santa Ana
GEICO
312
147
Oakland
State Farm
313
148
Riverside
Farmers
313
148
Berkeley
Farmers
314
149
Elk Grove
21st Century
314
148
Los Angeles
National General
314
157
Bakersfield
Direct Auto
315
125
Fresno
Travelers
316
149
Fremont
State Farm
317
150
Long Beach
State Farm
317
150
Victorville
State Farm
317
150
Chula Vista
21st Century
318
150
Oxnard
Allstate
318
150
Santa Barbara
Bristol West
318
144
Anaheim
GEICO
319
151
Fresno
Direct Auto
319
127
Sacramento
Allstate
320
151
San Bernardino
Allstate
320
151
Glendale
USAA
323
152
Modesto
State Farm
323
153
San Jose
State Farm
323
153
Santa Ana
Allstate
324
153
San Diego
Bristol West
325
147
Elk Grove
Bristol West
327
148
Oxnard
Farmers
327
155
Oakland
Travelers
329
155
Sacramento
Farmers
329
156
San Bernardino
Farmers
329
156
Anaheim
Allstate
331
156
Stockton
State Farm
331
157
Chula Vista
Bristol West
332
150
Oakland
Direct Auto
332
132
Fremont
Travelers
333
157
Long Beach
Travelers
333
157
San Francisco
State Farm
333
158
Santa Ana
Farmers
333
157
Victorville
Travelers
333
157
Moreno Valley
State Farm
335
159
Fremont
Direct Auto
336
134
Long Beach
Direct Auto
336
134
Victorville
Direct Auto
336
134
Modesto
Travelers
339
160
Riverside
State Farm
339
160
San Jose
Travelers
339
160
Anaheim
Farmers
340
161
Bakersfield
21st Century
341
161
Berkeley
State Farm
341
161
Temecula
Nationwide
341
161
Modesto
Direct Auto
342
136
San Jose
Direct Auto
342
136
Fresno
21st Century
345
163
Los Angeles
Dairyland
347
148
Stockton
Travelers
347
164
San Francisco
Travelers
349
165
Stockton
Direct Auto
350
139
Moreno Valley
Travelers
351
166
San Francisco
Direct Auto
352
140
Bakersfield
Bristol West
355
161
Moreno Valley
Direct Auto
355
141
Oxnard
State Farm
355
168
Riverside
Travelers
356
168
Sacramento
State Farm
356
169
San Bernardino
State Farm
356
169
Berkeley
Travelers
358
169
Oakland
21st Century
359
170
Riverside
Direct Auto
359
143
Fresno
Bristol West
360
163
Santa Ana
State Farm
360
171
Berkeley
Direct Auto
361
143
Fremont
21st Century
363
172
Long Beach
21st Century
363
172
Victorville
21st Century
363
172
Los Angeles
GEICO
364
171
Santa Maria
Nationwide
366
173
Anaheim
State Farm
368
174
Modesto
21st Century
370
175
San Jose
21st Century
370
175
Glendale
National General
372
186
Oxnard
Travelers
372
176
Oakland
Bristol West
374
170
Sacramento
Travelers
374
177
San Bernardino
Travelers
374
177
Oxnard
Direct Auto
375
149
Santa Barbara
Nationwide
375
177
Los Angeles
Allstate
377
178
Sacramento
Direct Auto
377
150
San Bernardino
Direct Auto
377
150
Santa Ana
Travelers
378
179
Fremont
Bristol West
379
172
Long Beach
Bristol West
379
172
Stockton
21st Century
379
179
Victorville
Bristol West
379
172
San Francisco
21st Century
381
180
Santa Ana
Direct Auto
382
152
San Diego
Nationwide
383
181
Moreno Valley
21st Century
384
181
Elk Grove
Nationwide
386
182
Modesto
Bristol West
386
175
San Jose
Bristol West
386
175
Anaheim
Travelers
387
182
Los Angeles
Farmers
387
183
Riverside
21st Century
388
184
Anaheim
Direct Auto
390
155
Berkeley
21st Century
390
185
Chula Vista
Nationwide
391
185
Stockton
Bristol West
395
179
San Francisco
Bristol West
398
180
Moreno Valley
Bristol West
400
181
Riverside
Bristol West
405
184
Oxnard
21st Century
406
192
Berkeley
Bristol West
407
185
Sacramento
21st Century
408
193
San Bernardino
21st Century
408
193
Glendale
Dairyland
410
175
Santa Ana
21st Century
413
195
Bakersfield
Nationwide
419
198
Los Angeles
State Farm
420
199
Anaheim
21st Century
422
200
Fresno
Nationwide
424
201
Oxnard
Bristol West
424
192
Sacramento
Bristol West
426
193
San Bernardino
Bristol West
426
193
Glendale
GEICO
430
203
Santa Ana
Bristol West
431
195
Temecula
Chubb
432
204
Anaheim
Bristol West
440
200
Los Angeles
Travelers
440
208
Oakland
Nationwide
441
208
Los Angeles
Direct Auto
444
177
Glendale
Allstate
446
211
Fremont
Nationwide
447
211
Long Beach
Nationwide
447
211
Victorville
Nationwide
447
211
Modesto
Nationwide
455
215
San Jose
Nationwide
455
215
Glendale
Farmers
458
217
Santa Maria
Chubb
464
219
Stockton
Nationwide
466
220
San Francisco
Nationwide
469
222
Moreno Valley
Nationwide
472
223
Santa Barbara
Chubb
474
224
Riverside
Nationwide
477
225
Berkeley
Nationwide
480
227
Los Angeles
21st Century
481
227
San Diego
Chubb
485
229
Elk Grove
Chubb
488
231
Chula Vista
Chubb
495
234
Glendale
State Farm
496
235
Oxnard
Nationwide
499
236
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Mile Auto
120
64
Mercury
158
85
Sun Coast
160
71
Safeco
167
101
Anchor
191
91
USAA
216
101
National General
256
123
Dairyland
266
113
GEICO
287
134
Allstate
298
139
Farmers
306
143
State Farm
332
155
Travelers
348
163
Direct Auto
359
146
21st Century
379
177
Bristol West
393
177
Nationwide
467
219
Chubb
591
277
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 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 $273 per month, and the average rate for senior drivers is $137. 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
25 and Younger
Middle Aged Drivers
Senior Drivers
GEICO
231
101
81
Allstate
268
104
86
Nationwide
409
147
118
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.
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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 $310 per month, while the monthly average for drivers with a clean record is only $232.
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Record
Speeding Ticket
At-Fault Accident
DUI
Mile Auto
64
93
95
95
USAA
101
128
130
149
National General
123
157
161
182
GEICO
134
170
172
198
Allstate
139
176
178
206
State Farm
155
194
196
229
Nationwide
219
281
283
324
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.
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. Here are the types and amounts of coverage all drivers need to carry:[5]
$15,000/$30,000 for bodily injury liability: When you cause an accident,bodily injury liability insurancepays for injured drivers’ medical expenses. The $15,000 coverage limit applies to one person’s injuries in an accident, and the $30,000 coverage limit is for all injuries in an accident.
$5,000 for property damage liability: In the event of an at-fault accident, property damage liability insurance pays for the other driver’s property damage, like vehicle repairs.
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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 $232 per month for full coverage and $119 per month for minimum coverage. That’s $2,787 per year for full coverage and $1,422 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 $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 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.
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.
3+ years producing insurance and personal finance content
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Brett has over a decade of experience specializing in home and auto insurance. Before Insurify, he was a licensed insurance agent with Answer Financial.