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California Average Cost of Car Insurance Rates (2022)

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Car Insurance
Charlie Mitchell

By: Charlie Mitchell

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In California?

On average, car insurance rates for drivers in California are $256 per month, and $3076 per year. The average rates make California the 16th most expensive state in the country for car insurance rates and 13% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $25650%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best California Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in California and has selected the following providers and quotes as the best rates for drivers in California.

Cheapest CompaniesQuotes
State Farm$61
GEICO$64
Nationwide$106
Mercury$106
American Family$124

California Car Insurance Rates by City

For drivers in California, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in California.

CityAvg. Monthly Rate
Beverly Hills$328
Fresno$172
Irvine$222
Long Beach$215
Los Angeles$296
Oakland$240
Sacramento$208
San Diego$179
San Francisco$280
San Jose$226

What Is the Average Cost of Car Insurance in California by Age?

Teenagers pay a steep premium to drive in California: $439 on average, more than most high schoolers can make in a week working part-time. Young adults in their twenties see their average rates go down to $303, just $50 above the state average.

If you’re in your thirties, forties, or fifties, chances are you’ll pay a bit less than the state average—just watch out for those youngsters on the road. California drivers age 60 and older pay average monthly rates that hover around $190, much less than half what the teenagers pay.

AgeAvg. Monthly Rate
Teens$439
20s$303
30s$209
40s$220
50s$231
60s$191
70s$187
>80s$192

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What Is the Average Cost of Car Insurance in California by Gender?

Men are charged about 14 percent more for insurance than women, which only amounts to a $20 difference. Women pay $246 per month on average, while men are charged $266.

GenderAvg. Monthly Rate
Male$266
Female$246

Does Marital Status Influence the Average Cost of Car Insurance in California?

Don’t get married in California thinking it will save you money on car insurance. Married Californians pay an average of $3 more per month than single people, and when you throw in the $61 fee for a marriage license, it’s really a raw deal.

In reality, there’s almost no significant difference to what you pay, whether you’re married or single: a few dollars compared to the $256 state monthly average is a tiny proportion.

Marital StatusAvg. Monthly Rate
Married$256
Single$253

What Are the Minimum Car Insurance Requirements in California?

California only requires you to be insured for the damage you do to others and the property of others, not yourself or your car. Those requirements are $15,000 for injury/death to one person; $30,000 for injury/death to more than one person; and $5,000 for property damage (again, your life, safety, and property are not insured).

california

How Does Credit History Affect California Car Insurance Rates?

California law prohibits insurers from taking your credit history into account when determining your rates, so if you’re stressed about bad credit, don’t worry—this is one part of your budget that won't be affected.

As a result, Californians with good and great credit pay a little more on average than those with bad credit. Car insurance policyholders with average credit pay the lowest average monthly fee than anyone else.

Credit HistoryAvg. Monthly Rate
Poor$204
Average$196
Good$219
Excellent$245

What Is the Average Cost of Car Insurance in California for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in California will pay $12 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $26. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$252
At-Fault Accident$277
Speeding$264

Tips for Researching California Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like California draws a wide variety of choices. The Golden State also has low minimum requirements like California, making it difficult to know what coverage will serve you best.
Insurify ’s rate comparison tool will help you make sure you’re getting the best possible quote based on your needs and location. You can have peace of mind you’re not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - California Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county California. Insurify analyzed the latest data for the five most populous cities in California to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in California and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Content Writer at Insurify

Charlie Mitchell is a journalist, researcher, and copywriter living in Minneapolis. He's contributed to Vox, Mother Jones, The New Republic, and other magazines and websites.

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