Cheapest Auto Insurance in California (2025)

California drivers pay an overall average of $161 per month for car insurance. Insurify’s analysts expect costs to rise over the next 12 to 18 months. The end of California’s freeze on rate hikes, the state’s high risk of weather-related damage, and the rising cost of auto body parts will drive the increase.

The average quote for a California liability-only car insurance policy is $97 per month, while a full-coverage policy costs $225 per month. By comparison, the national average rates are $107 for liability-only insurance and $193 for full coverage.

Here’s how to research the best car insurance companies in California to find the right one for you.

3 of the cheapest car insurance companies in California

Finding the best car insurance company for you depends on your specific needs and circumstances. Start your search with the companies in the table below.

Insurance Company	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.	Average Quote: Full Coverage	Average Quote: Liability Only
GEICO	9.2	$207	$129
Safeco	8.1	$163	$90
State Farm	9.3	$310	$124

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

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

GEICO

Compare Quotes

User Reviews	4.0 6,432 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.	$129/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.	$207/mo

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Driver Reviews

4.0

Best choiceBased on 11,989 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 (6,432)

Rosemary

July 2, 2025

Verified Review

Geico is the worst!

Geico is the worst insurance company ever. They increased my rate over 100 percent with no tickets or claims.

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.

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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.

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	4.4 490 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.	$90/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.	$147/mo

Show Details

Driver Reviews

4.4

Best choiceBased on 873 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 (490)

Donald

June 26, 2025

Verified Review

DC insurance

Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.

Ray

June 18, 2025

Verified Review

Heads Up

Watch for the rising rates after a year.

Jerri

June 6, 2025

Verified Review

SAFECO Ins. - Not for Me

WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!

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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

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User Reviews	4.1 6,043 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.	$124/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.	$310/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 11,264 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 (6,043)

Duane

July 1, 2025

Verified Review

40+ years says it all!

State Farm has always met my expectations for the 40+ years of service.

Krystal

July 1, 2025

Verified Review

Good

State Farm was my best insurance company, but I couldn't pay my bill because it was too high.

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a 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

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. Discounts for safe driving, 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.

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 $97 per month.

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

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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
National General	$92
Sun Coast	$102
Root	$102
Anchor	$108
Dairyland	$110
Allstate	$111
Mercury	$111
Farmers	$114
Direct Auto	$115
State Farm	$124
GEICO	$129
Travelers	$130
Bristol West	$133
21st Century	$142
Nationwide	$175
Chubb	$221

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

Cheapest full-coverage car insurance quotes in California: Anchor

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 $225 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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
Anchor	$175
Root	$193
Mercury	$205
GEICO	$207
Sun Coast	$254
National General	$266
Allstate	$278
Farmers	$286
State Farm	$310
Direct Auto	$318
Bristol West	$321
Travelers	$325
21st Century	$354
Dairyland	$361
Nationwide	$437
Chubb	$552

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 will take effect Jan. 1, 2025. Here’s the new minimum coverage you need in California:^[4]

• 

  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 $81 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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 $117 per month for liability insurance compared to drivers with a clean record, who pay $97.

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

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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
National General	$92	$111
Sun Coast	$102	$123
Root	$102	$131
Anchor	$108	$133
Dairyland	$110	$133
Allstate	$111	$134
Mercury	$111	$146
Farmers	$114	$138
Direct Auto	$115	$140
State Farm	$124	$148
GEICO	$129	$161
Travelers	$130	$159
Bristol West	$133	$163
21st Century	$142	$176
Nationwide	$175	$213
Chubb	$221	$267

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $112 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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
National General	$92	$110
Sun Coast	$102	$117
Root	$102	$123
Anchor	$108	$133
Dairyland	$110	$133
Allstate	$111	$133
Mercury	$111	$149
Farmers	$114	$138
Direct Auto	$115	$143
State Farm	$124	$148
GEICO	$129	$146
Travelers	$130	$158
Bristol West	$133	$161
21st Century	$142	$174
Nationwide	$175	$212
Chubb	$221	$265

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $156 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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
National General	$92	$141
Sun Coast	$102	$164
Root	$102	$157
Anchor	$108	$158
Dairyland	$110	$169
Allstate	$111	$170
Mercury	$111	$173
Farmers	$114	$175
Direct Auto	$115	$177
State Farm	$124	$190
GEICO	$129	$198
Travelers	$130	$200
Bristol West	$133	$204
21st Century	$142	$218
Nationwide	$175	$269
Chubb	$221	$339

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $86 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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
National General	$73	$210
Root	$88	$167
Sun Coast	$91	$226
Allstate	$92	$231
Dairyland	$92	$300
Farmers	$92	$230
Anchor	$92	$148
Direct Auto	$93	$256
Mercury	$94	$173
State Farm	$99	$248
GEICO	$104	$167
Travelers	$105	$262
Bristol West	$111	$268
21st Century	$112	$278
Nationwide	$136	$339
Chubb	$169	$421

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

Shop for California Car Insurance

Liability rates for seniors average $86 per month

Enter your ZIP codeGet My Quotes

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Based on 3,806+ reviews

4.8/5

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 $188 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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
Root	$181	$343
Dairyland	$188	$618
National General	$191	$554
Sun Coast	$198	$493
Anchor	$198	$321
Mercury	$212	$392
Farmers	$221	$554
Allstate	$222	$557
Direct Auto	$231	$640
GEICO	$236	$379
State Farm	$240	$600
Bristol West	$245	$591
Travelers	$262	$655
21st Century	$267	$667
Nationwide	$346	$863
Chubb	$476	$1,189

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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