Cheapest Auto Insurance in California (2025)

California drivers pay an overall average of $145 per month for car insurance. Insurify’s analysts expect costs to rise 4% by the end of 2025. 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 $93 per month, while a full-coverage policy costs $198 per month. By comparison, the national average rates are $99 for liability-only insurance and $176 for full coverage.

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

6 of the cheapest car insurance companies in California

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

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $161/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $115/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $207/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $63/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $135/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $135/mo*
Overall rating 4.0 6,905 reviews	Overall rating 4.4 512 reviews	Overall rating 4.1 6,584 reviews	Overall rating 4.3 131 reviews	Overall rating 4.9 1,326 reviews	Overall rating 3.2 7,522 reviews
Value for money 3.8/5	Value for money 3.9/5	Value for money 3.7/5	Value for money 3.5/5	Value for money 4.9/5	Value for money 3.2/5
Customer service 4.0/5	Customer service 4.0/5	Customer service 4.2/5	Customer service 3.4/5	Customer service 4.8/5	Customer service 3.4/5
Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.8/5	Claims handling 4.9/5	Claims handling 3.4/5
Special highlight AI-generated from 6905 user reviews Teen drivers	Special highlight AI-generated from 512 user reviews Cash back for being claims free	Special highlight AI-generated from 6584 user reviews Customer service	Special highlight AI-generated from 131 user reviews Cheap rates	Special highlight AI-generated from 1326 user reviews Members of the military community	Special highlight AI-generated from 7522 user reviews Competitive rates

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

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

GEICO

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User Reviews	4.0 6,905 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.	$113/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.	$208/mo

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Driver Reviews

4.0

Best choiceBased on 13,427 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 (6,905)

Deborah

Verified Review

Check around before you buy

Reviewed in Florida on December 2025

The rates are way too high for one person with a clean driving record and nothing on it.

Kiran

Verified Review

Reduce the Price

Reviewed in Maryland on December 2025

Too pricey for good drivers.

James

Verified Review

Why We Stay with GEICO

Reviewed in Florida on December 2025

We love GEICO. We have been with them forever. We check other carriers once or twice a year, and no one else can compare.

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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	4.4 512 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.	$87/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.	$142/mo

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Driver Reviews

4.4

Best choiceBased on 938 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 (512)

Russell

Verified Purchase

Peachy

Reviewed in Pennsylvania on December 2025

So far, no hassle like with other insurance companies I have dealt with.

Brian

Verified Review

Coverage by Safeco Insurance

Reviewed in Washington on November 2025

Very good, but expensive.

Robert

Verified Review

I've Had This Insurance for Almost a Year and They Have Increased the Cost with Each 6-Month Bill

Reviewed in Virginia on November 2025

It's okay, kind of expensive. I don't like the price the company charges; way too much.

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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 6,584 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.	$127/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.	$287/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 12,804 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 (6,584)

Alfonzo

Verified Review

Bad Insurance Experience

Reviewed in West Virginia on December 2025

Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.

Tracy

Verified Review

Look what Wildbowilly found

Reviewed in Texas on December 2025

I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.

Steven

Verified Review

Great Insurance

Reviewed in Minnesota on December 2025

No issues at all.

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Our Advice

JD Power

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

658

NAIC Index

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

0.84

A.M. Best

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

A++

Why we picked this company

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

Pros

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

• Long-standing history in the insurance industry

Cons

• Not as many discounts as some insurers

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

Calculate how much your California car insurance might cost

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

How to get the cheapest car insurance in California

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

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

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

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

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

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

California’s low-cost auto insurance plan

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

• Have a valid California driver’s license

• Meet income eligibility requirements

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

• Be at least 16 years old

• Have a good driving record or be a new driver

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

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 $93 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, December 4 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$83
National General	$89
Sun Coast	$92
Dairyland	$93
Mercury	$101
Root	$105
GEICO	$113
Allstate	$114
Farmers	$117
Anchor	$118
Direct Auto	$118
Bristol West	$120
State Farm	$127
Travelers	$133
21st Century	$145
Nationwide	$179
Chubb	$226

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: Root

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

California drivers pay $198 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, December 4 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Root	$185
USAA	$187
Mercury	$193
Anchor	$199
GEICO	$208
Sun Coast	$231
Dairyland	$251
Allstate	$258
National General	$261
Farmers	$265
Bristol West	$282
State Farm	$287
Travelers	$302
Direct Auto	$311
21st Century	$329
Nationwide	$405
Chubb	$512

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 took 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 $83 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ 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 $114 per month for liability insurance compared to drivers with a clean record, who pay $93.

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, December 4 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Record	Avg. Quote With Speeding Ticket
USAA	$83	$105
National General	$89	$110
Sun Coast	$92	$113
Dairyland	$93	$115
Mercury	$101	$140
Root	$105	$138
GEICO	$113	$146
Allstate	$114	$146
Farmers	$117	$147
Anchor	$118	$145
Direct Auto	$118	$147
Bristol West	$120	$149
State Farm	$127	$158
Travelers	$133	$170
21st Century	$145	$187
Nationwide	$179	$228
Chubb	$226	$282

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, December 4 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Record	Avg. Quote With At-Fault Accident
USAA	$83	$105
National General	$89	$112
Sun Coast	$92	$111
Dairyland	$93	$117
Mercury	$101	$145
Root	$105	$132
GEICO	$113	$138
Allstate	$114	$144
Farmers	$117	$147
Anchor	$118	$148
Direct Auto	$118	$154
Bristol West	$120	$150
State Farm	$127	$159
Travelers	$133	$169
21st Century	$145	$186
Nationwide	$179	$228
Chubb	$226	$283

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 $115 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, December 4 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Record	Avg. Quote With DUI
USAA	$83	$113
National General	$89	$121
Sun Coast	$92	$114
Dairyland	$93	$126
Mercury	$101	$142
Root	$105	$142
GEICO	$113	$151
Allstate	$114	$155
Farmers	$117	$159
Anchor	$118	$161
Direct Auto	$118	$160
Bristol West	$120	$163
State Farm	$127	$173
Travelers	$133	$181
21st Century	$145	$197
Nationwide	$179	$243
Chubb	$226	$307

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 $84 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, December 4 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$69	$156
National General	$72	$210
Dairyland	$79	$214
Sun Coast	$83	$207
Mercury	$83	$159
Root	$90	$159
GEICO	$92	$169
Allstate	$95	$215
Farmers	$95	$215
Direct Auto	$97	$256
Anchor	$99	$168
Bristol West	$102	$239
State Farm	$102	$231
Travelers	$109	$247
21st Century	$117	$265
Nationwide	$141	$318
Chubb	$175	$396

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 $84 per month

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ 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 $174 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, December 4 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$156	$351
Dairyland	$158	$425
Sun Coast	$172	$433
National General	$183	$535
Root	$186	$327
Mercury	$189	$362
GEICO	$207	$382
Anchor	$210	$354
Bristol West	$217	$511
Allstate	$228	$517
Farmers	$234	$530
Direct Auto	$234	$616
State Farm	$249	$562
21st Century	$266	$605
Travelers	$277	$630
Nationwide	$354	$802
Chubb	$476	$1,079

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