120+ more*Quotes generated for Insurify users from California within the last 10 days. Last updated on July 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from California within the last 10 days. Last updated on July 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
15 years at the Boston Globe
5+ years covering insurance industry
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Cheapest car insurance company in California: USAA
Cheapest car insurance rate in California: $65 per month
Average monthly liability-only car insurance cost in California: $96
Average monthly full-coverage car insurance cost in California: $200
The car insurance rates below are based on a driver in California with a clean driving record, good credit, and no recent claims. The car insurance quotes you receive may vary based on your age, location, vehicle, coverage selections, and driving history.
California drivers can often find the lowest premiums by comparing national and regional insurers. The three cheapest insurers in our analysis are USAA, Aspire General, and GEICO.
Here, you can see some of the other cheapest insurers across California.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $65 | $144 |
| Aspire General | $69 | $121 |
| GEICO | $70 | $141 |
| Sun Coast | $71 | $167 |
| Mercury | $73 | $140 |
| National General | $73 | $194 |
| Dairyland | $81 | $191 |
| Root | $86 | $134 |
| Direct Auto | $88 | $213 |
| Allstate | $90 | $199 |
| Farmers | $92 | $205 |
| Anchor | $95 | $177 |
| Bristol West | $100 | $213 |
| State Farm | $100 | $221 |
| Kemper Special | $104 | $158 |
| Travelers | $105 | $233 |
| 21st Century | $115 | $253 |
| Kemper Rsvp | $115 | $161 |
| First Acceptance | $154 | $339 |
| Chubb | $179 | $394 |
Price matters, but customer experience and financial strength are important considerations when choosing an insurance company. The companies below are the best car insurance companies in California based on Insurify’s verified user reviews, insurer financial strength, customer satisfaction scores, and complaint data.
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 635 |
|---|---|
| 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. | 8.7 /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. | $79/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. | $136/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive is Insurify’s pick for full coverage in California because it offers a wide range of optional coverages, competitive pricing for many drivers, and robust digital tools that make managing a policy and filing claims easier. With optional loan/lease payoff coverage and vehicle protection, it’s an especially strong choice for drivers with newer or financed vehicles.
Above-average customer satisfaction in California[1]
Competitive full-coverage rates for many California drivers
Highly rated mobile app and online policy management tools
Premiums can increase significantly following an accident or traffic violation
Mostly negative customer reviews on Trustpilot
Some regional insurers may offer lower rates for drivers with clean records
| User Reviews | 4.0 |
|---|---|
| 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. | $70/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. | $141/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
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.
GEICO consistently offers competitive liability-only rates to California drivers and provides a simple online auto insurance quote experience. It’s a strong option for Californians who need to meet the state’s minimum liability insurance requirements without paying for coverage they don’t need.
Frequently among the lowest-priced insurers for California minimum-liability coverage
Easy-to-use online tools and mobile app for quotes, policy management, and claims
Offers multiple discounts, including good-driver, multi-vehicle, military, and federal employee discounts
No agent offices in California
Fewer optional coverages than some competitors
Mostly negative reviews on Trustpilot
| User Reviews | 4.0 |
|---|---|
| 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. | 7.5 /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. | $73/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. | $140/mo |
Mercury's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.0 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.2 | 2.9 |
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
Mercury Insurance offers competitive rates for California drivers and a variety of discounts — such as an electric vehicle discount — that can help reduce insurance costs. As a California-based insurer, Mercury has numerous agent offices throughout the state, which can be especially appealing to drivers who like personalized communication.
Competitive rates for many California drivers
Offers several discounts, including bundling, multi-car, good driver, and anti-theft savings
Long-established California insurer with numerous agents throughout the state
Below-average customer satisfaction in California
Digital tools and mobile experience not as comprehensive as those of some national insurers
Drivers with accidents, DUIs, or other high-risk factors may find lower rates elsewhere
| User Reviews | 4.1 |
|---|---|
| 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. | $100/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. | $221/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm combines a strong IQ Score with one of California’s largest local agent networks and consistently strong claims support. Drivers who value personalized service and reliable assistance throughout the life of their policy may find State Farm worth paying a little more for.
Financial strength grade of A+ (Superior) from AM Best
Extensive network of local agents throughout California for personalized service
Drive Safe & Save program can reward safe drivers with lower rates
Premiums may be higher than those of some competitors for certain driver profiles
Availability for new policies has varied in parts of California as the company has adjusted its underwriting in the state
Gap insurance not available
We evaluated insurers operating in California using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to California drivers, including wildfire exposure, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
California drivers typically pay slightly less than the national average for minimum-liability coverage but may pay more than average for full coverage in certain regions. The average monthly rate for liability-only car insurance in California is $96, according to Insurify data. The average rate for full coverage is $200 per month. This is compared to national monthly averages of $98 and $186, respectively.
Several state-specific factors influence car insurance rates in California, including heavy traffic congestion in metropolitan areas, high vehicle repair costs, elevated litigation expenses, and persistent vehicle theft concerns in some cities. Wildfire-related economic pressures have also contributed to rising insurance premiums across multiple insurance lines in recent years.
California’s diverse geography, varying environmental risks, and broad range of driver demographics mean car insurance premiums vary widely in the state. For example, Glendale is a relatively small community in California with a population of about 187,160. But its higher cost of living and wildfire exposure mean it has higher car insurance costs than some much larger California cities.
The following table shows average car insurance rates for California cities.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Lompoc | $70 | $144 |
| Redding | $71 | $153 |
| Tulare | $72 | $167 |
| Hanford | $73 | $150 |
| San Luis Obispo | $73 | $146 |
| Santa Maria | $73 | $155 |
| Visalia | $73 | $161 |
| Chico | $74 | $146 |
| Palm Desert | $74 | $157 |
| Santa Cruz | $74 | $148 |
| Woodland | $77 | $151 |
| La Quinta | $78 | $171 |
| Cathedral City | $79 | $174 |
| Palm Springs | $79 | $182 |
| Ridgecrest | $79 | $141 |
| Saratoga | $79 | $186 |
| Watsonville | $79 | $195 |
| Chula Vista | $80 | $175 |
| Napa | $80 | $171 |
| Petaluma | $81 | $171 |
| Santa Barbara | $81 | $159 |
| Dublin | $82 | $183 |
| Hollister | $82 | $173 |
| San Ramon | $82 | $192 |
| Santa Rosa | $83 | $176 |
| Beaumont | $84 | $179 |
| Campbell | $84 | $160 |
| Pacifica | $84 | $160 |
| San Mateo | $84 | $213 |
| Yuba City | $84 | $177 |
| Bakersfield | $85 | $178 |
| Concord | $85 | $187 |
| Fremont | $85 | $190 |
| Milpitas | $85 | $181 |
| Fresno | $86 | $176 |
| Oxnard | $86 | $190 |
| Fairfield | $87 | $193 |
| Lodi | $87 | $183 |
| Palo Alto | $87 | $187 |
| San Diego | $87 | $173 |
| San Marcos | $87 | $167 |
| Santa Clara | $87 | $198 |
| Vallejo | $87 | $216 |
| Vista | $87 | $172 |
| Cupertino | $88 | $188 |
| El Cerrito | $88 | $199 |
| La Mesa | $88 | $157 |
| Novato | $88 | $176 |
| San Clemente | $88 | $172 |
| San Jose | $88 | $184 |
| Brentwood | $89 | $174 |
| National City | $89 | $189 |
| Poway | $89 | $149 |
| Oceanside | $90 | $177 |
| Pittsburg | $90 | $207 |
| Santee | $90 | $159 |
| Ceres | $91 | $185 |
| Escondido | $91 | $182 |
| Hemet | $91 | $180 |
| Antioch | $92 | $212 |
| Lathrop | $92 | $201 |
| Murrieta | $92 | $188 |
| Stockton | $92 | $199 |
| Temecula | $92 | $167 |
| Tracy | $93 | $193 |
| Folsom | $95 | $182 |
| Hayward | $95 | $211 |
| Modesto | $95 | $191 |
| South San Francisco | $95 | $202 |
| Aliso Viejo | $96 | $185 |
| Camarillo | $96 | $181 |
| Colton | $96 | $195 |
| Roseville | $96 | $183 |
| Menifee | $97 | $184 |
| Moreno Valley | $97 | $197 |
| Elk Grove | $98 | $188 |
| Lake Forest | $98 | $175 |
| Redlands | $98 | $183 |
| West Sacramento | $98 | $184 |
| Berkeley | $99 | $207 |
| Brea | $99 | $193 |
| Richmond | $99 | $258 |
| Riverside | $99 | $201 |
| San Francisco | $99 | $242 |
| San Leandro | $99 | $211 |
| Hesperia | $102 | $211 |
| Laguna Niguel | $102 | $186 |
| Norco | $102 | $195 |
| Oakland | $102 | $237 |
| San Bernardino | $102 | $212 |
| Wildomar | $102 | $194 |
| Chino | $103 | $196 |
| Corona | $103 | $202 |
| Irvine | $103 | $208 |
| Newport Beach | $103 | $207 |
| Rialto | $103 | $212 |
| Santa Ana | $103 | $204 |
| Thousand Oaks | $103 | $196 |
| Sacramento | $104 | $211 |
| Orange | $105 | $197 |
| Victorville | $105 | $216 |
| Fontana | $106 | $213 |
| Huntington Beach | $106 | $189 |
| Placentia | $106 | $199 |
| Pomona | $106 | $228 |
| Adelanto | $107 | $225 |
| Ontario | $107 | $202 |
| San Pedro | $107 | $221 |
| Chino Hills | $108 | $201 |
| La Mirada | $109 | $208 |
| Torrance | $109 | $225 |
| Buena Park | $111 | $214 |
| Rancho Cucamonga | $111 | $205 |
| Azusa | $112 | $220 |
| Carson | $112 | $232 |
| La Puente | $112 | $219 |
| Paramount | $112 | $231 |
| Anaheim | $113 | $212 |
| Diamond Bar | $113 | $223 |
| Fountain Valley | $113 | $199 |
| Garden Grove | $113 | $209 |
| Long Beach | $114 | $228 |
| Bell Gardens | $115 | $248 |
| Cypress | $115 | $194 |
| Norwalk | $115 | $218 |
| Simi Valley | $116 | $220 |
| Cerritos | $117 | $238 |
| Covina | $118 | $214 |
| Lancaster | $121 | $235 |
| Walnut | $121 | $233 |
| El Monte | $123 | $239 |
| Lynwood | $124 | $273 |
| Palmdale | $125 | $239 |
| Santa Clarita | $125 | $243 |
| Pasadena | $127 | $249 |
| Temple City | $127 | $253 |
| Compton | $130 | $267 |
| Culver City | $130 | $237 |
| Santa Monica | $135 | $266 |
| San Gabriel | $136 | $247 |
| Inglewood | $138 | $260 |
| Burbank | $152 | $278 |
| Los Angeles | $154 | $295 |
| Studio City | $155 | $289 |
| West Hollywood | $164 | $330 |
| Northridge | $168 | $322 |
| Reseda | $169 | $324 |
| Winnetka | $169 | $307 |
| Glendale | $178 | $358 |
| Beverly Hills | $181 | $352 |
Drivers in major urban areas often face the highest insurance premiums in the state. The chart below highlights the five most expensive California cities for auto insurance.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| West Hollywood | $164 | $330 |
| Northridge | $168 | $322 |
| Reseda | $169 | $324 |
| Glendale | $178 | $358 |
| Beverly Hills | $181 | $352 |
){kind=small}
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
){kind=small}
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
){kind=small}
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Car insurance rates can vary significantly among insurers for the same driver profile. One company may place more emphasis on your driving record, while another may focus more heavily on your ZIP code, annual mileage, or vehicle type.
California’s diverse geography and traffic conditions create additional pricing differences. Drivers in Los Angeles, Oakland, and San Francisco may receive substantially different quotes than drivers in inland communities.
To receive the most accurate quotes:
Compare identical coverage limits and deductibles.
Include all household drivers.
Report annual mileage accurately.
Request both minimum- and full-coverage quotes.
Ask about available discounts.
Compare policy features, not just price.
Review optional coverage selections carefully.
Check quotes from 120+ top insurance companies
California law requires drivers to carry liability coverage with minimum limits of:
Coverage Type | Minimum Limit |
|---|---|
| Bodily injury liability per person | $30,000 |
| Bodily injury liability per accident | $60,000 |
| Property damage liability | $15,000 |
These liability coverage requirements are similar to those in many states, though California recently increased its minimum limits to those listed above.[2]
Unlike some states, California doesn’t require personal injury protection (PIP) because it isn’t a no-fault insurance state. Uninsured motorist coverage is generally optional, but insurers must offer it.
Shopping around remains the most effective way to lower car insurance costs in California. Annual rates can differ by hundreds of dollars between insurers.
California drivers can also reduce premiums by carefully selecting deductibles and taking advantage of available discounts.
To reduce your car insurance costs even more, you can:
Compare quotes from at least three insurers.
Maintain a clean driving record.
Bundle auto insurance with homeowners or renters insurance.
Raise deductibles if financially appropriate.
Reduce annual mileage when possible.
Take advantage of telematics or safe-driving programs.
Ask about multi-vehicle discounts.
California’s average credit score is higher than the national average, but state law limits how insurers use credit information more than in many other states.
Compare rates from the nation’s leading insurance companies
The cheapest insurer for one driver may not be the cheapest for another. Comparing quotes tailored to your specific situation can help you find the best car insurance at the lowest price.
The following resources can help you learn more about car insurance in California.
Cheap Car Insurance for Teen Drivers in California
How Much Is Car Insurance for a 16-Year-Old in California?
How Much Is Car Insurance for a 17-Year-Old in California?
Best Car Insurance for New Drivers in California
Best Car Insurance in California for Young Adults
Cheapest Car Insurance in California After an Accident
Driving Without Insurance in California: Penalties and Next Steps
DUI Car Insurance in California
Car Insurance for High-Risk Drivers in California
5 Best Home and Auto Bundles in California
Cheap Car Insurance for Senior Drivers in California
Cheapest Full-Coverage Car Insurance in California
Cheapest Liability Car Insurance in California
Non-Owner Car Insurance in California
Rental Car Insurance in California
Rideshare Insurance in California
Temporary Car Insurance in California
Uninsured Motorist Coverage in California
Classic Car Insurance California
Average Cost of Car Insurance in California
Best Car Insurance in California
Car Insurance Requirements in California
Accident With a Borrowed Car in California
Cheap Car Insurance in California With Bad Credit
Cheap Car Insurance for Low-Income Drivers in California
Classic Car Insurance in California
Can You Drive in California With a Foreign License?
Car Insurance Discounts for California Drivers
Accident With an Uninsured Driver? Here’s What to Do in California
How Long Does an Insurance Company Have to Investigate an Auto Claim in California?
Is California a No-Fault State?
New-Car Insurance Grace Period in California
How to Register and Insure a Salvage Title Vehicle in California
California drivers have experienced notable premium increases in recent years as insurers have faced rising repair costs, higher vehicle values, higher medical expenses, and greater claim severity.
California car insurance rates increased throughout 2025, though growth moderated compared with some other states, according to Insurify’s American Driver Report. Looking ahead to 2026, insurers continue to cite repair inflation, labor costs, advanced vehicle technology, and litigation expenses as key drivers of rate changes.
State Name | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| California | 1,697 | 1,702 | 1,703 | 1,704 | 1,701 | 1,704 | 1,701 | 1,704 | 1,701 | 1,694 | 1,702 | 1,710 | 1,714 | 1,720 | 1,716 | 1,711 | 1,706 | 1,701 | 1,695 | 1,694 | 1,688 | 1,690 | 1,696 | 1,713 | 1,730 | 1,735 | 1,755 | 1,776 | 1,793 | 1,816 | 1,846 | 1,906 | 1,984 | 2,141 | 2,272 | 2,406 | 2,509 | 2,642 | 2,722 | 2,744 | 2,764 | 2,800 | 2,816 | 2,807 | 2,758 | 2,700 | 2,669 | 2,634 | 2,582 | 2,523 | 2,479 | 2,452 | 2,414 | 2,394 | 2,387 | 2,383 | 2,370 | 2,370 | 2,377 | 2,388 | 2,395 |
| United States | 1,551 | 1,553 | 1,555 | 1,557 | 1,562 | 1,564 | 1,566 | 1,568 | 1,572 | 1,577 | 1,591 | 1,602 | 1,608 | 1,612 | 1,618 | 1,624 | 1,632 | 1,640 | 1,650 | 1,666 | 1,689 | 1,719 | 1,758 | 1,802 | 1,850 | 1,887 | 1,919 | 1,956 | 1,983 | 2,006 | 2,036 | 2,076 | 2,128 | 2,194 | 2,240 | 2,300 | 2,343 | 2,370 | 2,391 | 2,387 | 2,374 | 2,370 | 2,363 | 2,353 | 2,367 | 2,367 | 2,366 | 2,356 | 2,342 | 2,317 | 2,285 | 2,257 | 2,228 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 | 2,237 |
California’s insurance market is one of the largest and most competitive in the country. Here are answers to some common questions drivers ask when shopping for coverage.
USAA offers the cheapest car insurance in California. Its liability-only policies average $65 per month. But the cheapest insurer for you will vary based on your age, vehicle, location, and driving record. That’s why comparing multiple quotes is the best way to identify the lowest-cost insurer for your situation.
Not necessarily. For drivers with violations, teen drivers, luxury vehicle owners, or full-coverage policies in expensive areas, $300 per month may be reasonable. But safe drivers and those outside the previously mentioned groups often pay substantially less.
The average monthly cost of liability coverage in California is $96. The average monthly cost of full coverage is $200. The cost you pay depends on your coverage level, location, vehicle, driver profile, and more.
Yes. The cheapest insurance policy may not provide enough financial protection after a serious accident. Drivers should evaluate coverage limits, deductibles, insurer reputation, and claims service in addition to price.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
15 years at the Boston Globe
5+ years covering insurance industry
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
