California has an modal annual premium of $ 733 for the state minimum coverage and $ 2,065 for entire coverage, according to 2021 data from The cheapest car insurance company in California is Capital, with an average entire coverage premium of $ 1,582 per year. Your localization, among other factors, will impact your indemnity rates. In California, drivers who live in Los Osos and Weed have the brassy car insurance premiums for wax coverage, at $ 1,561 and $ 1,576 respectively. Most states, including California, ask drivers to carry car policy. Depending on their budget, drivers may opt to get the state ’ s required minimum coverage, a policy that provides full moon coverage, or something in between the two. In this follow-up, we ’ ll compare the cheapest car insurance in California and some of the factors that determine your indemnity rate .

Cheapest Car Insurance in California

Compared to other car insurers in California, Capital and Wawanesa are the cheapest insurers for entire coverage, based on Bankrate ’ sulfur 2021 data.

Provider Average Annual Full Coverage Premium* Average Annual Minimum Coverage Premium*
Capital $1,582 $743
Wawanesa $1,599 $652
Geico $1,615 $521
Mercury $1,636 $624
Travelers $1,794 $675
Progressive $1,808 $668
Infinity $1,859 $847
State Farm $1,943 $663
Alliance United $2,115 $756
Allstate $2,119 $801

data accurate as of 01/27/22 * Data provided by

Cheap Car Insurance in California by City

If you live in the californian cities of Weed or Trinidad, you may pay among the cheapest policy rates for minimum coverage. Cities with the cheapest full moon coverage include Los Osos, Weed, and Cambria. A number of factors are used to determine a person ’ sulfur car insurance pace. Location is one of these factors, so people will see a difference in their rates if they live in urban areas. This is largely ascribable to higher vandalism, accident and larceny rates in urban areas than those in modest or rural towns .

29 cities with the cheapest insurance in California

City Average Annual Full Coverage Premium* Average Annual Minimum Coverage Premium*
Los Osos $1,561 $566
Weed $1,576 $509
Cambria $1,586 $552
Mount Shasta $1,587 $532
Yreka $1,604 $547
Solvang $1,608 $587
Buellton $1,609 $567
Bishop $1,613 $546
Dixon Lane-Meadow Creek $1,613 $546
West Bishop $1,613 $546
Round Valley $1,613 $546
Lompoc $1,620 $574
Vandenberg Village $1,620 $574
Mission Hills $1,620 $574
Avila Beach $1,626 $586
Morro Bay $1,628 $587
Nipomo $1,630 $571
Los Alamos $1,632 $560
Arroyo Grande $1,634 $588
Callender $1,634 $588
Los Ranchos $1,636 $611
Big Pine $1,642 $528
Pismo Beach $1,645 $598
Trinidad $1,646 $519
Westhaven-Moonstone $1,646 $519
Santa Ynez $1,652 $601
San Ardo $1,653 $523
Vandenberg AFB $1,653 $596
Oceano $1,657 $606

* Data provided by

Cheapest Car Insurance Rates in California With a Prior Accident

If you have a previous accident, the cheapest car policy in California for you might be with Capital or Wawanesa. The companies with the lowest average increases after an accident are Capital and State Farm. Driving phonograph record is one of many factors that determine your car insurance rate. If you are a California driver who has a cable car accident on your record, evening if it is merely one, you will probable pay more for insurance than a driver with no accidents on their record would pay. Average Annual Full Coverage Premiums Before and After an Accident

Provider No Accident* 1 Accident* Difference
Capital $1,582 $2,017 27%
Wawanesa $1,599 $2,272 42%
Geico $1,615 $2,377 47%
Mercury $1,636 $2,747 68%
Travelers $1,794 $2,820 57%
Progressive $1,808 $3,813 111%
Infinity $1,859 $3,474 87%
State Farm $1,943 $2,651 36%
Alliance United $2,115 $4,620 118%
Allstate $2,119 $3,975 88%

* Data provided by

California Car Insurance FAQs

Who has the cheapest car insurance in California?

If you are interest in insurers who offer the cheapest rates for full coverage, you may want to look into Capital and Wawanesa. Keep in mind that your rates will vary based on your personal rate factors. The ship’s company that is cheapest for you may be a different aircraft carrier wholly .

What is the average cost for car insurance in California?

In California, the price of policy is $ 2,065 per class for full coverage and $ 733 per year for minimum coverage, according to 2021 data from Your rates will vary based on your rat circumstances, so you might pay more or less than these averages .

Methodology reviews products, services and companies based on five criteria to help readers understand how companies compare based on exchangeable metrics. For the best cable car policy companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and on-line resources from each company to determine top providers. As for average price, we used ’ s data of cable car insurance in California, based on the profiles of a 40-year male and female. For full coverage, the details used were the following :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimal coverage that meets each state ’ mho requirements. Our base visibility drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should entirely be used for comparative purposes. Incidents: Rates were calculated by evaluating our nucleotide profile with the surveil incidents applied : clean record ( base ), at-fault accident .

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