Average Car Insurance Costs in California | SmartFinancial
California Car Insurance Rates by Age
typically car policy companies will charge more for younger drivers and provide discounted rates for older drivers. indemnity carriers see young drivers as inexperienced and have a greater risk of getting in accident. In California, the typical adolescent driver between the senesce of 16 and 19 will pay $ 236.64 per calendar month while a driver in their 40s will pay an median of $ 146.12 per month .
| Age | Avg monthly rate |
|---|---|
| 16 – 20 | $236.64 |
| 20s | $175.77 |
| 30s | $146.57 |
| 40s | $146.12 |
| 50s | $134.96 |
| 60s | $130.83 |
| 70s | $141.13 |
| Over 80 | $145.66 |
California Car Insurance Rates by Marital Status
marry couples in California typically pay more for their car insurance than drivers who are single. This likely due to the simple fact that there is more than 1 driver on the policy. Married couples besides will normally have more than one vehicle and could possibly have some adolescent drivers on the policy adenine well. In California, Married couple typically pay around $ 165.08 per month while unmarried drivers average in around $ 74.16 per month.
| Marital Status | Avg monthly rate |
|---|---|
| Divorced | $159.47 |
| Married | $165.08 |
| Separated | $74.16 |
| Single | $150.41 |
| Widowed | $33.95 |
Average Car Insurance Rates in California by Credit Score
many factors go into the rate you pay for cable car insurance. Your age, location, and vehicle are all part of the equation. policy companies besides take your credit grudge into consideration. In California, drivers with excellent citation give an average of $ 157.00 per calendar month compared to drivers with poor recognition who typically will pay $ 105.90 per month .
| Credit Rating | Avg monthly rate |
|---|---|
| Excellent | $157.00 |
| Good | $154.40 |
| Poor | $105.90 |
Car Insurance for High Risk Drivers in California
Drivers with a good drive history typically will pay less for car policy than person that had a DUI, speeding tickets, or an accident. Car policy companies see drivers with a bad drive history has being a bigger risk. Drivers in California with a dependable drive history normally pay about $ 153.41 per calendar month. Drivers with a badly driving history that may include tickets, DUI, or accidents will typically pay $ 156.17 per month .
| Safe Driver (No prior tickets, DUI, or accidents) | Avg monthly rate |
|---|---|
| High Risk Drivers | $156.17 |
| Safe Drivers | $153.41 |
California Auto Insurance Rates by Homeownership
indemnity companies will besides take homeownership into report when factoring the rate you pay for indemnity. In California, drivers who own their home will normally pay around $ 157.99 per calendar month while drivers who rent normally average in around $ 152.11.
| Homeownership | Avg monthly rate |
|---|---|
| Own | $157.99 |
| Rent | $152.11 |
Currently Insured vs. Uninsured in California
More much than not, drivers who presently have car policy coverage will receive a cheaper monthly rate than drivers who do not. Since car indemnity is a prerequisite in all 50 states, companies may question why you do n’t presently have coverage. Because of this, they may see you as a higher risk driver. In California, the average monthly rate for a driver who is presently insured is $ 140.69 while drivers who not presently covered will pay around $ 83.13
Read more: The Best Car Insurance Companies for 2022
| Coverage | Avg monthly rate |
|---|---|
| Not Currently Insured | $83.13 |
| Not Currently Insured | $140.69 |
| Currently Insured | $159.45 |
California Car Insurance by Education
car indemnity companies will besides look at your education level. Although not normally a meaning factor, your education can effect your monthly rate for car policy. In California, a driver with a high School Diploma will typically pay $ 119.58 per month vs. person with a Bachelors Degree who will be charged around $ 43.14 per calendar month .
| Education | Avg monthly rate |
|---|---|
| Associate Degree | $157.71 |
| Bachelors Degree | $145.92 |
| Doctorate Degree | $162.15 |
| High School Diploma | $119.58 |
| Less than High School | $43.14 |
| Masters Degree | $150.10 |
| Some College | $136.25 |
Liability vs. Full Coverage Car Insurance in California
Liability only coverage is typically cheaper and covers the price of damage you may cause to other people or vehicles. Full coverage includes comprehensive examination and collision indemnity, possibly PIP and UM/UMPD, which would cover you, your fomite and passengers if you had an accident, regardless of defect. In ( State ) the average rate for indebtedness merely coverage is approximately $ 83.09 per month compared to Full coverage which will cost you about $ 158.06 per calendar month .
| Coverage | Avg monthly rate |
|---|---|
| Full Coverage | $158.06 |
| Liability Only | $83.09 |
Methodology The statistics listed on this page are from our own in firm report. We track and record quotes that carriers have provided based on versatile criteria. The rates and averages shown on this page should entirely be used as an estimate .