You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow stern guidelines to ensure that our column content is not influenced by advertisers. Our editorial team receives no lead compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable data. We prize your trust. Our deputation is to provide readers with accurate and indifferent information, and we have column standards in home to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ ra interpretation is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive aim compensation from our advertisers. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ ra putting your interests inaugural. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. Bankrate follows a nonindulgent column policy, so you can trust that we ’ rhenium putting your interests first. All of our content is authored by highly qualify professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track commemorate of helping people make fresh fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take future. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Drivers in the Golden State pay an average of $ 2,065 per year, or about $ 172 per calendar month, for full coverage cable car policy, according to Bankrate ’ sulfur 2021 survey of quote annual premiums. To determine the average monetary value of car insurance in California, our insurance column team reviewed average rates provided by Quadrant Information Services for metro areas across the express. Compared to the national median price of full coverage car indemnity, which is $ 1,674 per year, California car insurance rates are quite a spot higher. Knowing the average price of car indemnity for assorted cities in California, car policy companies, long time groups and driving histories may help you understand if your policy is competitively priced. Bankrate ’ s inquiry could besides help you find ways to lower your premium, which could potentially save you hundreds of dollars per year. light bulb
Key takeaways
- According to Bankrate’s analysis, Grange offers the cheapest average minimum coverage auto insurance premium on our list at $520 per year, while Capital offers the most competitive rates for full coverage at $1,582 annually.
- Drivers in Los Angeles pay the most by far for auto insurance, according to our research, with an average rate for full coverage insurance of $2,838 per year, 37% above the state average.
- California parents adding a 16-year-old driver to their full coverage auto insurance policy can expect an average annual increase of $3,744 per year.
How much is car insurance in California?
Full coverage car insurance costs an average of $ 2,065 per year in California. The median cost for state minimal coverage is $ 733 per year. While the average car indemnity rates in California could help you determine if you are overpaying for coverage, keep in mind that your premium will vary based on about a twelve individual rat factors like the type of cable car you drive, your motive vehicle criminal record, claims history and how many miles you drive per year. Where you live in the state of matter and the coverage types and limits you choose will besides greatly affect your rate .
California car insurance rates
| Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|
| $733 | $2,065 |
California car insurance rates by city
car policy rates in California vary by city. Drivers in dumbly populate areas tend to have higher rates. Having more vehicles on the road could mean a greater luck of an accident. other factors, such as the costs for vehicle repairs, parts and medical expenses can besides impact how much drivers in a given city pay for coverage.
California car insurance rates by company
car indemnity companies in California use their own proprietorship rate methods to determine premiums, so rates will vary between insurers. Bankrate analyzed premiums from the top 20 California car insurance companies by grocery store share to help you see how respective carriers stack up against each other .
Cost of living in California and car insurance
When shopping for the best car insurance rates in California, you may want to view your insurance premium alongside your other expenses to help get a clear painting of your overall be costs. The graph below shows the average annual price of live in California, including the average cost of car indemnity. Use this graph as a steer to help determine your overall expenses so that you can decide what insurance rates fit in your budget .
California car insurance rates by age
A driver ’ randomness age frequently contributes to the monetary value of annual premiums, as it can indicate how statistically risky a driver is. adolescent drivers are hit the hardest. 16-year-old drivers in California typically increase their parents ’ premium by $ 3,744 per year. Fortunately, California car insurance rates typically drop in price as drivers long time ( starting at historic period 20 ) — american samoa long as they avoid accidents and citations. *16-year-old calculated on parent ’ sulfur policy disclosure ; 18- and 20-year-old are renters
California car insurance rates by gender
California prohibits the use of sex as a rat factor for car insurance policies. If all early factors are the like, your sex should not influence your cable car insurance bounty .
California car insurance rates by credit score
In many states, your credit-based insurance sexual conquest will affect how much you pay for car insurance. This is because drivers with abject credit scores statistically tend to file more claims than drivers with higher credit scores, according to the Insurance Information Institute ( Triple-I ). however, California bans the use of credit scores to rate car policy policies. Your citation evaluation should not impact your premium in the Golden State .
California car insurance rates by driving record
Your motor vehicle commemorate is one of the biggest influences on your car indemnity premiums. In California, a single rush slate could increase the cost of your car policy by 40 %. The table below demonstrates the average premium increases for a accelerate ticket, an at-fault accident and a DUI conviction. Any one of these infractions could cause you to be viewed as a bad driver. If you have multiple incidents on your drive record within a three- to five-year time menstruation, your rates will likely be even higher .
| Driving incident | Average annual full coverage premium | % increase in average annual premium |
|---|---|---|
| Clean driving record | $2,065 | 0% |
| Speeding ticket | $2,885 | 40% |
| Accident | $3,412 | 65% |
| DUI | $4,988 | 142% |
If you are concern about how an accident could affect your policy bounty, you may want to choose an car insurance company that offers accident forgiveness. If you have this program on your policy before an accident, it could help you avoid surcharges for at-fault losses .
California car insurance rates by vehicle type
The type of vehicle you drive besides impacts your car policy premium. different fomite makes and models have different statistical accident rates, different safety features and different prices for parts and undertaking, all of which can affect car indemnity costs. Below is a postpone showing the average California car insurance rates for some popular vehicle makes and models. Keep in take care that rates will besides vary by the year of your vehicle, since updates to models can bring changes in safety features and the price of parts and labor .
Frequently asked questions
How much is car insurance in California per month?
Full coverage car policy costs an average of $ 172 per month and minimum coverage costs $ 49 per calendar month, on average, in California. Your rates may be higher or lower depending on your individual rat factors, according to the Triple-I .
What is the average cost of minimum coverage in California?
minimal coverage costs an average of $ 733 per year in the Golden State. California drivers are required by jurisprudence to purchase liability indemnity with coverage limits of at least $ 15,000 for bodily wound per person, $ 30,000 for bodily injury per accident and $ 5,000 for property damage. however, the Triple-I recommends you consider purchasing coverage levels above the state minimums for fuller fiscal protection. It is authoritative to note that the state ’ second minimum coverage does not include any coverage for your fomite if you are at defect in an accident. If you have a leased or financed car, you will probable need to carry fully coverage, which includes comprehensive examination and collision. Buying the cheapest car insurance in California could help keep your premium down, but besides increases your risk of hefty out-of-pocket expenses if you cause a good accident .
What are the cheapest car insurance companies in California?
Bankrate ’ s analysis of the cheapest car indemnity in California membership Geico, Grange and Mercury as the top three insurers for minimum coverage. capital, Wawanesa, Mercury and Geico offer the lowest rates for wax coverage car insurance on our list. however, your rates will vary based on your individual rat factors. The cheapest company for you could be much different compared to another driver, which is why getting quotes from several carriers can be helpful when purchasing car policy .
What is the best car insurance company in California?
Based on our research, Geico, Progressive, State Farm and Wawanesa are among the best car policy companies in California. however, the best company for your needs will depend on what you want and need from an car insurance company. Understanding your preferences and getting quotes from several different carriers could help you find the justly fit for your circumstances .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, dependable credit rating and the trace wax coverage limits :
- $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 minimal coverage limits, Bankrate used minimum coverage that meets each state ’ south requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( basal : 40 years ) applied. Depending on senesce, drivers may be a renter or homeowner. For teens, rates were determined by adding a 16- or 17-year-old adolescent to a 40-year-old marry couple ’ randomness policy. The rates displayed reflect the add cost to the parents ’ policy. Based on quote annual premiums, it does not appear Hawaii uses age as a put up gene.
Read more: Car Insurance for 22-Year-Olds | Bankrate
Gender: Seven states prohibit using gender as a determining factor in calculating car insurance premium : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. Credit: Rates were calculated based on the trace policy accredit tiers assigned to our drivers : “ poor, modal, good ( al-qaeda ) and excellent. ” Insurance credit tiers factor in your official insurance-based credit scores but are not subject on that variable alone. Five states do not allow recognition to be used as a divisor in determining car indemnity rates : California, Hawaii, Massachusetts, Michigan and Washington. Incident: Rates were calculated by evaluating our floor profile with the trace incidents applied : clean record ( infrastructure ), at-fault accident, single rush ticket, single DUI conviction and lapse in coverage .