California Car Insurance Rates

Average auto insurance rates in California for 2018 are $1,500 a year for full coverage insurance. Comprehensive insurance, collision, and liability insurance cost approximately $334, $610, and $388, respectively. Los Angeles and Glendale have more expensive car insurance rates, and the three most popular companies in California are State Farm, Farmers Insurance, and Allstate.

Average rate for full coverage: $1,500

Price estimates by type of coverage:

Comprehensive $334
Collision $610
Liability $388

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Auto Insurance in California

For an average driver, California insurance prices go from as cheap as $460 for basic liability insurance to the much higher price of $3,240 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,500
High Risk $3,240

These price ranges illustrate why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get accurate rates for your location.

Enter your California zip code below to view companies that have cheap auto insurance rates.

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California car insurance rate comparison chart
Column chart showing California car insurance prices range from $860 to $5,522 for full coverage

The chart estimates California car insurance prices for different situations. The lowest price with discounts is $860. California drivers who use higher $1,000 deductibles will pay about $1,286. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,500. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,916. Drivers with multiple violations and accidents could be charged at least $3,240. The rate for full coverage for a teenager can be as high as $5,522.

Car insurance rates in California are also quite variable based on the make and model of your vehicle, your risk profile, and physical damage deductibles and liability limits.

Using high physical damage deductibles could cut prices by as much as $630 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

The area you live in has a huge impact on auto insurance rates. Less congested rural areas could see prices as low as $1,200 a year, whereas some neighorhoods in Los Angeles and Glendale may see rates upwards of $2,500. Even different neighborhoods within a few miles of each other in the same city can have significantly different rates.

These geographic rate differences emphasize the importance of getting rates for your specific zip code.

View Chart as Image

California insurance rates by city

Your choice of vehicle is a large factor when calculating the price of car insurance in California. Driving a cheaper and lower-performance vehicle will save money on insurance primarily due to lower repair costs and reduced frequency of accidents. The next table shows insurance cost estimates for the most popular vehicles in California.

California Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,5845.3%
Dodge Ram$1,6267.7%
Ford Escape$1,250-20%
Ford Focus$1,450-3.4%
Ford Fusion$1,5925.8%
Ford F-150$1,410-6.4%
GMC Acadia$1,380-8.7%
GMC Sierra$1,5583.7%
Honda Accord$1,400-7.1%
Honda Civic$1,6408.5%
Honda CR-V$1,216-23.4%
Honda Pilot$1,424-5.3%
Hyundai Sonata$1,5221.4%
Kia Optima$1,5523.4%
Nissan Altima$1,5442.8%
Nissan Rogue$1,5080.5%
Toyota Camry$1,5281.8%
Toyota Corolla$1,494-0.4%
Toyota Prius$1,394-7.6%
Toyota RAV4$1,414-6.1%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Your auto insurance company definitely affects the cost of coverage. Every insurance company has a slightly different rate calculation, and prices have large differences based upon different risk factors. In California, car insurance prices range from $1,132 with USAA to as high as $2,526 with Auto Club. Companies like Wawanesa, Century National, and CSAA fall somewhere in between.

These are probably not the exact rates you would pay, as your vehicle make and model, your driving history, and your location in California have to be factored in.

California Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm14.45%$1,716
2Farmers Insurance12.45%$1,986
3Allstate8.74%$1,528
4Mercury General8.27%$1,518
5Auto Club8.11%$2,526
6Geico7.81%$1,544
7CSAA6.58%$1,210
8USAA4.49%$1,132
9Progressive4.17%$1,527
10Liberty Mutual3.40%$2,241
Get Your Rates Quote Now

Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,500 a year. View Rates by Age

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

California Auto Insurance Articles

Car Insurance Articles for California Cities

Read about how to save money on auto insurance in some of the larger cities in California below.

Los Angeles

San Diego

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Rates by Driver Age

California Insurance Rates by Driver Age
Driver AgePremium
16$5,522
20$3,462
30$1,568
40$1,500
50$1,370
60$1,344

Full coverage, $500 deductibles

Rates by Deductible

California Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,916
$250$1,722
$500$1,500
$1,000$1,286

Full coverage, driver age 40

Rates by Liability Limit

California Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,500
50/100$1,578
100/300$1,675
250/500$1,927
100 CSL$1,616
300 CSL$1,830
500 CSL$1,985

Full coverage, driver age 40

Rates for High Risk Drivers

California Car Insurance Rates for High Risk Drivers
AgePremium
16$7,884
20$5,500
30$3,318
40$3,240
50$3,088
60$3,060

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $208

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$80
Multi-vehicle$77
Homeowner$21
5-yr Accident Free$113
5-yr Claim Free$97
Paid in Full/EFT$70
Advance Quote$75
Online Quote$107
Total Discounts$640
Rate after discounts $860

Discounts are estimated and may not be available from every company or in every state.

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