California Car Insurance Rates
Average auto insurance rates in California for 2019 are $1,602 a year for full coverage insurance. Comprehensive insurance, collision, and liability insurance cost approximately $356, $652, and $414, 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: $1,602
Price estimates by type of coverage:
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 $492 for basic liability insurance to the much higher price of $3,460 for a driver required to buy high-risk insurance.
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.
Companies will appear below. Or click to load full page.
Recommended Companies for Cheap California Insurance
The chart estimates California car insurance prices for different situations. The lowest price with discounts is $920. California drivers who use higher $1,000 deductibles will pay about $1,372. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,602. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $2,046. Drivers with multiple violations and accidents could be charged at least $3,460. The rate for full coverage for a teenager can be as high as $5,896.
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 $680 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 $372 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 $2,600. 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.
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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% 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.
|Rank||Company||Market Share||Average Rate|
|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 $1,500 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 $5,800 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
- Cheapest California Auto Insurance
- Cheap Auto Insurance Quotes for a Toyota Tacoma in California
- Cheapest Auto Insurance for Teenagers in California
- Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in California
- Cheap Auto Insurance Quotes for High Risk Drivers in California
- Who Has the Cheapest Insurance Quotes for a Ford Fusion in California?
- Cheap Car Insurance Quotes for Drivers Under 21 in California
- How Much are Insurance Quotes for a Toyota Tundra in California?
- Who Has Cheap Auto Insurance for Drivers Requiring a SR22 in California?
- How Much is Car Insurance for Good Drivers in California?
- Cheap Insurance Quotes for a Honda Accord in California
- Who Has Cheap Insurance for a Ford Explorer in California?
Car Insurance Articles for California Cities
Read about how to save money on auto insurance in some of the larger cities in California below.
Compare Rates Now
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$120|
|5-yr Claim Free||$103|
|Paid in Full/EFT||$75|
Discounts are estimated and may not be available from every company or in every state.