California Car Insurance Calculator
Calculate your auto insurance cost in California. Compare with state averages and find savings.
$2,291
Avg Annual Premium
15/30/5
Min Liability
Monthly Avg
$191
Full Coverage
$2,945
Min Coverage
$756
Uninsured Rate
16.6%
California Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$5,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in California
High traffic densityExpensive repairsWildfire riskTheft rates
Major Metro Areas in California
Los AngelesSan FranciscoSan DiegoSan JoseSacramentoOaklandFresno
FAQ
California Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in California
The average annual car insurance premium in California is $2,291, or about $191 per month. Full coverage averages $2,945 annually, while minimum coverage averages $756. Your actual rate depends on your age, driving record, vehicle, and coverage level.
California requires minimum liability coverage of 15/30/5 ($15,000/$30,000 for bodily injury and $5,000 for property damage).
Key factors affecting California car insurance rates include: High traffic density, Expensive repairs, Wildfire risk, Theft rates. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 16.6% of drivers in California are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your California car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in California include: State Farm, GEICO, Progressive, Farmers, AAA. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
CA Insurance Costs
Average premiums in California:
- Annual Average$2,291
- Monthly Average$191
- Full Coverage$2,945
- Minimum Coverage$756
CA Requirements
Minimum coverage required:
- Liability15/30/5
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate16.6%
Top CA Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Farmers
- •AAA