
Average insurance costs in California based on age, marital status, driving history, and other factors
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With over 27 million licensed drivers—more than any other state—California sees average auto insurance costs that are relatively moderate compared to national rates. One reason is the state’s lower liability insurance requirements and the fact that uninsured motorist coverage is optional, helping keep premiums in check.
However, what you pay for car insurance in California depends on many factors, including your ZIP code, driving record, age, and coverage level. In this guide, we’ll break down the average cost of minimum and full coverage in California and explain what influences your premium.
On average, car insurance in California is $1,899 annually ($158 monthly) for full coverage and $669 annually ($56 monthly) for minimum liability coverage.
Coverage level | Average annual cost in California | Average annual cost in the U.S. | CA difference from national average |
---|---|---|---|
Full | $1,899 | $2,399 | -21% |
Minimum liability | $669 | $635 | +5% |
Among California’s major cities, car insurance rates are cheapest in San Diego and San Jose, and most expensive in Los Angeles and San Francisco.
City | Annual average | Monthly average |
San Diego | $1,912 | $159 |
San Jose | $1,967 | $164 |
Fresno | $1,973 | $164 |
Sacramento | $2,063 | $172 |
Oakland | $2,202 | $184 |
San Francisco | $2,339 | $195 |
Los Angeles | $2,791 | $233 |
Teen and young drivers pay the most for car insurance in California because they tend to get into more traffic violations and accidents than drivers from other age groups. Drivers between the ages of 16 and 18 pay the most for car insurance on average, about $5,800 annually for full coverage, and drivers between the ages of 35 and 65 pay the least — $ 2,097 annually.
Here’s a full breakdown by age.
Age | Average yearly car insurance costs |
---|---|
16 | $6,361 |
18 | $5,255 |
20 | $3,242 |
25 | $2,921 |
Adults (ages 35 to 65) | $2,097 |
Seniors (age 65+) | $2,269 |
California is one of the only states that bans auto insurance pricing based on gender and credit score. Regardless of your gender or how bad your credit score is, insurance providers cannot use your credit history or gender identity to determine your rates. This is good news for those with bad credit but bad news for those with good credit.
Auto insurance companies rely heavily on driving history when determining your rates. As you may have guessed, drivers with histories of DUIs, accidents, and traffic violations will pay significantly more for auto insurance than safe drivers, on average.
Driving history | Average annual car insurance costs |
---|---|
Clean driving record | $1,899 |
Speeding ticket | $2,854 |
Accident | $3,047 |
DUI | $5,270 |
If you drive without car insurance in California, you might get your vehicle impounded and pay up to $200 for a first offense. Subsequent offenses within three years of the prior conviction may result in fines of up to $500.1
Below you can find California’s average auto insurance rates based on the company. Because companies cater to different types of drivers, your actual costs could be higher or lower based on your unique driving background and personal needs.
Company | Average annual car insurance costs |
---|---|
AAA | $1,998 |
Allstate | $2,118 |
GEICO | $1,469 |
Mercury | $1,604 |
Progressive | $1,715 |
State Farm | $2,299 |
USAA | $1,545 |
Price varies by provider and situation, but USAA and GEICO are typically the cheapest companies in California. USAA’s rates tend to be best, but it is only available to military members, veterans, and their families. For non-military members, GEICO usually has the cheapest rates.
Here’s the full breakdown of the cheapest car insurance by driver profile.
Category | Cheapest company | Annual cost |
---|---|---|
Full coverage | GEICO | $1,469 |
Minimum coverage | GEICO | $464 |
Military/veterans | USAA | $1,545 |
Teens | GEICO* | $3,919 |
Speeding ticket | GEICO* | $2,164 |
At-fault accident | GEICO* | $2,932 |
DUI | GEICO | $3,461 |
*USAA has cheaper rates in these categories, but is only available to the military community.
For some drivers, car insurance in California is expensive; for some, it’s too expensive to afford. That’s why California created the California Low-Cost Automobile Insurance Program (CLCA) in 1999: to provide income-eligible, safe drivers with liability insurance at affordable rates. In order to qualify, you need to meet the following requirements:
Outside of the CLCA program, follow best practices to get cheaper rates:
Here are the minimum car insurance requirements in California:
In 2025, California implemented the Protect California Drivers Act, which increased liability requirements for the first time in more than 50 years. This was meant to reflect the rising costs of car repairs, since the state set the previous minimum limits in 1967.4
California is an at-fault state, which means that the driver responsible for an accident has to pay for the damages/injuries relating to the accident.
California follows a pure comparative negligence fault law, which means that you can recover some claims for damages regardless of your percentage of fault. So even if you are 99 percent at fault, you can still recover 1 percent of your damages in an accident, as your compensation is reduced by your percentage of fault.
If you’re convicted of a serious traffic violation, you might have to request that your insurance provider file an SR-22 in California on your behalf. An SR-22 confirms that you have at least the minimum California auto insurance requirements.
Here are some reasons you might need an SR-22 in California:
According to the California DMV, you could get your license suspended if you don’t maintain your SR-22 certification for as long as the state requires you to have one.
Relative to the rest of the country, most drivers will pay lower-than-average rates for car insurance in California. While these numbers will vary from person to person and provider to provider, they are a good estimate of how much you may have to pay for auto insurance in The Golden State. Be sure to speak to your agent about additional ways you can save and take advantage of the CLCA program if you’re eligible.
We evaluate average car insurance rates in California for full and minimum coverage. When calculating premiums, we use good drivers with good credit and other driver profiles, including those with DUIs, speeding violations, poor credit, and teenagers. Our full coverage averages use these limits:
Premiums in California are actually lower than the national average — drivers in the Golden State pay about $1,899 annually, while nationally, drivers pay about $2,399 annually for full coverage. Depending on your driving background and personal history, you could get lower-than-average rates in California.
On average, car insurance in Los Angeles costs about $2,800 a year on average for full coverage.
GEICO offers the most affordable rates in California. Drivers can expect to pay $1,469 annually for full coverage and $464 for minimum coverage. USAA also has affordable car insurance, at an average of $1,545 for full coverage and $530 for minimum coverage.
Car rentals in California range from anywhere between $25 to $150 per day, according to several of the largest rental companies (Hertz, Midway Car Rental, etc.).
Many of the large providers, including GEICO and Progressive, have closed offices in California and are no longer providing quotes over the phone. The reason providers are backing out of California is that it’s become too expensive for them to insure people in the state.
In many cases, these providers still offer coverage in California, but you have to request a quote online or through the app.
Yes. $200 is higher than the average monthly cost of car insurance for full coverage, which is $158 per month. A monthly premium of $200 is about 26 percent more than the state average.
2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).
https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf
ARTICLE 2. Financial Responsibility [16020 – 16033]. California Legislative Information. (2023).
https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=16029.&lawCode=VEH
California Low Cost Auto. CA.gov. (2023).
https://www.ca.gov/service/?item=california-low-cost-auto
New law increases California’s auto insurance minimums. Los Angeles Times. (2025, Jan 3).
https://www.latimes.com/california/story/2025-01-03/new-law-increases-californias-auto-insurance-minimum
Automobile Insurance. California Department of Insurance. (2023).
https://www.insurance.ca.gov/flipbook/Automobile-Insurance/