California car insurance calculator

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If you’re driving in California, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our California car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in California. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

How to use the California car insurance calculator

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car
Step 3: Choose the state in which you currently reside or require car insurance coverage.
Step 4: Simply click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Increase your options further by including additional vehicles, or take the next step towards purchasing car insurance by clicking on “get quotes” button.

California car insurance calculator

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Vehicle Make

Vehicle Model

State

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Matching results for your car

Year

State

State Minimum Coverage

Liability Coverage

Full Coverage

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Where we got the information for this calculator?
Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023 in each state. Utilizing this data, we have constructed a free car insurance estimator California, which will assist users in obtaining a quick estimate of car insurance costs in California.

How much is vehicle model important in calculating car insurance in California

Car insurance rates in California can be significantly influenced by the make and model of your vehicle. Insurers take into account a range of factors, including the specific make and model of your car, when calculating premiums.

Let’s take a look at the costs. If you have a 2022 Acura ILX 2.4L, you might pay $2,280 each year for full coverage. On the other hand, if you have a Toyota 4Runner Limited in California, the yearly insurance might be $2,136. So, it’s $144 less compared to the Acura ILX 2.4L.

How insurers calculate car insurance in California using car model year

In California and lots of other places, how old your car is can change how much you pay for insurance. For example, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $2,090 a year for insurance. But if it’s a 2022 Chevrolet Blazer 2LT, the yearly insurance rate could be $2,216.

“According to California Department of Motor Vehicles, the minimum liability insurance requirements for private passenger, commercial and fleet vehicles is $15,000 for injury/death to one person. $30,000 for injury/death to more than one person. $5,000 for damage to property.“

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in California by city

Does the cost of car insurance in California decrease as a vehicle gets older?

In general, car insurance costs decrease for older car models in California. As a vehicle ages, it typically loses value due to depreciation. Since car insurance covers the cost of repair or replacement of a vehicle, the insurance company’s liability decreases when insuring an older vehicle. This results in lower California car insurance premiums.

Individuals driving a 2020 Honda Accord LX in California pay $166 monthly for a full coverage car insurance policy; conversely, car insurance for the 2022 Honda Accord LX costs every month in California is $175 which is $9 more than the 2020 model.

Older vehicles may be less attractive to thieves than newer models with advanced security features. The lower risk of theft can also lead to lower insurance premiums.

Car insurance cost estimate in California

The typical cost for car insurance in California is around $2,115 annually or $176 per month. However, your actual premium might differ depending on the coverage you select. Here’s an estimate of car insurance expenses in California for various coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$864	$2,115	$323	$582

Refer to the above cost data to find out the average cost of car insurance in California.

The bottom line: California car insurance calculator

The California car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.