Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in California Average car insurance cost in California In California, a full-coverage car insurance policy will cost you an average of $3,010 annually or $251 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in California, your monthly cost for full coverage car insurance is $251, which adds up to $3,010 per year. For minimum coverage, expect to pay an average of $63 monthly, or $751 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $3,010 / Year Average per month cost $251 Average cost for state minimum coverage $1,016 / Year Cheapest car insurance company GEICO$2,038 / Year Average cost for young drivers $4,391 / Year Average cost for Senior drivers $3,016 / Year 012345 1 of 6 Average car insurance cost in CaliforniaDrivers in California generally pay an average of $251 per month or $3,010 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $63 or $751 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in CaliforniaIf you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $2,038 per year or $170 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Kemper also provides affordable insurance rates in California for a full coverage policy at an average annual insurance cost of $2,584 or $215 monthly.While these companies offer some of the lowest average premiums in California, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in California Graph Table Company nameAverage per month costAverage annual costGEICO$170$2,038Kemper$215$2,584Progressive$224$2,684Mercury Insurance$232$2,782CSAA Insurance (AAA)$240$2,874Auto Club Enterprises (AAA)$247$2,967State Farm$257$3,078Farmers$284$3,409Travelers$300$3,604Allstate$327$3,922Nationwide$352$4,227USAA*$173$2,080*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: California car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra California Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State California Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,375/year Full Coverage$3,704/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in CaliforniaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $63 per month, or $751 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In California, the average cost for full coverage is $251 per month, or $3,010 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$751Liability only$1,016Full coverage$3,010Non-owner state minimum liability$394Powered by: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 citySee rates in your cityFresnoLos AngelesSan DiegoSan FranciscoSan Jose Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in California by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Los Angeles, Oakland or San Francisco, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like San Diego or San Jose pay significantly low insurance rates, on average between $2,835 and $2,918 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costSan Diego$2,835San Jose$2,918Fresno$2,936Bakersfield$3,053Anaheim$3,143Long Beach$3,279Sacramento$3,283Oakland$3,466San Francisco$3,466Los Angeles$4,201Powered by:Average car insurance cost in California by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in California for a full coverage policy based on your age and gender.Average car insurance cost in California for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in California pay an average of $5,120 per year for car insurance, while females of the same age pay $5,120.But by the time you turn 25, insurance premiums drop to $3,629 a year on average for male drivers and $3,629 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,120$5,12021$4,564$4,56422$4,317$4,31723$4,122$4,12224$3,860$3,860Powered by:Average car insurance cost in California for adult driversOn average, an adult male driver in California pays $3,052 a year for full coverage or $254 per month. Women pay $3,052 a year or $254 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,629$3,62930$3,184$3,18435$3,075$3,07540$3,010$3,01045$2,964$2,96450$2,914$2,91455$2,867$2,86760$2,812$2,812Powered by:Average car insurance cost in California for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,840 per year, while women pay $2,840. But by age 70, average premiums rise to $3,022 for men and $3,022 annually for women. At 75, rates increase even further – $3,190 for male drivers and $3,190 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,840$2,84070$3,022$3,02275$3,190$3,190Powered by:Minimum car insurance requirements in CaliforniaWhether you’re buying your first insurance policy or just moved to California, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in California must carry at least the following minimum liability coverage:Bodily injury per person: $30,000Bodily injury per accident: $60,000Property damage liability: $15,000Cheapest cars to insure in CaliforniaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Honda CR-V is one of the cheapest cars to insure in California, with an average premium of $2,322 per year. Subaru Forester has an average annual cost of $2,368.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumHonda CR-V$2,322Subaru Forester$2,368Volkswagen Tiguan$2,370Honda HR-V$2,380Honda Odyssey$2,384Chevrolet Express$2,455Honda Pilot$2,472Mazda CX-5$2,480Hyundai Tucson$2,485Hyundai Kona$2,501Powered by:Most expensive cars to insure in CaliforniaMercedes-AMG GT tops the list as the most expensive car to insure in California, at an average annual cost of $8,063. Below is a list of the most expensive vehicles to insure in California and their average annual premiums.Make ModelAverage annual premiumMercedes-AMG GT$8,063Maserati Quattroporte$7,758Mercedes-AMG EQS$7,571Porsche 911 Turbo$7,408Porsche Taycan$7,098Tesla Model X$7,043BMW i7$6,992Maserati Ghibli$6,952Porsche Taycan Cross Turismo$6,948Mercedes-AMG SL-Class$6,858Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in CaliforniaCheapest car insurance companies in CaliforniaAverage cost of car insurance by coverage levels in CaliforniaAverage car insurance cost in California by cityAverage car insurance cost in California by ageMinimum car insurance requirements in CaliforniaCheapest cars to insure in CaliforniaMost expensive cars to insure in CaliforniaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330