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: September 30, 2025 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 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 Average car insurance cost in CaliforniaIf you’re a resident of California, full coverage car insurance typically costs about $251 per month, adding up to $3,010 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $63, or $751 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.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: Updated with latest data California car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State California Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $1,375/Year OR $115/month Full Coverage $3,704/Year OR $309/month California Get Quote Get Quote 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 - + *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. Average cost of car insurance by coverage levels in CaliforniaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $63 per month or $751 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In California, drivers typically pay $251 per month or $3,010 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 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 cityWhere you live in California can have a big impact on your car insurance rates.If you’re located in cities like Los Angeles, Oakland, or San Francisco, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like San Diego and San Jose tend to pay much lower insurance premiums, between $2,835 and $2,918 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in California, based on age and gender.Average car insurance cost in California for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in California pays an average of $5,120 annually for car insurance, compared to $5,120 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,629 per year for male drivers and $3,629 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 driversAn adult driver aged 25-60 in California pays $3,052 annually for full coverage, or around $254 each month. Women in the same age group pay $3,052 per year or $254 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,840 annually, while women pay $2,840.By 70, average rates go up to $3,022 for men and $3,022 for women. At age 75, costs increase further, reaching $3,190 for men and $3,190 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 CaliforniaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda CR-V has the lowest premium, at an average of $2,322 a year, closely followed by Subaru Forester, with an average annual car insurance cost of $2,368.The table below shows the cheapest cars to insure and their average annual 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 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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 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