Home Car insurance Car insurance calculator California car insurance calculator California car insurance calculator Use our car insurance calculator to estimate rates in California based on your vehicle, coverage, and location. Compare options to find the right policy for your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onJuly 31, 2026 Why you can trust Insure.com Quality Verified 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. Car insurance costs in California depend on more than just your zip code. Your vehicle, coverage level, and driving history all play a role – and the difference between the cheapest and most expensive options can be hundreds of dollars a year. Enter a few details below to get a quick estimate and see what you might actually pay. How to use our car insurance calculator to estimate your rates in CaliforniaGetting your estimate takes less than a minute. Here’s how:Choose the model year of your carChoose the make and modelSelect California as your stateClick ‘Get My Rates’ to see your estimateAdd more vehicles to expand your options, or click ‘Get quotes’ to compare live policies and prices 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 Minimum$978/year Liability coverage$1,544/year Full Coverage$3,632/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by: What affects your car insurance rate in California? Your car’s make, model, year and trimYour location within CaliforniaYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in California?A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.For example, full coverage for a Honda Accord LX costs $3,533 per year in California, while a Honda CR-V averages $2,878 – a difference of $655. A popular car doesn’t always mean cheaper insurance High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle. Does your car’s model year affect insurance rates in California?Newer cars generally cost more to insure because they are more expensive to repair or replace. In California, insuring a 2024 Honda Accord LX costs $3,418, while the 2025 version costs $3,503.However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high. Check your state’s minimum coverage requirements Each state sets minimum insurance requirements, including California. To drive legally, you’ll need liability coverage that typically includes:Bodily injury liability per person and per accidentProperty damage liability According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage can lead to fines, license suspension and even vehicle impoundment. 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 How does your car’s trim affect insurance rates in California? Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.For example, in California, full coverage for a 2024 Honda Accord LX costs $3,418 annually, while the Accord EX-L trim costs $3,435 – a difference of $17.Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk. You might find interesting Explore related topics Average car insurance cost in CaliforniaCalifornia car insurance: Rates, state minimum requirements and best companiesCar insurance calculator for teens in CaliforniaCheapest SR-22 insurance in CaliforniaDo you need insurance to register a car in California?How long does a speeding ticket stay on your record in CaliforniaHow much car insurance costs in California vs. FloridaHow much car insurance costs in California vs. NevadaHow much car insurance costs in California vs. New YorkHow much car insurance costs in California vs. OregonHow much car insurance costs in California vs. TexasHow much car insurance costs in California vs. WashingtonHow much is gap insurance in CaliforniaLow-cost car insurance in CaliforniaNon-owner car insurance in California: Which company has the cheapest rates?The best and cheapest car insurance in CaliforniaSee more That upgrade can cost more than you expect Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in California?The average cost of full coverage car insurance in California is $3,444 per year, or $287 per month. That figure is a useful starting point, but your actual rate can land well above or below it depending on your vehicle, coverage choices, and personal profile.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,444$287Liability Only – 50/100/50 BI/PD$985$82State Minimum BI/PD$897$75Non-Owners$500$42Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It can also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in California?Your ZIP code within California can have a major impact on your premium. Insurers evaluate traffic patterns, accident frequency, weather risks and theft rates – which is why similar drivers may pay very different rates depending on where they live.Full coverage costs $4,772 per year in Florence-Graham, compared to $2,586 in Mount Shasta.Top 20 cities with cheapest car insurance rates in CaliforniaThese locations tend to have the lowest premiums due to lower risk factors like traffic and claims.CityAvg. Annual PremiumAvg. Monthly PremiumMount Shasta$2,586$216Yreka$2,625$219Weed$2,671$223Los Osos$2,727$227Montague$2,738$228Red Bluff$2,750$229Pacific Grove$2,762$230Cambria$2,777$231Weaverville$2,778$232Durham$2,779$232Dunsmuir$2,784$232Shingletown$2,792$233Orland$2,799$233Blue Lake$2,807$234Arroyo Grande$2,808$234Etna$2,812$234King City$2,817$235Capitola$2,819$235Arcata$2,824$235Crescent City$2,826$235Powered by:Top 20 cities with most expensive car insurance rates in CaliforniaThese areas typically have higher premiums due to increased traffic, accidents and claims.CityAvg. Annual PremiumAvg. Monthly PremiumFlorence-Graham$4,772$398Tarzana$4,739$395Pacoima$4,713$393Granada Hills$4,665$389Canoga Park$4,648$387Northridge$4,642$387Willowbrook$4,598$383Panorama City$4,587$382Camp Pendleton$4,545$379West Hollywood$4,543$379Beverly Hills$4,521$377Van Nuys$4,494$375Inglewood$4,479$373Montrose$4,479$373Encino$4,445$370North Hollywood$4,437$370Universal City$4,435$370Porter Ranch$4,413$368Winnetka$4,397$366Sunland$4,394$366Powered by: If you’re moving within California, check insurance rates before you go Moving to a more populated area can raise your insurance costs by hundreds per year – even if nothing else changes. Frequently asked questions What is the average cost of car insurance in California? The average full coverage cost in California is $3,444 per year, or $287 per month. Your actual rate will vary based on your profile and coverage. How can I lower my car insurance premium in California? To lower your premium, compare quotes, raise your deductible, bundle policies, maintain a clean driving record and choose a lower-risk vehicle. Discounts for safe driving and low mileage can also help. Does my credit score affect car insurance rates in California? Many insurers use credit-based scores to help set rates, with higher scores typically leading to lower premiums. Some states restrict this, so check the rules in California. Sources:Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your California car insurance cost with our calculatorOur California car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? 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How much does car insurance cost in California?How do car insurance rates vary by city in California?Frequently asked questionsEstimate your California car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates 1-833-708-5453