Home Car insurance Car insurance calculator California car insurance calculator California car insurance calculator Use Insure.com's calculator to estimate the cost of car insurance in California based on the year, make and model of your car. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.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 onApril 15, 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 is essential in California, but finding the right plan at the right price isn’t always easy. That’s where our California car insurance calculator can help.Use our auto insurance calculator to see your estimated annual and monthly costs in California. It factors in your vehicle’s make and model so you can make informed coverage decisions. How to use our car insurance calculator to estimate your rates in CaliforniaGet a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.Step 1: Choose the model year of your carStep 2: Choose the make and model of your carStep 3: Choose your stateStep 4: Click on the “Get My Rates” button to get a car insurance estimatStep 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices California car insurance calculator Tell us about your car to get an estimate. Vehicle year Vehicle year2024202320222021202020192018201720162015 State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiIneosInfinitiJaguarJeepKiaLand RoverLexusLincolnLucidMaseratiMazdaMercedes-AMGMercedes-BenzMercedes-MaybachMiniMitsubishiNissanPolestarPorscheRamRivianSubaruTeslaToyotaVinFastVolkswagenVolvo Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD A-Spec AdvanceMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX 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 A-SpecTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type STLX 3.0T Type S High Performance Tire Vehicle already present. 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:How much does your vehicle model affect car insurance rates in California?Car insurance rates in California vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.A full coverage car insurance policy in California for a Honda Accord LX costs $2,987 annually, whereas a Honda CR-V costs $2,322 to insure in California – a difference of $665.Does your car’s model year affect insurance rates in California?In California, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $3,539 per year, while the 2024 model costs $2,875 annually to insure. Quick tip: Review your state’s minimum insurance requirements before choosing a policyEach state sets its own minimum car insurance requirements, and California is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.Driving without the required coverage in California 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 your car’s trim affects insurance rates in CaliforniaInsurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.For example, in California, full coverage car insurance for a 2023 Honda Accord LX costs $3,539 a year, while the higher-end Accord EX-L trim costs $2,854 annually – a difference of $685 per year.Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding. 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 CaliforniaBest and cheapest companies for home and auto bundles in CaliforniaSee more Car insurance estimate in CaliforniaDrivers in California pay an average of $3,010 per year or $251 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in California. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,010$251Liability Only – 50/100/50 BI/PD$1,016$85State Minimum BI/PD$751$63Non-Owners$394$33Powered by:.How car insurance prices compare across California citiesCar insurance premiums in California can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $4,876 per year in West Hollywood, compared to $2,258 in Mount Shasta.Top 20 cities with cheapest car insurance rates in CaliforniaCityAvg. Annual PremiumAvg. Monthly PremiumMount Shasta$2,258$188Yreka$2,294$191Weed$2,304$192Los Osos$2,360$197Red Bluff$2,361$197Pacific Grove$2,382$199Montague$2,391$199Cambria$2,399$200King City$2,408$201Weaverville$2,409$201Lakehead$2,413$201Durham$2,417$201Arroyo Grande$2,421$202Dunsmuir$2,421$202Orland$2,424$202Shingletown$2,428$202Blue Lake$2,439$203Paskenta$2,439$203Buellton$2,441$203Del Monte Forest$2,442$203Powered by:Top 20 cities with most expensive car insurance in rates CaliforniaCityAvg. Annual PremiumAvg. Monthly PremiumWest Hollywood$4,876$406Tarzana$4,839$403Valley Village$4,837$403Beverly Hills$4,800$400North Hollywood$4,696$391Panorama City$4,687$391Encino$4,660$388Van Nuys$4,614$385Glendale$4,562$380Reseda$4,556$380Studio City$4,468$372Sherman Oaks$4,439$370Sun Valley$4,421$368North Hills$4,343$362Northridge$4,306$359Tujunga$4,253$354Winnetka$4,245$354Los Angeles$4,201$350Universal City$4,178$348Calabasas$4,156$346Powered by: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$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearColorado$3,222/YearConnecticut$2,726/YearWashington, D.C.$3,394/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. 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? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in CaliforniaHow much does your vehicle model affect car insurance rates in California?Does your car's model year affect insurance rates in California?How your car's trim affects insurance rates in CaliforniaCar insurance estimate in CaliforniaHow car insurance prices compare across California citiesEstimate your California car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330