Average car insurance cost in California
California sits in the pricier half of the country at #33 of 51, with average premiums about 6% above the national average — roughly $156 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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California car insurance FAQ
How much is car insurance in California?
Full-coverage car insurance in California averages $221 per month ($2,652 per year). A state-minimum liability policy averages $75 per month ($900 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in California more expensive than average?
Yes. California's full-coverage average of $221/month is about 6% above the U.S. average of $208/month, ranking #33 of 51 (1 = cheapest).
Is California a no-fault state?
No. California is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in California?
Minimum liability in California averages $75/month versus $221/month for full coverage — a gap of $146/month, or $1,752/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.