Average Cost of Car Insurance in California for 2024 | Bankrate (2024)

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Average Cost of Car Insurance in California for 2024 | Bankrate (1)Written by

Mary Van Keuren

Average Cost of Car Insurance in California for 2024 | Bankrate (2)Edited by

Maggie Kempken

Average Cost of Car Insurance in California for 2024 | Bankrate (3)Reviewed by

Mark Friedlander

Average Cost of Car Insurance in California for 2024 | Bankrate (4)Edited by

Maggie Kempken

Average Cost of Car Insurance in California for 2024 | Bankrate (5)Reviewed by

Mark Friedlander

Updated Sep 16, 2024

The average cost of car insurance in California is $2,645 per year for full coverage and $631 per year for minimum coverage.

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Average Cost of Car Insurance in California for 2024 | Bankrate (6)

Average Cost of Car Insurance in California for 2024 | Bankrate (7)

Average Cost of Car Insurance in California for 2024 | Bankrate (8)

Average Cost of Car Insurance in California for 2024 | Bankrate (9)

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How much is car insurance in California?

Full coverage car insurance costs an average of $2,645 per year in California. The average cost for state minimum coverage is $631 per year. Nationally, full coverage costs $2,348, and minimum coverage costs $639 on average per year, so California is an expensive place to buy insurance. To determine the average cost of car insurance in California, our insurance editorial team reviewed average rates provided by Quadrant Information Services for a range of driver profiles.

Keep in mind that you are unlikely to pay a rate that matches the averages. Your insurer uses a handful of rating factors to determine what you will pay for your policy. Some of these, like your age or location, may be beyond your control. But others, such as your driving record and the type of car you drive, could be factors you can influence to help keep your rate low. Maintaining a clean driving record, with no moving violations or accidents, is one of the best ways to keep your premium reasonable.

Key takeaways

  • The average monthly premium for minimum coverage in California is $53. The average monthly premium for full coverage is $220 in California.
  • Drivers in Los Angeles, according to our research, pay an average rate for full coverage insurance of $3,603, 36 percent more than the state average.
  • California parents adding a 16-year-old driver to their full coverage auto insurance policy can expect an average premium of $6,459 per year.
  • Drivers with a DUI on their license pay an average of $6,773 annually, which is 156 percent more than the state average

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California car insurance rates by city

Car insurance rates in California vary by city. Drivers in densely populated areas tend to have higher rates. For example, drivers in Los Angeles pay 36 percent more than the state average for full coverage, and the average cost in San Francisco is 13 percent more than the state average. There are several reasons why urban customers may pay more than rural customers, namely that driving in dense traffic increases the likelihood of an accident. Other factors, such as the costs for vehicle repairs, parts and medical expenses can also impact how much drivers in a given city pay for coverage.

CityAvg. monthly full coverage premiumAvg. annual full coverage premiumAvg. savings vs. state average

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Rates refreshed as of Sep 2024

Read our full methodology

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in California

Your age is one factor that is likely to impact your car insurance rate. Young drivers, especially those still in their teens, are statistically the age group that is involved in the highest number of accidents. Young drivers don't have as much experience behind the wheel, and are more likely to engage in risky behaviors such as texting while driving. Because of this, they are more likely to file claims, and those increased claims lead insurers to raise their rates to protect themselves financially. As drivers enter their twenties, all other factors being equal, they will probably see their rates start to drop—a trend that is likely to continue until they reach their seventies.

Unlike most states, California does not allow car insurance companies to consider gender when determining rates. As a result, your gender should not play a role in determining your California car insurance premium.

Age

Avg. monthly full coverage premium in CA

Avg. annual full coverage premium in CA

Age 16*

Avg. monthly full coverage premium in CA

$538

Avg. annual full coverage premium in CA

$6,460

Age 18

Avg. monthly full coverage premium in CA

$579

Avg. annual full coverage premium in CA

$6,947

Age 20

Avg. monthly full coverage premium in CA

$405

Avg. annual full coverage premium in CA

$4,857

Age 25

Avg. monthly full coverage premium in CA

$284

Avg. annual full coverage premium in CA

$3,408

Age 30

Avg. monthly full coverage premium in CA

$245

Avg. annual full coverage premium in CA

$2,942

Age 40

Avg. monthly full coverage premium in CA

$229

Avg. annual full coverage premium in CA

$2,743

Age 50

Avg. monthly full coverage premium in CA

$218

Avg. annual full coverage premium in CA

$2,620

Age 60

Avg. monthly full coverage premium in CA

$210

Avg. annual full coverage premium in CA

$2,521

Age 70

Avg. monthly full coverage premium in CA

$224

Avg. annual full coverage premium in CA

$2,692

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Caret DownCaret Up

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Rates refreshed as of Sep 2024

Read our full methodology

Age

Avg. monthly full coverage premium in CA

Avg. annual full coverage premium in CA

Age 16*

Avg. monthly full coverage premium in CA

$538

Avg. annual full coverage premium in CA

$6,459

Age 18

Avg. monthly full coverage premium in CA

$604

Avg. annual full coverage premium in CA

$7,248

Age 20

Avg. monthly full coverage premium in CA

$405

Avg. annual full coverage premium in CA

$4,857

Age 25

Avg. monthly full coverage premium in CA

$284

Avg. annual full coverage premium in CA

$3,408

Age 30

Avg. monthly full coverage premium in CA

$245

Avg. annual full coverage premium in CA

$2,942

Age 40

Avg. monthly full coverage premium in CA

$212

Avg. annual full coverage premium in CA

$2,548

Age 50

Avg. monthly full coverage premium in CA

$209

Avg. annual full coverage premium in CA

$2,508

Age 60

Avg. monthly full coverage premium in CA

$210

Avg. annual full coverage premium in CA

$2,521

Age 70

Avg. monthly full coverage premium in CA

$224

Avg. annual full coverage premium in CA

$2,692

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Caret DownCaret Up

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Rates refreshed as of Sep 2024

Read our full methodology

Bankrate’s take:In California, teenagers are automatically covered under their parent or guardian’s insurance policy once they get a driving learner’s permit. There is no need to officially add them as a driver until they turn 16 and get a full license. A licensed teenager can be added to their parents’ policy whether they drive their own vehicle or another family vehicle.

Cost considerations for young drivers in California

Teen drivers generally pay some of the highest car insurance rates due to their lack of experience. Until a child is legally an adult at 18, in most cases they must share a car insurance policy with a legal adult. The rates below are for a married couple adding one child to their car insurance policy.

At age 18, drivers can choose to purchase their own car insurance policy, but the cost will generally be higher than if they were still listed on their parents’ policy. By age 25, most drivers likely have established their own household and have their own policies. The rates below are for California drivers of various ages who have their own auto insurance policies after the age of 17.

Age

Avg. annual premium for drivers in CA

Age 16*

Avg. annual premium for drivers in CA

$6,459

Age 17

Avg. annual premium for drivers in CA

$6,015

Age 18

Avg. annual premium for drivers in CA

$5,679

Age 19

Avg. annual premium for drivers in CA

$4,354

Age 20

Avg. annual premium for drivers in CA

$4,094

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Rates refreshed as of Sep 2024

Read our full methodology

Age

Avg. annual premium for drivers in CA

Age 18

Avg. annual premium for drivers in CA

$7,097

Age 19

Avg. annual premium for drivers in CA

$5,235

Age 20

Avg. annual premium for drivers in CA

$4,857

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Rates refreshed as of Sep 2024

Read our full methodology

AgeAvg. annual premium difference for drivers on their own policy
Age 1825 percent more
Age 1920 percent more
Age 2019 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in California?

Your motor vehicle record is one of the biggest influences on your car insurance premiums. In California, your auto insurance could cost 43 percent more after a single speeding ticket. The table below demonstrates the average premium increases for a speeding ticket, an at-fault accident and a DUI conviction. Any one of these infractions could cause you to be viewed as a high-risk driver. If you have multiple incidents on your driving record within a three- to five-year time period, your rates will likely be even higher. Only full coverage rates are presented here, as riskier drivers may want to consider more coverage for greater financial protection.

Driving incident

Avg. annual premium* in CA

Percentage increase from CA avg. annual premium*

Clean driving record

Avg. annual premium* in CA

$2,645

Percentage increase from CA avg. annual premium*

0%

Speeding ticket conviction

Avg. annual premium* in CA

$3,778

Percentage increase from CA avg. annual premium*

43%

At-fault accident

Avg. annual premium* in CA

$4,556

Percentage increase from CA avg. annual premium*

72%

DUI conviction

Avg. annual premium* in CA

$6,773

Percentage increase from CA avg. annual premium*

156%

*The rates reflected are for full coverage policies.

Rates from Sep 2024

Read our full methodology

California car insurance rates by vehicle type

The type of vehicle you own plays a large role in determining your insurance premium. Luxury cars and those that are imported can sometimes cost more to insure because parts are higher-end or need to be imported, and repairs are more expensive. Different models also have statistically different rates for accidents, which can impact the cost of your policy. The table below shows the average rates for a range of vehicles in California. Note that a luxury car such as a BMW costs more to insure than the more standard Ford and Honda. The age of your vehicle also matters, as newer models may have safety updates or more complex parts and features that impact repair rates.

Vehicle

Avg. annual premium* in CA

Toyota Camry

Avg. annual premium* in CA

$2,645

Ford F-150

Avg. annual premium* in CA

$2,601

Honda Odyssey

Avg. annual premium* in CA

$2,359

BMW 330i

Avg. annual premium* in CA

$3,264

Toyota Prius

Avg. annual premium* in CA

$2,707

*Rates reflect full coverage policies.

Rates from Sep 2024

Read our full methodology

Estimate your car insurance cost in California

When you are looking for the best car insurance for your needs, it can be helpful to have a benchmark figure to start out. That's why Bankrate created this handy calculator. By inputting a few simple data points, you will be given an average monthly payment for someone in your situation. This is only an estimate, since each insurer assesses you differently when determining your premium, but it gives you a good starting point to keep in mind while searching.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

An incident means you were at-fault for an accident, ticketed or summoned to court.

Please select age

Your information is secure

Not sure? Your best guess works just fine.

Please select credit score

These factors have the largest impact on your payment and are used to provide a personalized estimate. Based on the state you live in, some rating factors may not apply.

Why we're asking

We calculated your estimate by comparing your provided details to data from similar drivers. Our estimate assumes 2020 Toyota Camry, 12,000 miles annually, and 100/300/50 liability limits with $500 comprehensive and collision deductibles.

Methodology

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Advertising disclosure

This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to save on car insurance in California

California drivers pay, on average, higher rates for car insurance than drivers in many other states. However, the state of California also highly regulates how insurers can offer savings. For example, drivers in California cannot take advantage of telematics discounts or accident forgiveness programs. If you’re trying to lower your car insurance premium in California, here are some tips:

  • Understand your coverage needs: More coverage means more financial protection, but it also generally comes with a higher price tag. While most insurance professionals advise that you buy higher-than-minimum limits, not every driver needs a deluxe policy. Understanding your needs can help you choose appropriate coverage.
  • Maintain a clean driving record: On average, drivers with incidents on their record, like at-fault accidents, tickets and DUIs, see higher car insurance rates, so it’s worth it to practice safe driving habits. Some insurers may forgive certain infractions such as a speeding ticket the first time they occur, while others will increase your rate at your next renewal.
  • Shop around: Different car insurance companies have different rating structures, which means rates vary for even the same coverage. Getting quotes from several insurers could help you find the lowest rate.
  • Utilize discounts: While California restricts some discounts like telematics programs, there are other ways to save. Bundling your auto and home insurance policies, being a good student and being loyal to a company are all solid ways to save on California car insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Frequently asked questions

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

40 year old

Single male and female driver

Average Cost of Car Insurance in California for 2024 | Bankrate (12)

2022 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes.

Average Cost of Car Insurance in California for 2024 | Bankrate (2024)
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