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Key takeaways
- According to Bankrate’s analysis, Grange offers the cheapest average minimum coverage auto insurance premium on our list at $520 per year, while Capital offers the most competitive rates for full coverage at $1,582 annually.
- Drivers in Los Angeles pay the most by far for auto insurance, according to our research, with an average rate for full coverage insurance of $2,838 per year, 37% above the state average.
- California parents adding a 16-year-old driver to their full coverage auto insurance policy can expect an average annual increase of $3,744 per year.
How much is car insurance in California?
Full coverage car policy costs an median of $ 2,065 per year in California. The median cost for state minimum coverage is $ 733 per year. While the average car indemnity rates in California could help you determine if you are overpaying for coverage, keep in mind that your premium will vary based on about a twelve individual rate factors like the type of car you drive, your motive vehicle phonograph record, claims history and how many miles you drive per year. Where you live in the express and the coverage types and limits you choose will besides greatly affect your rate .
California car insurance rates
| Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|
| $733 | $2,065 |
California car insurance rates by city
car indemnity rates in California deviate by city. Drivers in dumbly populate areas tend to have higher rates. Having more vehicles on the road could mean a greater probability of an accident. other factors, such as the costs for fomite repairs, parts and medical expenses can besides impact how a lot drivers in a given city give for coverage .
California car insurance rates by company
car insurance companies in California use their own proprietorship evaluation methods to determine premiums, so rates will vary between insurers. Bankrate analyzed premiums from the top 20 California car indemnity companies by market contribution to help you see how diverse carriers stack up against each early .
Cost of living in California and car insurance
When shop for the best car insurance rates in California, you may want to view your policy premium alongside your early expenses to help get a unclutter visualize of your overall life costs. The graph below shows the average annual cost of support in California, including the average monetary value of car insurance. Use this graph as a scout to help determine your overall expenses so that you can decide what insurance rates fit in your budget .
California car insurance rates by age
A driver ’ south long time frequently contributes to the cost of annual premiums, as it can indicate how statistically risky a driver is. adolescent drivers are hit the hardest. 16-year-old drivers in California typically increase their parents ’ bounty by $ 3,744 per year. Fortunately, California car policy rates typically drop in price as drivers historic period ( starting at age 20 ) — american samoa long as they avoid accidents and citations. *16-year-old calculated on parent ’ south policy disclosure ; 18- and 20-year-old are renters
California car insurance rates by gender
California prohibits the practice of gender as a rating factor for car policy policies. If all other factors are the same, your sex should not influence your car insurance premium.
California car insurance rates by credit score
In many states, your credit-based indemnity score will affect how much you pay for car indemnity. This is because drivers with first gear credit scores statistically tend to file more claims than drivers with higher credit scores, according to the Insurance Information Institute ( Triple-I ). however, California bans the use of credit scores to rate car indemnity policies. Your credit rat should not impact your premium in the Golden State .
California car insurance rates by driving record
Your centrifugal fomite record is one of the biggest influences on your car indemnity premiums. In California, a unmarried speed tag could increase the cost of your car insurance by 40 %. The table below demonstrates the average agio increases for a rush ticket, an at-fault accident and a DUI conviction. Any one of these infractions could cause you to be viewed as a bad driver. If you have multiple incidents on your drive record within a three- to five-year clock period, your rates will probable be flush higher .
| Driving incident | Average annual full coverage premium | % increase in average annual premium |
|---|---|---|
| Clean driving record | $2,065 | 0% |
| Speeding ticket | $2,885 | 40% |
| Accident | $3,412 | 65% |
| DUI | $4,988 | 142% |
If you are worry about how an accident could affect your policy premium, you may want to choose an car insurance company that offers accident forgiveness. If you have this program on your policy before an accident, it could help you avoid surcharges for at-fault losses .
California car insurance rates by vehicle type
The type of vehicle you drive besides impacts your car indemnity agio. different vehicle makes and models have different statistical accident rates, different base hit features and different prices for parts and british labour party, all of which can affect car indemnity costs. Below is a mesa showing the average California cable car insurance rates for some popular vehicle makes and models. Keep in mind that rates will besides vary by the year of your vehicle, since updates to models can bring changes in guard features and the monetary value of parts and parturiency .
Frequently asked questions
How much is car insurance in California per month?
Full coverage car policy costs an median of $ 172 per calendar month and minimal coverage costs $ 49 per calendar month, on average, in California. Your rates may be higher or lower depending on your individual military rank factors, according to the Triple-I .
What is the average cost of minimum coverage in California?
minimum coverage costs an average of $ 733 per year in the Golden State. California drivers are required by jurisprudence to purchase liability policy with coverage limits of at least $ 15,000 for bodily wound per person, $ 30,000 for bodily injury per accident and $ 5,000 for property wrong. however, the Triple-I recommends you consider purchasing coverage levels above the state minimums for full fiscal protection. It is significant to note that the state ’ sulfur minimum coverage does not include any coverage for your fomite if you are at mistake in an accident. If you have a leased or financed car, you will likely need to carry full coverage, which includes comprehensive examination and collision. Buying the cheapest car insurance in California could help keep your premium gloomy, but besides increases your hazard of brawny out-of-pocket expenses if you cause a unplayful accident .
What are the cheapest car insurance companies in California?
Bankrate ’ s analysis of the cheapest cable car indemnity in California crying Geico, Grange and Mercury as the top three insurers for minimum coverage. capital, Wawanesa, Mercury and Geico offer the lowest rates for full coverage car insurance on our list. however, your rates will vary based on your individual fink factors. The cheapest ship’s company for you could be much different compared to another driver, which is why getting quotes from respective carriers can be helpful when purchasing car insurance .
What is the best car insurance company in California?
Based on our research, Geico, Progressive, State Farm and Wawanesa are among the best car policy companies in California. however, the best caller for your needs will depend on what you want and need from an car insurance company. Understanding your preferences and getting quotes from respective different carriers could help you find the proper fit for your circumstances .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good recognition and the follow full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverage that meets each state ’ south requirements. Our base visibility drivers own a 2019 Toyota Camry, change five days a week and drive 12,000 miles per annum. These are sample rates and should only be used for relative purposes. Age: Rates were calculated by evaluating our root profile with the ages 18-60 ( infrastructure : 40 years ) applied. Depending on age, drivers may be a tenant or homeowner. For teens, rates were determined by adding a 16- or 17-year-old adolescent to a 40-year-old married couple ’ s policy. The rates displayed reflect the add cost to the parents ’ policy. Based on quote annual premiums, it does not appear Hawaii uses age as a lend factor.
Gender: Seven states prohibit using sex as a determining divisor in calculating car policy premium : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. Credit: Rates were calculated based on the take after indemnity accredit tiers assigned to our drivers : “ hapless, average, good ( base ) and excellent. ” Insurance credit tiers factor in your official insurance-based credit scores but are not dependent on that variable alone. Five states do not allow credit rating to be used as a factor in determining car indemnity rates : California, Hawaii, Massachusetts, Michigan and Washington. Incident: Rates were calculated by evaluating our base profile with the take after incidents applied : fairly record ( base ), at-fault accident, single accelerate ticket, individual DUI conviction and sink in coverage .
