Average cost of car insurance in California

The average car insurance rate in California is $2,416 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in California is $551.

Best car insurance companies in California: Geico

Geico is the best car insurance company in California, based on an analysis by Insurance.com, with an overall rating of 4.02. Progressive came second. 

Below is a full list of the top California insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
GeicoA++8300.914.02$1,919
ProgressiveA+8090.653.69$2,179
TravelersA++8100.493.65$2,460
State FarmA++8260.73.47$2,701
Mercury InsuranceA7940.843.47$2,031
AllstateA+8160.653.35$2,627
CSAA Insurance (AAA)A8220.753.28$2,600
NationwideA+7940.643.2$2,799
FarmersA8100.82.91$3,035
Auto Club Enterprises (AAA)A+8322.212.89$2,466
Kemper InsuranceA-7362.162.05$2,429

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in California: Geico

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in California and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in California with average annual rates of $1,919 annually. USAA offers cheaper rates if you are eligible.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
USAA$410$653$1,827
Geico$367$591$1,919
Mercury Insurance$458$766$2,031
Progressive$433$637$2,179
Kemper Insurance$492$803$2,429
Travelers$629$954$2,460
Auto Club Enterprises (AAA)$623$974$2,466
CSAA Insurance (AAA)$457$627$2,600
Allstate$717$1,104$2,627
State Farm$569$900$2,701
Nationwide$712$1,123$2,799
Farmers$774$1,280$3,035

Data updated in 2024
Read our full methodology

*USAA offers car insurance only to military members, veterans and their families.

California car insurance requirements

The minimum car insurance required in California is 15/30/5. The average cost of the state minimum liability insurance is $551 a year, or $46 per month.

Minimum liability insurance requirements for California:

  • Bodily injury liability (BI): $15,000 per person, $30,000 per accident
  • Property damage liability (PD): $5000 per accident

 

Cheapest car insurance companies for minimum liability coverage in California

Insurance.com data show that Geico offers the most affordable state minimum liability coverage, costing an average of $367, or $31 a month. 

The table below shows the cheapest car insurance companies for minimum coverage in California.

State minimum auto insurance coverage in CA
CompanyLiability insurance premiumMonthly liability insurance premium
Geico$367$31
USAA*$410$34
Progressive$436$36
CSAA Insurance (AAA)$458$38
Mercury Insurance$458$38
Kemper Insurance$505$42
State Farm$581$48
Auto Club Enterprises (AAA)$623$52
Travelers$652$54
Allstate$735$61
Nationwide$740$62
Farmers$801$67

Data updated in 2024
Read our full methodology

*USAA offers coverage only to military veterans and their family

Cheapest car insurance cost in California by age

company_name
Cheapest for teens
$4,836/yr
Learn more
company_name
Cheapest for adults
$1,937/yr
Learn more
company_name
Cheapest for seniors
$1,935/yr
Learn more

In California, car insurance rates are higher for teenagers (16- to 19-year-olds) as they are more prone to accidents due to their lack of experience on the road.

Geico offers the cheapest car insurance for teen drivers in California at $4,836 per year for a full coverage policy. USAA offers cheaper rates if you are eligible. 

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In California, Geico offers the cheapest full coverage car insurance for adult drivers (25-60 year-olds) and senior drivers (60-75 year-olds)  at $1,937 per year and $1,935 per year, respectively. USAA offers cheaper rates if you are eligible.

Compare car insurance rates by age

Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.

Age group
Teen
Age
16
Table
Graph
USAA$4,404$367
Geico$5,503$459
Travelers$5,701$475
State Farm$5,770$481
Mercury Insurance$6,050$504
Allstate$6,486$541
Progressive$6,931$578
Auto Club Enterprises (AAA)$6,963$580
Farmers$7,373$614
Kemper Insurance$9,116$760
CSAA Insurance (AAA)$11,477$956
Nationwide$12,495$1,041
Yearly premium

Data updated in 2024
Read our full methodology

*USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in California by driver profile

company_name
Cheapest for at-fault accident
$3,563/yr
Learn more
company_name
Cheapest for DUI
$3,616/yr
Learn more
company_name
Cheapest for speeding ticket
$2,893/yr
Learn more

Accidents and tickets can negatively affect car insurance rates. Drivers who have accidents or tickets are considered a higher risk and will pay more. 

However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.

Below are average California rates by company for drivers with accidents and tickets on their driving record. 

CompanyClean recordAccidentSpeeding ticket
USAA$1,827$3,007$2,230
Mercury Insurance$2,031$3,563$2,893
Geico$1,919$3,876$2,994
CSAA Insurance (AAA)$2,600$3,961$3,299
Progressive$2,179$3,600$3,368
Auto Club Enterprises (AAA)$2,466$4,005$3,552
Travelers$2,460$4,263$3,700
Allstate$2,627$6,275$3,808
State Farm$2,701$4,543$4,071
Farmers$3,035$4,892$4,224
Nationwide$2,799$5,302$5,241

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

*USAA offers car insurance only to military members, veterans and their families.

Compare auto insurance rates by city in California

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in California.

CityAnnual insurance premium
Hayward
$2,546
Irvine
$2,502
Los Angeles
$3,149
Sacramento
$2,665
San Diego
$2,324
San Jose
$2,406
Temecula
$2,356
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in California have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 

Accidents: 

  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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