Car Insurance Cost in California (CA) — 2025 Rates
The average car insurance cost in California is $2,360 per year ($197/month), which is 18% above the national average of $2,000/year. Use our calculator below to estimate your personal rate based on age, coverage level, and vehicle type.
California Car Insurance Calculator
Estimated Annual Cost
$2,354
Estimated Monthly Cost
$196
| Age Group | Minimum | Standard | Full Coverage |
|---|---|---|---|
| 16–25 | $2,035 | $3,699 | $5,179 |
| 26–35 | $1,295 | $2,354 | $3,296 |
| 36–50 | $1,110 | $2,018 | $2,825 |
| 51–65 | $1,171 | $2,130 | $2,982 |
| 65+ | $1,356 | $2,466 | $3,453 |
| Vehicle Type | Minimum | Standard | Full Coverage |
|---|---|---|---|
| Sedan | $1,295 | $2,354 | $3,296 |
| SUV | $1,431 | $2,602 | $3,643 |
| Truck | $1,363 | $2,478 | $3,469 |
| Luxury | $1,840 | $3,345 | $4,683 |
Frequently Asked Questions
What is the average car insurance cost in California?▼
The average car insurance cost in California is approximately $2,360 per year or $197 per month for standard coverage. Rates vary significantly based on your age, driving record, coverage level, and vehicle type.
How can I lower my car insurance in California?▼
You can lower your car insurance premiums by maintaining a clean driving record, bundling auto and home insurance, increasing your deductible, asking about available discounts (good student, safe driver, multi-car), and comparing quotes from multiple insurers.
What is the minimum car insurance required in California?▼
California requires drivers to carry minimum liability insurance. The exact minimums vary, but typically include bodily injury liability and property damage liability. Minimum-only coverage in California averages around $1,110 per year.
Does my credit score affect car insurance rates in California?▼
In most states, including California, insurers use credit-based insurance scores as one factor in determining premiums. A better credit score typically results in lower insurance rates. However, some states have restrictions on how credit can be used in pricing.
How much does full coverage car insurance cost in California?▼
Full coverage car insurance in California averages approximately $2,825 per year for a 36–50-year-old driver with a sedan. Full coverage includes comprehensive and collision in addition to liability.