How Much Is Car Insurance in California?

Although California is one of the most expensive states to live in, California drivers actually pay less for auto insurance than many in other states.

According to NerdWallet’s analysis, the average cost of full coverage insurance in California is per year, or about a month, for a 35-year-old driver with a clean driving record. The average cost of a minimum coverage policy in California is per year, or about per month.

California is one of the most consumer-friendly states when it comes to car insurance. Insurers are banned from using a driver’s gender or credit score to price insurance premiums. This means drivers with poor credit won't necessarily pay more for a policy than those with good credit.

Read on for NerdWallet’s breakdown of how much car insurance in California costs by:

Cost of car insurance in : The cheapest companies

NerdWallet compared car insurance rates from companies in California. offers the cheapest full coverage in the state, on average, with an annual rate of , or per month, for a 35-year-old driver with a clean driving record.

is the cheapest option for minimum coverage. The company has an average rate of per year, which breaks down to around a month.

Here are the average yearly rates for the cheapest auto insurance companies in California, sorted from lowest to highest rate based on average full coverage cost.

If you want the cheapest car insurance in California, shop around and compare quotes for at least three insurers.

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Cost of car insurance in , by age

The cost of car insurance in California varies widely based on your age. Younger drivers tend to pay more for a policy than older, more experienced drivers.

Here are the median costs of car insurance in California for both full and minimum coverage, by age.

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Cost of car insurance in by driving history

Drivers in California with a clean driving history will pay the least for auto insurance. But if you have a traffic violation, like a speeding ticket or at-fault accident, you can expect your rates to go up.

Below are the cheapest companies for California drivers with different driving histories, along with their median rates for full coverage.

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Average car insurance cost in by ZIP code

Get an estimate for the cost of a full coverage policy based on your zip code below.

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How to save on car insurance in