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Average cost of car insurance in California for 2025

Powered by Coverage.com (NPN: 19966249)
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.
Key takeaways
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The average cost of full coverage car insurance in California is $258 per month. Minimum coverage costs an average of $76.
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Full coverage auto insurance in California costs 16 percent more than the national average car insurance costs.
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Parents adding a teen driver to their policy can expect to pay 130 percent more more than the California average cost of full coverage.
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California drivers with one DUI pay an average of $639 per month for full coverage car insurance.
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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|---|
Benton | $223 | $2,673 | -15% |
Bishop | $200 | $2,401 | -25% |
Darwin | $233 | $2,792 | -11% |
Edwards | $218 | $2,620 | -17% |
Lancaster | $279 | $3,342 | +7% |

Powered by Coverage.com (NPN: 19966249)
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.

Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
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 in California
In California, the strongest rating factors influencing premiums are driving record, annual mileage and years of driving experience. Car insurance rates for young drivers with less driving experience are typically much higher than the state average. As experience is gained, rates tend to decline.
|
|
|
---|---|---|
Age 16*
|
Avg. monthly full coverage premium in CA
$595
|
Avg. annual full coverage premium in CA
$7,144
|
Age 18
|
Avg. monthly full coverage premium in CA
$673
|
Avg. annual full coverage premium in CA
$8,076
|
Age 20
|
Avg. monthly full coverage premium in CA
$453
|
Avg. annual full coverage premium in CA
$5,431
|
Age 25
|
Avg. monthly full coverage premium in CA
$321
|
Avg. annual full coverage premium in CA
$3,848
|
Age 30
|
Avg. monthly full coverage premium in CA
$278
|
Avg. annual full coverage premium in CA
$3,333
|
Age 40
|
Avg. monthly full coverage premium in CA
$259
|
Avg. annual full coverage premium in CA
$3,102
|
Age 50
|
Avg. monthly full coverage premium in CA
$247
|
Avg. annual full coverage premium in CA
$2,962
|
Age 60
|
Avg. monthly full coverage premium in CA
$237
|
Avg. annual full coverage premium in CA
$2,846
|
Age 70
|
Avg. monthly full coverage premium in CA
$253
|
Avg. annual full coverage premium in CA
$3,038
|
|
|
|
---|---|---|
Age 16*
|
Avg. monthly full coverage premium in CA
$595
|
Avg. annual full coverage premium in CA
$7,144
|
Age 18
|
Avg. monthly full coverage premium in CA
$673
|
Avg. annual full coverage premium in CA
$8,076
|
Age 20
|
Avg. monthly full coverage premium in CA
$453
|
Avg. annual full coverage premium in CA
$5,431
|
Age 25
|
Avg. monthly full coverage premium in CA
$321
|
Avg. annual full coverage premium in CA
$3,846
|
Age 30
|
Avg. monthly full coverage premium in CA
$278
|
Avg. annual full coverage premium in CA
$3,333
|
Age 40
|
Avg. monthly full coverage premium in CA
$259
|
Avg. annual full coverage premium in CA
$3,102
|
Age 50
|
Avg. monthly full coverage premium in CA
$247
|
Avg. annual full coverage premium in CA
$2,963
|
Age 60
|
Avg. monthly full coverage premium in CA
$237
|
Avg. annual full coverage premium in CA
$2,846
|
Age 70
|
Avg. monthly full coverage premium in CA
$253
|
Avg. annual full coverage premium in CA
$3,039
|
Cost considerations for young drivers in California
Taking advantage of discounts can help young drivers offset higher insurance rates. Ask your agent about good student discounts, driver training programs and other savings opportunities, as well as which coverage types are best for new drivers.
|
|
|
---|---|---|
Age 16*
|
Avg. monthly premium for drivers in CA
$595
|
Avg. annual premium for drivers in CA
$7,144
|
Age 17
|
Avg. monthly premium for drivers in CA
$554
|
Avg. annual premium for drivers in CA
$6,645
|
Age 18
|
Avg. monthly premium for drivers in CA
$525
|
Avg. annual premium for drivers in CA
$6,296
|
Age 19
|
Avg. monthly premium for drivers in CA
$402
|
Avg. annual premium for drivers in CA
$4,825
|
Age 20
|
Avg. monthly premium for drivers in CA
$378
|
Avg. annual premium for drivers in CA
$4,542
|
|
|
|
---|---|---|
Age 18
|
Avg. monthly premium for drivers in CA
$673
|
Avg. annual premium for drivers in CA
$8,076
|
Age 19
|
Avg. monthly premium for drivers in CA
$487
|
Avg. annual premium for drivers in CA
$5,848
|
Age 20
|
Avg. monthly premium for drivers in CA
$453
|
Avg. annual premium for drivers in CA
$5,431
|
Age | Avg. annual premium difference for drivers on their own policy |
---|---|
Age 18 | 28 percent more |
Age 19 | 21 percent more |
Age 20 | 20 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?
Maintaining a good driving record is vital to keeping insurance costs low. Even one moving violation or accident can cause significant rate increases, which can last for up to three years. And a DUI conviction in California can impact your auto rates for up to 10 years.
California car insurance rates by vehicle type
The type of vehicle you own plays a large role in determining your insurance premium. Luxury and imported cars 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 different accident and theft rates, 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 more budget-friendly brands like 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.
|
|
---|---|
Avg. monthly premium* in CA
$259
|
|
Avg. monthly premium* in CA
$245
|
|
Avg. monthly premium* in CA
$364
|
|
Avg. monthly premium* in CA
$303
|
|
Avg. monthly premium* in CA
$258
|
|
Avg. monthly premium* in CA
$233
|
|
Avg. monthly premium* in CA
$235
|
|
Avg. monthly premium* in CA
$222
|
|
Avg. monthly premium* in CA
$303
|
|
Avg. monthly premium* in CA
$235
|
|
Avg. monthly premium* in CA
$277
|
|
Avg. monthly premium* in CA
$219
|
|
Avg. monthly premium* in CA
$268
|
|
Avg. monthly premium* in CA
$237
|
|
Avg. monthly premium* in CA
$260
|
|
Avg. monthly premium* in CA
$237
|
|
Avg. monthly premium* in CA
$237
|
|
Avg. monthly premium* in CA
$253
|
|
Avg. monthly premium* in CA
$234
|
|
Avg. monthly premium* in CA
$359
|

Estimate your car insurance cost in California
Car insurance rates can be tough to predict. That’s why Bankrate created this insurance calculator to give you a better idea of how much you can expect to pay. While this is not an exact quote, it can help you budget accordingly.
Frequently asked questions
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 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 full coverage limits with bundling and paperless billing discounts applied:

Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics: