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Average cost of car insurance in California for 2025

Updated Sep 10, 2025
The average cost of car insurance in California is $3,102 per year for full coverage and $915 per year for minimum coverage.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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

  • The average cost of full coverage car insurance in California is $258 per month. Minimum coverage costs an average of $76.

  • Full coverage auto insurance in California costs 16 percent more than the national average car insurance costs. 

  • Parents adding a teen driver to their policy can expect to pay 130 percent more more than the California average cost of full coverage. 

  • 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.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

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. 

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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
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.
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
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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
*Rates reflect full coverage policies.
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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.

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Frequently asked questions

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Read our full methodology

At 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: 

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To 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:

Other profiles

Written by
Shannon Martin
Bankrate Insurance Expert | Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute