Average cost of car insurance in california
How much is car insurance in California?
Full coverage car insurance in California costs an average of $2,599 per year. The average cost of state minimum coverage is $641 per year. Nationally, full coverage costs $2,329, and minimum coverage costs an average of $633 per year, so California is an expensive place to buy insurance. To determine the average cost of car insurance in California, our insurance editorial team reviewed the average rates provided by Quadrant Information Services for various driver profiles.
While average auto insurance rates in California can help you determine whether you’re paying too much for coverage, keep in mind that your premium will vary based on the type of vehicle you drive, your motor vehicle record, your claims history, and a number of personal rating factors. miles you drive each year. The company you choose and the type and limits of your coverage will also affect your rate
Take root
The average monthly premium for minimum coverage in California is $53 The average monthly premium for full coverage in California is $217.
Los Angeles drivers, according to our research, pay an average rate of $3,539 for full coverage insurance, which is 36 percent higher than the state average.
California parents can expect an average premium of $6,239 per year if they add a 16-year-old driver to their full coverage auto insurance policy.
Drivers with a DUI on their license pay an average of $6,625 annually, which is 155 percent higher than the state average.
Average cost of car insurance in California by age bracket
It’s a fact of life: Your auto insurance premiums change as you age. Generally, auto insurance is more expensive for young drivers and teenagers, because auto insurance companies view new drivers as less responsible. Prices are cheapest for California drivers in the 60s. See average rates by age below.
California car insurance rates by age
Age Average Annual Premium
16 = $7,175.12
17 = $6,853.99
18 = $6,021.14
19 = $4,428.57
20s = $2,416.70
30s = $1,618.56
40s = $1,563.19
50s = $1,449.50
60s = $1,408.62
70s = $1,568.61
Car icon with blue windshield
Rates by age in California
In California, auto coverage for a 16-year-old driver costs $7,175 annually, compared to $1,450 per year for a driver ages 50 to 59. It’s worth noting that adding a 16-year-old to a parent’s insurance plan won’t be as expensive as getting a teen’s own policy.
If you’re faced with the pricey prospect of insuring a teen driver, California is the 34th cheapest state to buy car insurance for a 16-year-old.
“Average cost of car insurance in california by marital status”
One benefit of being hatched – aside from the honeymoon – is the better deal you can get on your car insurance policy. In the state of California, married drivers save $73 per year on car insurance policies. That’s less than the national savings of $76.
Average cost of car insurance in california by marital status
Marital Status Average Annual Rate
Single $1,649.21
Married $1,576.40
Divorced $1,649.21
Widow $1,582.65
“Car insurance coverage for divorced drivers in California” is the 9th most expensive in the nation. If you’re paying too much for your car insurance policy, don’t be afraid to shop around. You never know what savings you’ll find!
Average car insurance costs for high-risk drivers in California
If you are involved in a car accident or convicted of a driving violation, your auto insurance premiums are bound to increase. The more red flags you raise, the higher your auto insurance costs.
In California, your first minor at-fault penalty is $862.80 per year in auto insurance premiums. A DUI – considered one of the most serious driving violations – can increase your insurance rates by up to $2,977.05 in California.
California auto insurance premiums including violations
Breach Average Annual Premium
DUI or DWI $4,689.59
Reckless driving $4,689.59
At-fault accidents (<$1,000) $2,575.34
At-fault accident ($1,000-$2,000) $2,676.87
At-fault accident (>$2,000) $2,575.34
Open container $3,130.47
Speed (21-25 MPH > Limit) $2,324.98
Speed (16-20 MPH > Limit) $2,324.98
If you’re facing average car insurance payments, consider shopping around for insurance to find the cheapest coverage that’s right for you.
Average auto insurance cost in California by credit score
Car insurance companies use credit scores to get an idea of a potential customer’s reliability. Data trends show that drivers with good credit history are often more reliable car insurance customers: they are less likely to file claims covered by auto insurance. However, California outlaws the use of credit score as an insurance rating factor, meaning you’ll pay the same car insurance rate regardless of your credit history.
California auto insurance rates by credit score
Average annual rate of credit tires
Very poor (300-579) $1,649.21
Fair (580-669) $1,649.21
Good (670-739) $1,649.21
Very Good (740-799) $1,649.21
Exceptional (800-850) $1,649.21
Median auto insurance prices in California by coverage amount
How much you pay each month for car insurance depends on the level of coverage you purchase. “Liability-only coverage generally costs less, while low-deductible comprehensive coverage costs more”. In California, the rate difference between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $908.
California auto insurance rates by coverage level
Coverage Level Average Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability-Only $802
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,527
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,710
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only $718
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,443
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,626
State minimum — liability is only $573
State Minimum — $1,000 Comprehensive/Conflict $1,297
State Minimum — $500 Comprehensive/Conflict $1,481
If you’re facing higher than average auto insurance costs, consider comparing policies to get cheaper coverage that properly covers your vehicle.
How does driving record affect car insurance costs in California?
Your motor vehicle record is one of the biggest influences on your car insurance premium. In California, your auto insurance can cost up to 43 percent more after a single speeding ticket. The table below shows the average premium increase for a speeding ticket, a misdemeanor, and a DUI conviction. Any of these violations may result in you being viewed as a high-risk driver. If you have multiple incidents on your driving record over a three to five year period, your rate will likely be higher. Only full coverage rates are presented here, as risky drivers may want to consider more coverage for greater financial protection.
Driving events, average. Annual premium* in CA, percentage increase from CA average Annual Premium*,
Clean driving record, $2,599, 0%
fast ticket confirmation, $3,708, 43%
accident at fault, $4,456, 71%
DUI conviction, $6,625, 155%
Last word
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