Cost of Car Insurance in California?

Home / Car Insurance By State / Cost of Car Insurance in California?

I need you to be siting down for this. It’s not great news. The cost of car insurance in California pretty much sucks. In fact, California is ranked the 6th highest in the country for auto insurance premiums. This is not the “high” Californians are looking for. We want to pay the same rates as everywhere else, but we’re nowhere close. As of 2012, the average Californian pays $1,775 for their annual policy. Compare this with the national average of $1,457.84.

Now before you throw your computer out the window for paying too much (or congratulating yourself for paying too little), remember each insurer charges different rates. So all you have to do is compare rates from different companies and voila!

You can get the cost of car insurance in California by grabbing some quotes here. You’ll be able to compare rates from multiple companies instantly and online.

Find the Price of Car Insurance in California


Quotes available in ALL of California, including Los Angeles, San Diego, San Jose, San Francisco, Long Beach, Fresno, Sacramento, Oakland, Santa Ana, Anaheim, Bakersfield and Riverside.

What is the average cost of car insurance in California?

Here’s a Kobe Bryant inspired bar chart comparing the average cost of car insurance in California to the national average, as you can see we need to work on our game.

Cost of car insurance in california

How much auto insurance do California drivers require?

Drivers from are required to purchase the minimum: liability insurance. Liability insurance is made up of two types of insurance; bodily injury liability and property damage liability.

California law states that the minimum for bodily injury per person is $15,000, while the minimum for bodily injury per accident is $30,000. This means that if you are involved in an accident and hurt someone and they sue you, you are covered up to $15,000 for their injuries and up to a maximum of $30,000 for the whole accident. So if you cause an accident which causes two people in the other car to be hurt and need more than $30,000 than you will have to pay for the rest out of your own pocket.

Property damage liability pays for the damages to another driver’s vehicle if you are found at-fault for an accident. This is known as “third party property liability” as you are covering your financial risk in the event your driving causes physical damage to a third party’s property. California law requires that property damage liability be no less than $5,000. This means if you cause more than $5000 damage to someone else’s property than you have to pay the difference.

What are my consumer rights?

California state legislature has recently passed Assembly Bill (AB) 2677 on December 3, 2007, which requires insurance companies to provide consumers with a cost estimate of its lowest priced personal auto policy at the limits the consumer requests and for which the consumer is eligible.

In addition, when you purchase a automobile policy you are required to receive policy documents known as the declaration page. It is important that you read over this document as it list your rights and duties as an insured.

Help us grow, if you've found this article helpful, please share it with your friends.