Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets California apart
Prop 103 bans using credit score, ZIP-code redlining limited; gender rating banned.
Minimum vs. full coverage in California
What each coverage level costs on the California average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $810 | $68 |
| Liability Only | $1,320 | $110 |
| Full | $2,400 | $200 |
| Full Low Deductible | $2,920 | $243 |
Minimum coverage saves about $1,585/yr vs full — but caps protection at 15/30/5. One at-fault crash above those limits and the gap is yours.
California car insurance FAQ
- What's the minimum car insurance required in California?
- California's state minimum is 15/30/5 — $15k bodily injury per person, $30k per accident, $5k property damage. Minimum-only runs about $810/yr but leaves you exposed above those caps.
- How much is full coverage in California?
- Representative full coverage averages $2,395/yr (about $200/mo), ranking California #37 of 51 states for cost.
- Why is California car insurance priced the way it is?
- Prop 103 bans using credit score, ZIP-code redlining limited; gender rating banned.