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Car insurance in California

California car insurance averages $2,395/yr

Ranked #37 of 51 · +$312 vs national · state minimum 30/60/15

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 levelEst. / yearEst. / 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 30/60/15. One at-fault crash above those limits and the gap is yours.
Minimum limits 30/60/15 per the California DMV — insurance requirements.
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What should you actually be paying?

Six inputs. See your estimated range and whether you're above or below a typical driver in your state.

Representative estimate for planning — not a quote. Real premiums depend on your carrier, VIN, mileage, and history.

California car insurance FAQ

What's the minimum car insurance required in California?
California's state minimum is 30/60/15 — $30k bodily injury per person, $60k per accident, $15k 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.