California Car Insurance

Whether you’re cruising out to the beach for the day, commuting into Los Angeles or heading up to the Sierra on vacation, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.

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What is the average cost of car insurance in California?

California drivers paid an average of $1,217 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s a little more than the national average of $1,176 per year, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.

What auto insurance is mandatory in California?

A car insurance policy with a minimum amount of liability coverage is required in California. However, minimum coverage may not be the full extent of coverage you want.

As of December 2022, 15/30/5 liability coverage limits are the minimum required in California.



Bodily injury liability

$15,000 per person; $30,000 per accident

Property damage liability

$5,000 per accident


Bodily injury liability


$15,000 per person; $30,000 per accident


Property damage liability


$5,000 per accident

What does car insurance typically cover in California?

A typical car insurance policy in California includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Read more about Smart Plan Auto coverage options in California

California auto insurance discounts

Farmers offers a variety of discounts for drivers in California. For example:

  • Multi-vehicle 
  • Multi-policy   
  • Safe driving

 See more information about additional discounts that may be available in California.

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California New Driver Discount

Take the pledge with your new driver to qualify for an auto insurance discount. Download the pledge, take the quiz, and sign the New Driver Agreement for savings of up to 10%.
Safety Quiz and Agreement

Sequoia & Kings Canyon National Park

The largest trees in the world, giant sequoias have survived 2,000 to 3,000 years in these protected groves. — National Park Service

More coverage options in California

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California home insurance

Learn more about what home insurance in California covers, available discounts and more.

View home insurance coverage details and discounts for California

Learn From Experience

Still have questions about cars and car insurance in California? We have answers.

Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.  

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

Generally, uninsured motorist insurance provides bodily injury coverage, which pays for medical bills, pain and suffering, lost wages and funeral expenses if you’re in a crash with a driver who doesn’t have insurance.