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.
COVERAGE TYPE
CALIFORNIA MINIMUM REQUIREMENTS
Bodily injury liability
$15,000 per person; $30,000 per accident
Property damage liability
$5,000 per accident
COVERAGE TYPE
Bodily injury liability
CALIFORNIA MINIMUM REQUIREMENTS
$15,000 per person; $30,000 per accident
COVERAGE TYPE
Property damage liability
CALIFORNIA MINIMUM REQUIREMENTS
$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.
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
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
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.
