Best Auto Insurance in California (2025)
Compare top-rated auto insurance companies in California. Find affordable coverage that meets CA state requirements and save up to 40% on your premium.
$1,846
Avg. Annual Premium
15/30/5
Minimum Coverage
Los Angeles
Largest City
39.5 million
Population
California Auto Insurance Requirements
California has one of the lowest minimum coverage requirements but some of the highest average premiums due to dense population.
Minimum Liability Coverage: 15/30/5
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in California
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in California can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in California use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
California Auto Insurance FAQs
What is the minimum auto insurance required in California?
California requires minimum liability coverage of 15/30/5 (bodily injury per person/per accident/property damage). California has one of the lowest minimum coverage requirements but some of the highest average premiums due to dense population.
How much does car insurance cost in California?
The average annual car insurance premium in California is $1,846. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in California?
Key factors affecting California auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Los Angeles typically pay more than those in rural areas.
How can I find cheap car insurance in California?
To find affordable car insurance in California: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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Compare rates from top insurers and save up to 40% on your auto insurance.
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