California · Auto Insurance
California Auto Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for California auto insurance.
State Avg Annual
$2,065
Minimum Liability
15/30/5
No-Fault State
No
State Code
CA
Estimated Premium
$149/ month
$1,783 per year
State base rate$1,872
Age factor×1.00
Vehicle factor×1.00
Driving history factor×1.00
Coverage tier factor×1.00
About auto insurance in California
California drivers pay an average of $2,065 per year for auto insurance. The state requires minimum liability limits of 15/30/5 (bodily injury per person / per accident / property damage).
California is an at-fault state — the driver responsible for the accident is liable for damages.
Recommended coverage
State minimums are rarely enough. Most households should carry at least 100/300/100 liability, plus uninsured/underinsured motorist coverage.