Car Insurance

How Much is Car Insurance in California?

If you’re a driver in the state of California, you know that having car insurance is an essential part of owning and operating a vehicle. But how much will it cost you to get the coverage you need? Let’s take a closer look at the average cost of car insurance in California and what factors influence your rates.

Average Rate by Age Group

The age group of drivers has a significant impact on how much they pay for car insurance. In general, younger drivers are more likely to be involved in accidents than older drivers, which makes them riskier to insure. As such, they tend to have higher rates than their older counterparts.

In California, the average annual premium for teenage drivers aged 16-19 is approximately $6,000 per year significantly higher than the national average of $3,400. On the other end of the spectrum, people aged 60-64 typically pay about $1,800 per year for their auto insurance coverage roughly half as much as teens do.

Due to the coronavirus pandemic-related impact on driving behavior and claims activity nationwide, many insurers are offering discounts or refunds on car insurance premiums during 2020. Check with your provider directly to see if any discounts apply to you.

Also Read: How Much is Car Insurance a Month

Driving Records

Your driving record is another significant factor when it comes to determining your rates. Drivers who have had citations or moving violations within the past few years will likely face higher monthly premiums than those with clean records especially if they’ve been involved in multiple incidents or serious infractions like DUI or reckless driving charges. Similarly, people who have caused numerous accidents over time are usually charged more than those who have never been at fault for an accident before.

Insurance Companies & Discounts

Different companies offer different levels of coverage at varying costs, some companies may charge less than others depending on where you live and what type of plan you choose. It pays to shop around and compare prices between various providers before making a final decision you might be able to save hundreds of dollars just by switching providers! Additionally, many companies offer discounts if you bundle two or more policies together e.g. auto and homeowners, or take defensive driving courses online in person and check with your insurer.

Average Car Insurance Cost in California

The average cost of car insurance in California can vary greatly depending on a number of factors such as the driver’s age, type of vehicle, driving history, and location. On average, however, the average cost for car insurance in California is around $200-$300 per month. This price can be influenced by various factors such as the level of coverage, deductibles, and discounts offered by the insurance company.

In addition, drivers with a good driving record and those who drive safer cars will typically pay less for their insurance than those with a poor driving record or those who drive sports cars or luxury vehicles. It is important for drivers in California to shop around and compare quotes from multiple insurance providers to find the best coverage and rates for their specific needs. Additionally, taking advantage of discounts, such as good driver discounts or bundling home and auto insurance, can help lower the overall cost of car insurance in California.

Also Read: How Much is Car Insurance Per Month


Car insurance isn’t cheap but there are ways that Californians can save money on their premiums without compromising on coverage quality or protection level. Doing research on different providers and taking advantage of discounts offered by insurers can help reduce monthly costs significantly without sacrificing safety or security when behind the wheel. All good things come at a price but that doesn’t mean that price has to be exorbitant; make sure you’re getting value for your money when shopping around for car insurance in California.

Zoey Annette

Zoey Annette is the editor of Allstate Insurance. She's an Allstate insurance agent and a writer. Zoey loves spending time with her family, reading, and traveling.

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