California Car Insurance Rates for 2025

How much is car insurance in California? We break down the average cost of car insurance by vehicle segment and also show the top vehicle choices for cheap car insurance.

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  • Average car insurance cost in California is $2,842 per year, or around $237 per month.
  • When compared to the western region states, California ranks last out of 11 states for car insurance affordability and comes in at 45th overall for the entire U.S.
  • The cheapest car insurance in California can be found on models like the Subaru Crosstrek, Nissan Kicks, Chevrolet Trailblazer, and Buick Envision.
  • Teenage drivers cost the most to insure in California, with average rates ranging from $6,766 per year for a 19-year-old female driver up to $10,117 per year for a 16-year-old male driver.

What is average car insurance cost in California?

Average car insurance rates in California cost $2,842 per year, or about $237 per month, which is 24.5% more than the national average rate of $2,221.

Some of the cheaper cars to insure in California include the Honda CR-V at $2,420 per year, the Toyota Camry at $3,050 per year, and the Ford Edge at $2,682 per year.

High end models like the Mercedes-Benz AMG GT63, the Tesla Model Y, and the BMW M760i cost an average of $5,172, $3,142, and $5,412 per year, respectively, for full-coverage car insurance.

The chart below shows average car insurance rates in California for 2024 model year vehicles and different driver ages and policy deductible amounts. The overall average rate in the chart is the $500 deductible policy for a 40-year-old driver which costs $2,842 per year, or $237 per month. For the same deductible level, cost ranges from $2,354 for a 60-year-old driver to $5,716 for a 20-year-old driver.

Average full-coverage car insurance premium in California for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in California for different ages of drivers. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all California Zip Codes.

Average Car Insurance Cost in California
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,836$403
$500$5,716$476
$250$6,644$554
30$1,000$2,538$212
$500$3,030$253
$250$3,540$295
40$1,000$2,390$199
$500$2,842$237
$250$3,310$276
50$1,000$2,128$177
$500$2,516$210
$250$2,922$244
60$1,000$1,990$166
$500$2,354$196
$250$2,734$228

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all California Zip Codes. Updated June 27, 2025

As shown in the chart, the average cost of car insurance ranges from $1,990 per year for a 60-year-old driver with a policy with high deductibles to $6,644 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost in the chart above ranges from $166 to $554 per month.

California car insurance rates for teenage drivers are not included in the chart, but expect to pay quite a bit if you are insuring a 16 to 19-year-old. Average rates range from $6,766 per year for a 19-year-old female driver up to $10,117 per year for a 16-year-old male driver.

For 17 and 18-year-olds, average car insurance rates in California will cost $9,392 to $9,800 per year for 17-year-olds and $8,105 to $8,780 per year for 18-year-olds. Rates will fluctuate considerably based on the vehicle driven, however, so the best way to nail down a rate for your specific vehicle, Zip Code, and risk profile, is to just get some California car insurance quotes.

Some additional factors and situations that can affect car insurance rates in California include:

  • A 40-year-old driver with a DUI or other major driving violation could pay as much as $2,634 more per year.
  • Increasing policy deductibles from $100 to $1,000 could save $1,328 or more each year.
  • Even minor traffic violations like speeding tickets or failure to yield could increase the annual cost of car insurance in California by $754 for a 40-year-old driver.
  • Earning multiple policy discounts could save as much as $884 per year. These discounts include things like multi-vehicle, multi-policy, safe driver, claim-free, customer loyalty, and others.
  • Insuring multiple vehicles on one policy could save $150 per year.
  • Being a homeowner could save around $40 per year.
  • Bundling your auto and homeowners insurance with the same company could save an average of $366 per year.
  • Having an at-fault accident could cause your rates to increase by as much as $1,178 each year.
  • Driving a vehicle with lower insurance rates can save a lot. For example, driving a Honda CR-V instead of a Jeep Wrangler could save as much as $822 per year on insurance cost.

Is car insurance expensive in California?

When compared to surrounding states, California car insurance rates are 0.8% more than Nevada, 18.5% more than Oregon, and 19.9% more than Arizona.

When compared to other states outside the immediate western region, the average cost of car insurance in California is 3.2% more expensive than New York, 3.1% more expensive than Florida, and 19% more expensive than the average rate in Texas.

As an example, Tesla Model 3 insurance in California costs an average of $3,334 per year for full coverage. In Nevada, it would cost slightly less at around $3,308, but Washington and Oregon are considerably cheaper at $2,710 and $2,770 per year, respectively.

The chart below shows how car insurance in California compares to the other states in the U.S. west region. California car insurance cost ranks last out of the 11 states in the west region for affordability, which essentially means car insurance in California is pretty expensive.

Average cost of car insurance in California compared to other West region states.
Figure 2: Average cost of car insurance in California compared to other West region states. Rates updated on June 26, 2025.
Average Car Insurance Cost in California Compared to West Region
West Region States Average Annual Premium Cost Difference
Hawaii$1,922-$920
Idaho$1,974-$868
Alaska$2,052-$790
Utah$2,262-$580
Wyoming$2,280-$562
Washington$2,304-$538
Montana$2,330-$512
Oregon$2,360-$482
Colorado$2,602-$240
Nevada$2,820-$22
California$2,842--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all California Zip Codes. Updated June 26, 2025

The cost of insuring a vehicle in California varies considerably based on the area you live in. For example, in San Diego, Honda Civic insurance would cost around $2,312 per year. Living in Sacramento would cause the cost of insurance to increase to $2,608, and Los Angeles car insurance cost would average $3,050 per year.

When average rates are compared to the cost of car insurance in specific U.S. cities, average California auto insurance rates are 10.8% higher than Chicago, 8.6% higher than Miami, and 2.1% higher than Denver.

As mentioned earlier, rates can vary considerably based on where you live. Areas with higher crime, higher traffic congestion, or higher frequency of fire or hail can have more expensive rates. The best way to compare rates and know exactly how much each company costs is to get some free car insurance quotes.

Our simple-to-use form allows you to drill down to the best companies based on a few easy questions. No personal data is required, and it’s a great way to find out if you can save on your next policy.

California car insurance rates by vehicle segment

The chart below shows average car insurance rates in California for different vehicle segments. Rates range from an average of around $1,500 per year for compact SUVs like the Ford Edge and Honda CR-V up to the highest rates for luxury car insurance and exotic performance cars at an average of over $2,500 per year for large luxury cars and over $3,400 per year for exotic performance models.

Car insurance average cost by automotive segment in California.
Figure 3: Car insurance average cost by automotive segment in California. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all California Zip Codes.

Car Insurance Rates by Automotive Segment in California
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,608$217
Midsize SUV$2,802$234
Compact Car$2,806$234
Minivan$2,810$234
Midsize Pickup$2,866$239
Midsize Car$2,894$241
Compact Luxury SUV$3,078$257
Compact Luxury Car$3,124$260
Large SUV$3,136$261
Half-ton Pickup$3,150$263
Heavy Duty Pickup$3,266$272
Midsize Luxury SUV$3,370$281
Midsize Luxury Car$3,482$290
Sports Car$3,904$325
Large Car$4,082$340
Large Luxury SUV$4,396$366
Large Luxury Car$4,544$379

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all California Zip Codes. Updated June 27, 2025

Cheapest car insurance in California

The models with the best car insurance rates in California are primarily compact SUVs like the Subaru Crosstrek, Kia Soul, Chevrolet Trailblazer, and Buick Envision, which cost an average of $190 or less per month for full coverage insurance.

Other vehicles that have some of the cheapest California car insurance rates are the Hyundai Venue at an average annual cost of $2,308, the Mazda CX-5 at $2,316, and the Volkswagen Tiguan at $2,350 per year.

The vehicle being insured is only part of the car insurance rate equation, however. Things like driving citations, at-fault accidents, policy deductibles, extra add-on coverages, your Zip Code, and many other factors all contribute to the bottom line cost of a policy.

Driving a Mercedes G63 AMG, a Tesla Model X, or a Porsche Cayenne will not be a good start in finding cheap car insurance in California. High-end models that cost a lot to drive off the lot are not going to be your best bet for cheap rates.

The models shown in the table below have below-average car insurance rates based on vehicle safety ratings, ease-of-repair, and liability loss history and are an excellent place to start when trying to find cheaper insurance in California, or really anywhere in the U.S.

Top 50 Cheapest Vehicles to Insure in California
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,098$175
2Chevrolet Trailblazer$2,132$178
3Kia Soul$2,214$185
4Nissan Kicks$2,236$186
5Honda Passport$2,262$189
6Buick Envision$2,276$190
7Toyota Corolla Cross$2,288$191
8Hyundai Venue$2,308$192
9Mazda CX-5$2,316$193
10Ford Bronco Sport$2,324$194
11Volkswagen Tiguan$2,350$196
12Acura RDX$2,374$198
13Nissan Murano$2,382$199
14Buick Encore$2,410$201
15Honda CR-V$2,420$202
16Subaru Outback$2,420$202
17Buick Envista$2,430$203
18Volkswagen Taos$2,434$203
19Kia Niro$2,442$204
20Toyota GR Corolla$2,466$206
21Subaru Ascent$2,470$206
22Honda HR-V$2,472$206
23Nissan Leaf$2,488$207
24Chevrolet Colorado$2,502$209
25Honda Civic$2,514$210
26Lexus NX 250$2,514$210
27Volkswagen Atlas$2,518$210
28Acura Integra$2,524$210
29Subaru Forester$2,528$211
30Volkswagen Atlas Cross Sport$2,530$211
31Kia Seltos$2,538$212
32GMC Terrain$2,540$212
33Nissan Rogue$2,554$213
34Hyundai Kona$2,556$213
35Cadillac XT4$2,562$214
36Mazda CX-30$2,562$214
37Volkswagen ID4$2,574$215
38Ford Explorer$2,576$215
39Toyota Highlander$2,582$215
40Ford Escape$2,592$216
41Honda Odyssey$2,592$216
42Toyota Venza$2,592$216
43Nissan Sentra$2,602$217
44Subaru Impreza$2,610$218
45Chevrolet Equinox$2,618$218
46Toyota RAV4$2,620$218
47Mazda MX-5 Miata$2,626$219
48Mazda MX-30$2,632$219
49Hyundai Tucson$2,636$220
50Chevrolet Traverse$2,652$221

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all California Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in California with the Subaru Crosstrek ranking first at $2,098 per year
Top 50 cheapest vehicles to insure in California with the Subaru Crosstrek ranking first at $2,098 per year

Average rates in select California cities

Average annual and monthly car insurance rates are shown below for some of the larger cities in California. Click and visit any page for detailed rates including the cheapest cars, trucks, and SUVs to insure in each city.