California Car Insurance Rates for 2023

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 $2,172 per year, or around $181 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 Chevrolet Trailblazer, Nissan Rogue Sport, Subaru Crosstrek, and Mazda CX-5.
  • Teenage drivers cost the most to insure in California, with average rates ranging from $5,472 per year for a 19-year-old female driver up to $7,780 per year for a 16-year-old male driver.

What is average car insurance cost in California?

Average car insurance rates in California cost $2,172 per year, or about $181 per month, which is 22.8% more than the national average rate of $1,728.

Some of the cheaper cars to insure in California include the Honda CR-V at $1,840 per year, the Toyota Camry at $2,066 per year, and the Ford Edge at $1,840 per year.

High end models like the Mercedes-Benz AMG GT63, the Tesla Model Y, and the BMW M760i cost an average of $3,722, $2,318, and $3,894 per year, respectively, for full-coverage car insurance.

The chart below shows average car insurance rates in California for 2023 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 $2,172 per year, or $181 per month. For the same deductible level, cost ranges from $1,944 for a 60-year-old driver to $4,322 for a 20-year-old driver.

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Chart Data Details: Chart shows average California car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all California zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in California
Average Car Insurance Cost in California
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,658$305
$500$4,322$360
$250$5,020$418
30$1,000$1,916$160
$500$2,288$191
$250$2,674$223
40$1,000$1,832$153
$500$2,172$181
$250$2,524$210
50$1,000$1,672$139
$500$1,978$165
$250$2,298$192
60$1,000$1,642$137
$500$1,944$162
$250$2,258$188

As shown in the chart, the average cost of car insurance ranges from $1,642 per year for a 60-year-old driver with a policy with high deductibles to $5,020 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 $137 to $418 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 $5,472 per year for a 19-year-old female driver up to $7,780 per year for a 16-year-old male driver.

For 17 and 18-year-olds, average car insurance rates in California will cost $6,468 to $7,274 per year for 17-year-olds and $5,894 to $6,794 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 $1,998 more per year.
  • Increasing policy deductibles from $100 to $1,000 could save $1,000 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 $572 for a 40-year-old driver.
  • Earning multiple policy discounts could save as much as $680 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 $116 per year.
  • Being a homeowner could save around $30 per year.
  • Bundling your auto and homeowners insurance with the same company could save an average of $284 per year.
  • Having an at-fault accident could cause your rates to increase by as much as $894 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 $566 per year on insurance cost.

Is car insurance expensive in California?

When compared to surrounding states, California car insurance rates are 1% more than Nevada, 25.3% more than Oregon, and 27% more than Arizona.

When compared to other states outside the immediate western region, the average cost of car insurance in California is 4.1% more expensive than New York, 2.5% cheaper than Florida, and 25.8% more expensive than the average rate in Texas.

As an example, Tesla Model 3 insurance in California costs an average of $2,220 per year for full coverage. In Nevada, it would cost slightly less at around $2,198, but Washington and Oregon are considerably cheaper at $1,668 and $1,722 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.

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Average Car Insurance Cost in California Compared to West Region
Average Car Insurance Cost in California Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,242-$930
Idaho$1,296-$876
Alaska$1,374-$798
Utah$1,584-$588
Wyoming$1,604-$568
Washington$1,630-$542
Montana$1,656-$516
Oregon$1,684-$488
Colorado$1,930-$242
Nevada$2,150-$22
California$2,172--

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 $1,898 per year. Living in Sacramento would cause the cost of insurance to increase to $2,232, and Los Angeles car insurance cost would average $2,724 per year.

When average rates are compared to the cost of car insurance in specific U.S. cities, average California auto insurance rates are 14.5% higher than Chicago, 16.9% higher than Miami, and 2.9% 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.

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Chart Data Details: Average California car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all California Zip Codes.Data last updated on August 11, 2023
California Car Insurance Rates by Vehicle Segment
California Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,976$165
Midsize Pickup$2,052$171
Midsize SUV$2,118$177
Minivan$2,128$177
Compact Car$2,166$181
Midsize Car$2,212$184
Compact Luxury SUV$2,350$196
Half-ton Pickup$2,358$197
Large SUV$2,374$198
Compact Luxury Car$2,388$199
Heavy Duty Pickup$2,496$208
Midsize Luxury SUV$2,522$210
Large Car$2,524$210
Midsize Luxury Car$2,758$230
Sports Car$2,970$248
Large Luxury SUV$3,194$266
Large Luxury Car$3,352$279

Cheapest car insurance in California

The models with the best car insurance rates in California are primarily compact SUVs like the Chevrolet Trailblazer, Nissan Kicks, Subaru Crosstrek, and Mazda CX-5, which cost an average of $142 or less per month for full coverage insurance.

Other vehicles that have some of the cheapest California car insurance rates are the Buick Envision at an average annual cost of $1,736, the Kia Seltos at $1,760, and the Hyundai Venue at $1,770 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 Cost Monthly Cost
1Chevrolet Trailblazer$1,642$137
2Subaru Crosstrek$1,658$138
3Nissan Kicks$1,666$139
4Honda Passport$1,688$141
5Nissan Rogue Sport$1,694$141
6Mazda CX-5$1,706$142
7Buick Encore$1,730$144
8Buick Envision$1,736$145
9Kia Seltos$1,760$147
10Subaru Ascent$1,768$147
11Hyundai Venue$1,770$148
12Subaru Impreza$1,798$150
13Ford Maverick$1,802$150
14Honda HR-V$1,804$150
15Chevrolet Colorado$1,810$151
16Acura RDX$1,814$151
17Hyundai Kona$1,822$152
18Subaru Forester$1,832$153
19Ford Edge$1,840$153
20Honda CR-V$1,840$153
21Mazda CX-30$1,848$154
22Ford Explorer$1,850$154
23Volkswagen Atlas$1,854$155
24Chevrolet Trax$1,864$155
25Nissan Murano$1,866$156
26Subaru Outback$1,870$156
27Nissan Frontier$1,874$156
28Volkswagen Tiguan$1,886$157
29Ford Bronco Sport$1,892$158
30Fiat 500X$1,924$160
31Ford Ranger$1,926$161
32GMC Terrain$1,930$161
33Kia Soul$1,932$161
34Mitsubishi Eclipse Cross$1,938$162
35Volkswagen Atlas Cross Sport$1,940$162
36Lexus RX 350$1,944$162
37Acura Integra$1,950$163
38Chevrolet Equinox$1,952$163
39Cadillac XT4$1,960$163
40Toyota Corolla Cross$1,960$163
41Volkswagen Taos$1,966$164
42GMC Canyon$1,970$164
43Toyota Venza$1,980$165
44Mazda CX-50$1,982$165
45Volkswagen Jetta$1,982$165
46Hyundai Tucson$1,984$165
47Toyota Tacoma$1,984$165
48Honda Odyssey$1,986$166
49Ford Escape$1,988$166
50Kia Sorento$1,992$166

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in California.Data last updated on August 12, 2023
    Top 50 Cheapest Vehicles to Insure in California

    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.