Average Car Insurance Cost in California
Numbers refreshed
NAIC lists California averages by coverage and the state's national rank.
- $1,690.The yearly average for full coverage.
- 30/60/15.The minimum limits for liability.
- 14th of 51.states by cost. Here 1st = highest.
Average costs by coverage in California
In California, full coverage costs $1,690 each year on average. This figure is 5% higher than the US yearly average of $1,613.
Average spending for each insured car rose from $1,225 in 2023 to $1,454 in 2024, an increase of 18.7%.
| Coverage in California | Per year | Per month |
|---|---|---|
| Liability | $760 | $63 |
| Collision | $718 | $60 |
| Comprehensive | $211 | $18 |
| Full coverage (all three) | $1,690 | $141 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states compared with California
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Michigan | 11th | $1,791 | $149 |
| Maryland | 12th | $1,768 | $147 |
| Delaware | 13th | $1,746 | $145 |
| California | 14th | $1,690 | $141 |
| Connecticut | 15th | $1,690 | $141 |
| South Carolina | 16th | $1,665 | $139 |
| Arizona | 17th | $1,647 | $137 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your number
Averages cover all ages and records. The California calculator factors in your age and record.
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