Full Coverage Car Insurance in California
Numbers refreshed
Priced from California averages: liability, collision and cover for damage that isn't from a collision.
- Full coverage averages $141 a month.
- Minimum liability limits are 30/60/15.
- It ranks 14th of 51 as the most expensive state (1st = highest).
How much full coverage costs in California
Full coverage takes liability and adds collision plus cover for damage that isn't from a collision. Those two parts cost $930 a year in California, added to the $760 average for liability.
| 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).
The point where full coverage stops paying off
While you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, compare what it's worth with the $930 a year price of extra coverage. Liability only is usually the better deal when one rough year of premiums would pay for most of the car.
Full coverage for each car in California
These estimates cover an adult driver with a clean record, taken from IIHS-HLDI loss results. Among the 40 models we price, these are the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,077 | $90 |
| Honda CR-V | $1,092 | $91 |
| Subaru Outback | $1,147 | $96 |
| Toyota RAV4 | $1,279 | $107 |
| Mercedes-Benz C-Class | $2,324 | $194 |
| Chevrolet Camaro | $2,626 | $219 |
| Dodge Charger | $3,057 | $255 |
| Dodge Challenger | $3,143 | $262 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written