How Much Does Car Insurance Cost in California? Getting care Insurance is very useful no matter where you are located, but things work differently in different locations. The factors affecting car insurance rates in California differ from that of saying New Jersey for example.
If you want to get the best quality for the best rates, you must take advantage of these factors and use them to your favor. How much does car insurance cost in California? Find out in this article.
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How Much Does Car Insurance Cost in California
There are many factors affecting the rates of car insurance in California. Your premium is determined by certain factors like your insurance coverage level and your driving background.
According to Moneygeek, the average cost of car insurance in California is $1,429 per year but individuals who only get the minimum coverage pay significantly less at $665 per year. If a young driver has added to your coverage or issues a violation, the cost of your premium will increase to about $4,187 or $2,057 per year, respectively.
How Are Insurance Rates Determined in California?
The cost of car insurance in California is determined by factors odder than location. These factors include
- Company
- Age
- Gender
- Credit score
- Driving history
- Vehicle type
- City
All these factors will be explained below;
The Average Cost of Car Insurance in California
There are many factors affecting the rates of Car Insurance in California. Age is a very important factor that affects the price of the premiums. Another factor here is the amount of coverage you want to purchase. The table below shows a summary of the average cost of Car insurance in California.
| Driver | Average Annual Premium | Average Monthly Premium |
| The Average Driver | $1,429 | $119 |
| Drivers Buying Minimum Coverage | $665 | $55 |
| Adding a Young Driver | $4,187 | $349 |
| Drivers With a Violation | $2,057 | $171 |
Why Are Car Insurance Rates Reasonable in California?
The rates of car insurance in California are considered moderate. California is ranked 38th in terms of price. Maine is recorded as the cheapest.
California has been recorded as the second largest state with the highest Urban population because most of the occupants of this state reside in the Urban region. The road in California is some of the busiest roads in the country having the third highest traffic density in the country. This means that more collisions are likely to happen in California.
17% of the drivers in California are insured. Another thing that is common in California is motor Theft.
All of these imply that there is a very high likelihood of drivers filing claims in California.
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Average Cost of Car Insurance in California by Company
Another factor that determines the rates of Car insurance In California is the provider. Rates vary across providers.
What may be affordable for one provider mays be costly for the other. This is why it is very important to get rates from as many companies as possible so that you can compare the figures and their value.
The table below shows the annual cost of Car insurance in California according to the companies present in California;
| Company | Minimum Coverage | Full Coverage |
| Esurance | $570 | $1,055 |
| Progressive | $481 | $1,132 |
| USA | $483 | $1,171 |
| GEICO | $521 | $1,270 |
| MetLife | $670 | $1,318 |
| AAA | $587 | $1,319 |
| Allstate | $758 | $1,322 |
How Much Is Car Insurance in California by Age?
Age is another determining factor here. Young drivers are usually charged with higher rates because companies consider them more prone to taking risks and having accidents. This typically means that the rate of car insurance reduces with the age of the driver.
The table below shows the rate of car insurance for eight different ages in California
| Age | Annual Premium |
| 16 | $4,187 |
| 17 | $3,795 |
| 18 | $3,546 |
| 25 | $1,739 |
| 30 | $1,480 |
| 40 | $1,429 |
| 50 | $1,320 |
California Car Insurance Rates by Gender
Unlike some other states, the state of California prohibits the use of gender to determine the rates of car insurance.
Credit Scores and The Cost of Car Insurance in California
A credit score is another great factor that is considered in these rates. Your credit score will affect how much you pay for car insurance. Drivers with low credit scores will pay higher in other states, but this is not so in California. California Bans the use of credit scores to determine the cost of car insurance.
How Does Driving History Affect Car Insurance Costs in California?
Your driving record is a very vital factor that insurance companies use to create charges. In California, just one speeding ticket can make your cost increase by 40%.
The table below demonstrates how these driving records affect the cost of car insurance in California;
| DRIVING INCIDENT | AVERAGE ANNUAL FULL COVERAGE PREMIUM | % INCREASE IN AVERAGE ANNUAL PREMIUM |
| Clean driving record | $2,190 | 0% |
| Speeding ticket | $2,966 | 35% |
| Accident | $3,626 | 66% |
| DUI | $5,230 | 139% |
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California Car Insurance Rates by Vehicle Type
The type of vehicle you drive also has a great impact on your car insurance premium. Different vehicles and models have different risk levels and accident rates. There are other factors including the cost of car parts, labor for repairs, the cost of safety measures, etc.
Rates will also vary according to the year of your vehicle because new models can come with better and safer specifications.
| VEHICLE | AVERAGE ANNUAL FULL COVERAGE PREMIUM |
| Toyota Prius | $2,363 |
| Ford F-150 | $2,017 |
| Honda Odyssey | $1,874 |
| BMW 330i | $3,064 |
Best Cheap Car Insurance Companies in California
There are many insurance companies. It is very important that you know the ones with the most reasonable rates according to your purchasing ability. Below are the top companies with the cheapest insurance rates in California;
| Geico | $33 |
| AAA NorCal | $38 |
| Progressive | $40 |
| Mercury | $46 |
| State Farm | $52 |
| AAA SoCal | $52 |
| Allstate | $63 |
| Farmers | $80 |
Average Costs of Full Coverage Car Insurance in California – By City
The cost of car insurance in California varies by city. Cities with higher populations normally have higher insurance costs. Therefore, the variance in prices with states depends more on the population than state laws;
| CITY | AVERAGE ANNUAL FULL COVERAGE PREMIUM | % DIFFERENCE FROM STATE AVERAGE ANNUAL PREMIUM |
| Los Angeles | $2,941 | 34% |
| San Diego | $1,976 | -10% |
| San Jose | $2,087 | -5% |
| San Francisco | $2,481 | 13% |
| Fresno | $2,051 | -6% |
| Sacramento | $2,288 | 4% |
| Long Beach | $2,318 | 6% |
| Bakersfield | $2,052 | -6% |
| Oakland | $2,443 | 12% |
| Anaheim | $2,176 | -1% |
Frequently Asked Questions About California Car Insurance Rates
How Much Is Car Insurance in California for A 22-Year-Old
As stated in this article, age has a very great influence on the cost of car insurance in California. The average cost of car insurance for 22 years old in California is $2,135
How Much Is Car Insurance in California for A 17-Year-Old
The cost of car insurance for 17-year-olds is much costlier because they are considered to be more prone to taking careless road decisions and risks. The average value is stamped at; $3,795
How Much Is Car Insurance in California for New Drivers
Younger California drivers generally pay more than two and a half times as much as older drivers for auto insurance.
How Much Is Car Insurance in California for A 20-Year-Old
At the age of 20, the cost of car insurance begins to reduce progressively. The rate is $2,877, compared to the age of 19 who is charged an average of $3,079.
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