Cheap Car Insurance in California 2019

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Average California car insurance premiums by company

(click to see company information)

Average annual premium in California

$1,381

$1,403

$1,405

$1,408

$1,460

$1,482

$1,505

$1,514

$1,550

$1,565

$1,570

$1,583

$1,595

$1,597

$1,600

$1,602

$1,607

$1,612

$1,615

$1,632

$1,647

$1,676

$1,710

$1,711

$1,739

$1,756

Insurance increases after a speeding ticket in California

California drivers who get a speeding ticket see an average premium increase of 47% at renewal time.

$1,596/year

$2,339/year

47%

36%

Insurance increases after an accident in California

California drivers who cause an accident get an average premium increase of 36% at renewal time.

$1,596/year

$2,339/year

47%

36%

Insurance increases after a DUI in California

If you're convicted of a DUI, the average premium increase at renewal time is 39%.

$1,596/year

$2,213/year

39%

California's Low Cost Auto Insurance Program

California has a program that provides affordable liability insurance to drivers who meet eligibility requirements. It's an effort to make sure all drivers can pay for basic auto insurance. To qualify, you must be at least 16, have a valid California driver's license, have a car valued at $25,000 or less, and meet income eligibility guidelines. See more at MyLowCostAuto.com.

Average premiums by California city

Average annual premium

$1,511

$1,815

$1,687

$1,691

$1,415

$1,539

$1,576

$1,557

$1,670

$1,784

$1,462

$1,927

$1,677

$1,522

$1,640

$1,691

$1,281

$1,624

$1,554

$1,481

$1,649

$1,563

$1,560

$1,633

$1,632

$1,570

$1,532

$1,746

$1,575

$1,774

$1,579

$1,632

$1,515

$1,626

$1,633

$1,540

$1,488

$1,688

$1,577

$1,913

$1,877

$1,513

$1,549

$1,427

$1,433

$1,565

$1,500

$1,761

$1,573

$1,373

$1,514

$1,433

$1,484

$1,563

$1,657

$1,469

$1,555

$1,787

$1,529

$1,451

$1,368

$1,552

$1,558

$1,645

$1,569

$1,594

$1,708

$1,884

$1,869

$1,750

$1,476

$1,574

$1,680

$1,537

$1,432

$1,455

$1,579

$1,604

$1,716

$1,504

$1,550

$1,568

$1,383

$1,531

$1,574

$1,666

$1,345

$1,423

$1,549

$1,551

$1,625

$1,720

$1,719

$1,550

$1,620

$1,559

$1,589

$1,539

$1,457

$1,512

$1,715

$1,580

$1,681

$1,525

$1,623

$1,658

$1,601

$1,486

$1,615

$1,447

$1,547

$1,417

$1,578

$1,732

$1,520

$1,570

$1,966

$1,534

$1,464

$1,708

$1,468

$1,461

$1,579

$1,638

$1,617

$1,581

$1,617

$1,529

$1,501

$1,581

$1,749

$1,851

$1,484

$1,605

$1,431

$1,588

$1,446

$1,584

$1,590

$1,557

$1,859

In California you must show an insurance ID card (or other proof of financial responsibility) when:

Penalties for not having car insurance in California

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 21, 2019

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