California Car Insurance FAQ - Quick Answers

The average annual car insurance premium in California is $1,643, coming in much higher than the national average of $1,311 per year. For exact pricing on your car insurance rates, consult with a licensed professional, free of charge.  

Here is how your California auto insurance can help cover different losses that could occur:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist

California is an at-fault state when it comes to car accidents. This means that the driver who caused the accident is responsible for covering the damage. You're also required to carry minimum liability limits of $15,000 per person/ $30,000 per accident/ $5,000 property damage.

California car insurance is mandatory at the state minimum limits, but not everyone follows this law. The current rate of drivers that are uninsured in California is 15.2%. If your auto policy has uninsured/underinsured motorist coverage, you'll have protection when you get into an accident with one of these drivers.

Your car insurance can be found through a variety of carriers. In California, Nationwide, Progressive, Travelers, and Stillwater insurance companies are among the top-rated for car insurance. This is due to their superior claims service and broad coverage selection. 

Do You Know What Your California Car Insurance Covers?

Find the best car insurance in your city

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Chula Vista30.03.0$1,508
Long Beach31.05.0$1,756
Los Angeles32.03.9$1,707
San Diego24.53.6$1,500
San Francisco33.84.8$1,909
San Jose30.95.9$1,898
Santa Ana25.54.0$1,653