Popular QuestionsPopular Questions about California Car Insurance

How much does California car insurance cost? $1,643

On average, California drivers pay $1,643 a year for car insurance. This is higher than the national average cost of $1,311 a year. Shopping around for the lowest rate has the potential to save you hundreds of dollars a year.

Independent insurance agents can help by obtaining customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price. 

What can California car insurance do for me?

Accidents can happen to anyone. If you are involved in a crash, here are a few of the ways that your California auto insurance can help.

Pay to fix your car

  • This is called collision & comprehensive insurance
  • Collision insurance covers damages sustained in a collision, regardless of fault; while comprehensive insurance covers non-collision-related damage.
  • This coverage is optional by law, but may be required by your lender if you are still paying for your car, or by the dealership if you are leasing it.

Pay to fix someone else's car

  • This is called property damage liability insurance.
  • Property damage liability insurance is designed to cover damage to other people’s vehicles and property if you are responsible for a collision while driving.
  • This coverage is required in California.
  • Your policy must include a minimum of $5,000 worth of property damage liability coverage.

Pay your medical bills

  • This is typically referred to as medical payments insurance, personal injury protection insurance, or, simply, "PIP."
  • This is designed to cover your medical bills, lost wages, and other expenses if you are injured in a collision, regardless of fault.
  • This coverage is important since most heath insurance policies will not cover injuries sustained in a collision.
  • This coverage is optional in California.

Pay someone else's medical bills

  • This is called bodily injury liability insurance.
  • Bodily injury liability insurance is designed to cover the cost of medical treatments and lost wages for other people if you cause them injuries in a collision.
  • This coverage is required in California.
  • Your policy must include at least $15,000 per person / $30,000 per accident worth of bodily injury liability insurance.

Pay for your losses if an uninsured driver causes a collision

  • This is called uninsured motorist insurance.
  • Uninsured motorist insurance will provide immediate coverage for you if an uninsured driver is responsible for damage to your property or injuries that require medical attention.
  • This coverage is required in California.
  • Your policy must include at least $3,500 in uninsured motorist property damage coverage and $15,000 per person / $30,000 per accident worth of uninsured motorist bodily injury coverage.

In addition to the coverage mentioned above, you can also include other coverage options in your car insurance policy such as gap insurance, rental car reimbursement insurance, and towing and roadside assistance insurance. Talk to a local independent insurance agent to learn more.

Who pays if the accident wasn’t my fault?

California is what is known as an at-fault, or tort state. This means that the driver who caused the accident is responsible for covering the cost of damages.

How many California drivers are uninsured? 15.2%

Driving without insurance is illegal in California. If caught, you can face fines of $100 to $200 for your first offense, and fines of $200 to $500 for a second offence. There are also added fees of about $350 attached to these fines.

Despite this, approximately one out of every seven drivers you are sharing the roads with is operating an uninsured vehicle. These drivers have no financial backup to cover the cost of accidents and are unlikely to be able to pay for any medical attention you may need if they cause a collision with your vehicle. 

Fortunately, because this state requires you to carry uninsured motorist insurance, you will be covered after a collision caused by one of these drivers. This insurance pays for your property damage and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver. 

What is the best car insurance company in California?

When it comes to car insurance, there is no single insurance company that is the best for everyone. The company that offers you the best rate for coverage might not be the right choice for your neighbor.

That is why independent agents compare policies and rates from a variety of highly rated insurance companies. That way, they can find the policy that offers the coverage you need at the most competitive price.

Are there any independent insurance agents in California?

Yes! There are currently 469 independent insurance agents in California who are ready to help.

Because they are not tied to a single insurance provider, these agents can shop around to find you reliable coverage at a competitive rate. Contact an insurance agent near you to discover how easy it can be to get car insurance at a great price.

InformationFind the best car insurance in your city

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost:  $1311 / year
  • National average car thefts per 1,000:  2.29
  • National average time spent commuting:  25.4 min
CityAvg. Commute Time (Min)Theft Rate per 1,000 VehiclesAvg. Insurance Cost (Yearly)
Anaheim26.53.87$1,554
Bakersfield23.27.20$1,765
Chula Vista28.82.51$1,508
Fresno21.74.45$1,560
Irvine24.80.69$1,346
Long Beach29.54.85$1,756
Los Angeles29.84.30$1,707
Oakland31.711.79$1,952
Riverside29.85.57$1,834
Sacramento24.85.69$1,746
San Diego22.93.61$1,500
San Francisco31.48.00$1,909
San Jose30.07.36$1,898
Santa Ana25.54.62$1,653
Stockton28.46.56$1,777

Los Angeles, CA, Car Insurance

The average monthly cost of car insurance in Los Angeles is $142.

Insurance companies take into account such things as your age, gender, and driving record as well as details about your vehicle when calculating a personalized car insurance quote for you. Remember, the average mentioned above only serves as a baseline to give you an idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this amount. 

The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Los Angles have some of the longest commute times in the state, and much of this time is spent on multi-lane highways where accidents occur frequently. The time you spend getting to and from work can translate to higher costs for car insurance. If you work from home or use public transportation, you may be entitled to discounts on your coverage.

An independent insurance agent in Los Angeles can help you get the lowest possible rates for your car insurance by ensuring that you get any discounts for which you may qualify.

San Diego, CA, Car Insurance

The average monthly cost of auto insurance in San Diego is $125.

When calculating your actual rate, insurance companies will take several factors into consideration including such things as your vehicle’s make, model, and year, and your age, driving record, and claims history. This means your monthly cost could be significantly higher or lower than this average.

There are several parts of San Diego that pose a significant risk to area drivers. One of the most dangerous roads is Interstate 5 (or, “the 5”) and among the worst intersections is University Avenue & 52nd Street. Of course, collisions can occur anywhere. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not need to worry about an accident having a negative impact on your finances.

As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident. Talk to a local independent insurance agent to learn more.

San Jose, CA, Car Insurance

The average monthly cost of car insurance in San Jose is $158.

Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of factors such as your age, driving history, and claims history as well as details about the vehicle(s) you wish to insure. Let an independent insurance compile a variety of customized San Jose car insurance quotes so you can find the policy that offers the best value for your hard-earned money.

Can you imagine walking out of your local supermarket with a cart full of food only to discover that your car has been stolen? As a resident of San Jose, where residents report close to 8,000 auto thefts every year, this is a valid concern. That is why many vehicle owners opt to include comprehensive coverage in their auto insurance policies. This optional coverage can cover the costs associated with having your car stolen.

Learn more about what comprehensive insurance can do for you by consulting an independent insurance agent in San Jose.

San Francisco, CA, Car Insurance

The average monthly cost of auto insurance in San Francisco is $159.

Your San Francisco car insurance rates are customized according to your personal details. Because of this, your actual monthly cost could be considerably higher or lower than this amount. Your driving record, your vehicle’s year, make, and model, and the amount of coverage you want are just some of the many factors that can influence how insurance companies calculate your price.

San Francisco has a well-known risk of earthquakes. Earthquakes and tremors could cause structures like garages to collapse around your car or could result in dents and windshield cracks due to falling debris. Fortunately, these damages can be covered if your policy includes comprehensive insurance. If you are still paying for your car, chances are good you already have this optional other-than-collision coverage.

Talk to an independent agent in San Francisco to learn more about how each car insurance coverage option can benefit you.

Fresno, CA, Car Insurance

The average monthly cost of car insurance in Fresno is $130.

You should, however, take this average with a grain of salt. Your actual monthly cost could be higher or lower than this, since your Fresno auto insurance rate is completely personalized according to a number of details such as your driving history, vehicle information, deductible amount, and more.

Whether you find yourself in a multi-vehicle collision on the Golden Star Highway or you get in a fender bender on McKinley Avenue, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle are covered, even if the accident is your fault.

Learn more about collision coverage as well as the other optional coverages available to you by speaking with one of Fresno’s experienced independent agents.