How much is the average California auto insurance premium?

California requires a minimum of 15/30/5 for bodily injury and property damage coverage. The average rate of auto insurance in California $155.67/mo.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 3, 2021

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Things to Remember...

  • California has slightly higher average for insurance rates than other states
  • California has required insurance limits and is categorized as an at-fault state
  • California insurance providers offer a variety of insurance options other than the minimum limits
  • The average rate of auto insurance in California $155.67/mo.

California has a reputation for having a higher cost of living than the rest of the nation.

When it comes to auto insurance, California is higher than many other states, but not even close to the states with the highest auto insurance premiums.

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What is the minimum auto insurance coverage required in California?


California is an at-fault state and requires drivers to have a minimum of $15,000 in bodily injury coverage for one person injured in an accident, and $30,000 total for multiple people injured in an accident.

The bodily injury coverage handles medical expenses to other drivers that occur as a result of an accident that was caused by you.

The state of California also requires you to have at least $5,000 in property damage liability coverage. This coverage pays for damage to property that occurs as a result of an accident caused by you.

Most commonly, property damage would cover vehicle damage that occurs to the other driver’s car.

These are simply the minimums required by California state law.

To protect yourself in the event of an injury as well as damage to your vehicle, it is recommended that you purchase more than the minimum insurance requirements.

If you were to total a $50,000 car and only carried $5,000 of property damage liability, you would be responsible for the other $45,000 out-of-pocket.

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What are other insurance options available in California?

There are several types of auto insurance available. Some of the most common are comprehensive and collision coverage.

  • Collision – handles the damage to your vehicle as a result of an accident with another vehicle or object
  • Comprehensive – handles the damage to your vehicle that happens as a result fire, hitting a deer and acts of Mother Nature
  • Uninsured/underinsured – handles damage to your vehicle that happens as a result of an uninsured or underinsured motorist who was at-fault

Having comprehensive, collision, uninsured and underinsured coverage will handle your vehicle under any circumstance.


How can I save money on auto insurance in California?

You can save money by getting only the minimum requirements by California law.

There are many coverages that are optional for California drivers including towing and rental reimbursement.

Many auto insurance companies also give you the option to decide what you would like your deductible to be.

The smaller the deductible is, the more your insurance premium will be; you can save money by opting for a larger deductible.

The vehicle you drive has a large impact on what your insurance rates will be. Safety features on your vehicle help prevent bodily injury in the case of an accident.

There are also vehicles that will cost more to repair in the event of an accident. Other cars are considered high risk, including sports cars.

Driving vehicles that will cost a significant amount to repair or driving vehicles that are a higher risk for accidents will both increase your insurance premium.

If you are concerned about saving on auto insurance and aren’t specific about the car you wish to drive, make sure to find a car that is not deemed high risk.

Get your free auto insurance quote by entering your zip code today!

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