Short answer: car insurance in California depends on your ZIP code, coverage level and driver/home profile. California's state minimum car insurance is 30/60/15. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in California is about $1,223 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
California car insurance basicsCalifornia is an
at-fault (tort) state for auto insurance. Minimum car insurance in California:
30/60/15 — $30k bodily injury/person, $60k/accident, $15k property damage.
(raised eff. Jan 2025) Statewide average premium:
~$1,223/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in California
California car insurance FAQ
How much is car insurance in California?
The average annual car insurance premium in California is about $1,223 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in California?
Compare multiple carriers, bundle policies, and check local California discounts. Get free quotes in a couple of minutes.
Also compare home insurance in California →