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California

California Car Insurance Rates


California has low car insurance limits and strong laws to protect drivers, yet coverage can still be very expensive for drivers in Los Angeles and San Francisco. Other state car insurance rates can be much cheaper. We’ve got every ZIP code compared in the map below.

California car insurance requirements

California state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $15,000/$30,000
Minimum property damage liability $5,000

California Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In California
  • 90005: $2,451
    LOS ANGELES
  • 90020: $2,434
    LOS ANGELES
  • 90010: $2,422
    LOS ANGELES
  • 90006: $2,415
    LOS ANGELES
 
Cheapest Neighborhoods
In California
  • 93441: $978
    LOS OLIVOS
  • 93402: $989
    LOS OSOS
  • 93444: $997
    NIPOMO
  • 93401: $997
    SAN LUIS OBISPO


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What you need to know about car insurance in California

Penny Gusner
CarInsurance.com
Consumer Analyst

California's minimum liability car insurance requirement is very low in comparison to most states. Drivers must carry at least $15,000 worth of bodily injury liability coverage for anyone they injure, up to $30,000 per accident, and at least $5,000 to cover property damage.

A minor accident could easily exceed these limits, leaving you responsible for any damages not covered by insurance. Consider adding more once you buy a house, start a family, or have savings to protect.

California's Low Cost Auto Insurance program: If you are low income, you may be eligible for the CLCA program, which permits lower liability limits of:

  • Bodily injury liability - $10,000 person / $20,000 per accident
  • Property damage liability - $3,000 per accident

The low-cost program (rates top out at about $350 a year and are often cheaper) is available to drivers with good records, 19 or older, licensed for three years and for vehicles worth $20,000 or less.

Uninsured motorist fees: If you are ticketed for driving without insurance, you could have your car impounded and have to pay up to $200.

Leaving town? If you have a car that you aren’t going to have on the road, place it under Planned Non-Operation (PNO) status and you can legally drop insurance coverage to save money. PNO status allows your registration to be canceled and insurance to be taken off the vehicle until you are ready to once again drive it.

Your credit is not an issue: California law says it’s unacceptable for your credit score to be a rating factor used by personal auto insurance providers. It also requires that California car insurance carriers calculate rates based on miles driven and driving records before considering your geographic location.

What is a good driver?: Insurance law defines for California car insurance companies who should be given a good driver discount. A person qualifies if he or she:

  • Has been licensed for at least three consecutive years
  • Has no more than one point on his or her driving record

Drivers that meet these conditions must receive rates at least 20 percent lower than what a non-good driver's rates would be at the same insurance company.

Alternatives to insurance: There are alternative ways to meet California’s financial responsibility law. Instead of obtaining a California car insurance policy you can provide proof of:

  • A cash deposit of $35,000 with the Department of Motor Vehicles;
  • A certificate of self-insurance issued by the DMV to owners of fleets of more than 25 vehicles; or
  • A surety bond of $35,000 obtained from an insurance company licensed to do business in California.

Largest car insurance companies in California by market share

Rank Company/Group Direct premiums written ($) Market share %
1 State Farm Insurance Group 2,863,700 14.00
2 Farmers Insurance Group 2,699,254 13.20
3 Allstate Insurance Group 1,838,313 8.99
4 Mercury General Group 1,734,647 8.48
5 Auto Club Enterprises Insurance Group 1,718,429 8.40
6 CSAA Insurance 1,353,093 6.62
7 Berkshire Hathaway Insurance 1,327,427 6.49
8 USAA Group 892,539 4.36
9 Progressive Insurance Group 838,645 4.10
10 Liberty Mutual Insurance 738,797 3.61
Source: A.M. Best market share rankings are based on direct premiums written in 2013.
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