California Auto Insurance Information and Trends
With CarInsurance.com, you can secure the perfect auto insurance in California, one of the most beautiful states in the country. California is known for its beaches, Hollywood, the Golden Gate Bridge, tall Sequoias and famous Route 66. But it's also known for horrific traffic, treacherous mountain roads and a high number of uninsured drivers.
| Current average car insurance premium in California | $1,574.41 |
| Current average car insurance premium U.S. | $1,998.23 |
| Los Angeles | $1,677.88 |
| San Diego | $1,318.26 |
| Check out our car insurance rates in more California cities | |
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If you want to stay current with California's insurance rates (it's a good idea because they can change each month, like in most states) just use CarInsurance.com's Average Premium Trend Tool. It tracks rates on an ongoing basis. Just follow the arrow; it shows California's monthly average premium.
Questions California drivers ask most
- How long does a car accident stay on your auto insurance record in California?
- How long does a violation stay on your driving record in California?
Resources for California drivers
- Get a copy of your California motor vehicle record online
- California Department of Insurance Consumer Division
- California road conditions and traffic maps
CarInsurance.com has more than a dozen insurers eager to give you quotes and more information as you choose a policy. Begin by employing the various tools at this site that can provide the costs and aid you in picking the right carrier. It may help to know what the minimum coverage requirements are and what other California drivers are paying for their insurance.
California state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage.
Minimum Required Insurance Coverage in California*
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
*Required limits for drivers in the California Automobile Assigned Risk Plan are $10,000/$20,000/$3,000
The state of California follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). California does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
When choosing a carrier, first look at the Minimum State Required package. You can then customize coverage by picking deductibles and limits that fit your driving needs, whatever they may be. If you want to discuss options, CarInsurance.com's insurance California-insured agents are available with all the information you'll need and quotes at the ready.
Don't think that there's no need to shop around because state insurance regulators and the insurance companies set prices. The best way to get the best deal in the Golden State is to do some simple research and get a few quotes. You can do that here at CarInsurance.com, where finding you the best coverage is our top priority.
If thieves in your area have a fondness for the car you own, you can expect to pay higher rates. Here’s a look at California car thieves’ current favorites:
