Car insurance premiums in California can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.

We’ve listed the most affordable cars to insure in California by category, from sedans to sports cars and EVs.

Ranked: The cheapest cars to insure in California

In California, Honda CR-V and Subaru Forester have the cheapest car insurance rates, followed by Volkswagen Tiguan and Honda HR-V, based on our research.

The table below highlights the most affordable vehicles to insure in California, including their average six-month full coverage premiums.

Car make-modelAverage six-month premium
Honda CR-V$1,161
Subaru Forester$1,184
Volkswagen Tiguan$1,185
Honda HR-V$1,190
Honda Odyssey$1,192
Chevrolet Express$1,227
Honda Pilot$1,236
Mazda CX-5$1,240
Hyundai Tucson$1,243
Hyundai Kona$1,250

Read more: Cheapest cars to insure across the United States

Most affordable cars to insure by vehicle type in California

Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.

Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.

Cheapest sedans to insure in California

Our data shows that Subaru Legacy is the most affordable sedan to insure in California. Its average six-month full coverage cost is $1,320 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

The Volkswagen Jetta takes the second spot at $1,358, while the Honda Civic Sedan comes in third with an average cost of $1,409.

The table below shows the cheapest sedans to insure in California and their average full coverage six-month costs.

Vehicle model (sedan)Average six-month premium
Subaru Legacy$1,320
Volkswagen Jetta$1,358
Honda Civic Sedan$1,409
Nissan Versa$1,413
Nissan Sentra$1,417
Kia Forte$1,441
Toyota Corolla$1,459
Volkswagen Jetta GLI$1,466
Hyundai Elantra$1,466
Honda Accord$1,493
Nissan Altima$1,496
Toyota Camry$1,530
Chevrolet Malibu$1,548
Mazda 3 Sedan$1,580
Kia K5$1,661
Hyundai Sonata$1,702
Mitsubishi Mirage G4$1,707

Learn more: Cheapest sedans to insure across the United States

SUVs with the cheapest car insurance costs in California

The Honda CR-V and Subaru Forester are the cheapest SUVs to insure in California, with an average cost of $1,161 and $1,184 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.

Vehicle model (SUV’s)Average six-month premium
Honda CR-V$1,161
Subaru Forester$1,184
Volkswagen Tiguan$1,185
Honda HR-V$1,190
Honda Pilot$1,236
Mazda CX-5$1,240
Hyundai Tucson$1,243
Hyundai Kona$1,250
Subaru Crosstrek$1,267
Chevrolet Equinox$1,272
Subaru Ascent$1,277
Toyota RAV4$1,295
GMC Terrain$1,308
Kia Sportage$1,311
Buick Encore GX$1,316
Nissan Murano$1,321
Mini Cooper Countryman$1,321
Toyota 4Runner$1,321
Volkswagen Atlas$1,322
Volkswagen Atlas Cross Sport$1,322

Learn more: Cheapest SUVs to insure across the United States

Sports cars with affordable insurance rates in California

Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.

However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,419.

The table below highlights the average six-month full coverage cost of various sports cars.

Vehicle model (Sport cars)Average six-month premium
Mazda MX-5 Miata$1,419
Honda Civic Si$1,551
Chevrolet Camaro$1,723
Ford Mustang$1,751
Subaru WRX$1,763
Subaru BRZ$1,771
Porsche 718 Boxster$1,880
BMW Z4$1,932
Honda Civic Type R$2,008
Toyota GR Corolla$2,011
Toyota GR86$2,012
Toyota GR Supra$2,028
Chevrolet Corvette$2,059
Chevrolet Camaro ZL1$2,202
Porsche 718 Cayman$2,234
Chevrolet Corvette Z06$2,456
Jaguar F-Type$2,475
Porsche 911$2,763
Nissan Z$3,031
Porsche 911 GT3$3,183

Learn more about cheapest sports cars to insure

Most affordable luxury vehicles to insure in California

Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.

Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,276 for a six-month full coverage policy. The Cadillac XT4 and Acura MDX also have affordable insurance rates at $1,313 and $1,329, respectively.

This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

Vehicle model (Luxury cars)Average six-month premium
Acura RDX$1,276
Cadillac XT4$1,313
Acura MDX$1,329
Cadillac XT5$1,383
Jaguar E-Pace$1,438
Mercedes-Benz GLA-Class$1,503
BMW X3$1,516
Audi Q3$1,524
Mercedes-Benz GLC-Class$1,530
Land Rover Discovery Sport$1,535
Lincoln Corsair$1,548
Infiniti QX50$1,559
BMW X1$1,563
Porsche Macan$1,565
Mercedes-Benz GLC-Class Coupe$1,571
Cadillac XT6$1,609
BMW X2$1,622
Acura TLX$1,626
Audi Q7$1,645
Infiniti QX60$1,645

Read more about insuring luxury cars in 2025

Top electric cars with cheap insurance rates in California

Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.

According to our data analysis, insuring an electric vehicle costs an average of $4,241 a year or $353 a month.

Below is a list of the most affordable EVs to insure in California for a full coverage policy and average six-month premiums.

Vehicle model (EVs)Average six-month premium
Mini Cooper Electric$1,287
Nissan Leaf$1,400
Hyundai Kona Electric$1,561
Kia Niro EV$1,598
Chevrolet Silverado EV$1,636
Volkswagen ID.4$1,642
Chevrolet Blazer EV$1,657
Subaru Solterra$1,730
Genesis Electrified GV70$1,773
Volvo XC40 Recharge$1,812
Jaguar I-Pace$1,817
Nissan Ariya$1,819
Audi Q4 e-tron$1,825
Ford F-150 Lightning$1,830
Toyota bZ4X$1,834
Ford Mustang Mach-E$1,835
Kia EV6$1,897
Hyundai Ioniq 5$1,904
Volvo C40 Recharge$1,912
Mercedes-Benz EQB$2,007

Learn more about how much does insuring an electric vehicle cost

Cheapest cars to insure for teens and young drivers in California

Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.

An 18-year-old driver can expect to pay $3,031 to insure a Honda CR-V, while insuring a Honda Odyssey costs $3,049 for a six-month full coverage policy for 18-year-olds.

The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.

Cheapest cars to insure for teens and young drivers

Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.

The average six-month insurance rate for an Electric is $0
Show Graph View
Vehicle make-modelAverage six-month premium
Mini Cooper Electric$3,288
Nissan Leaf$3,644
Hyundai Kona Electric$4,157
Kia Niro EV$4,210
Chevrolet Silverado EV$4,270
Chevrolet Blazer EV$4,308
Volkswagen ID.4$4,320
Subaru Solterra$4,496
Genesis Electrified GV70$4,551
Ford F-150 Lightning$4,716

Final thoughts

While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.

Frequently asked questions

Collapse allExpand all

Do electric cars have lower insurance costs in California?

Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.

For example, it costs $1,287 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Nissan Leaf is $1,400, according to our analysis.

Which SUVs are the cheapest to insure in California?

The Honda CR-V is one of the cheapest SUVs to insure in California, with an average cost of $1,161 for a six-month car insurance plan. The Subaru Forester and Volkswagen Tiguan also come with relatively low insurance premiums.

What are the cheapest cars to insure for teen drivers in California?

The Honda CR-V, Honda Odyssey, Subaru Forester and Volkswagen Tiguan are some of the cheapest cars to insure for an 18-year-old driver in California. On the other hand, Mercedes-AMG GT, BMW i7 and Maserati Quattroporte are the most expensive vehicles to insure for a young driver.

Methodology

CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.

Authors Still have a question? Ask our experts

Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.

Browse all FAQs
Please enter a valid input Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
All information provided will remain confidential.
Please enter a valid input
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. You are a bot!
Ask another question
Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.