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Cheapest car insurance quotes in California
In California, the average monthly cost of car insurance is $96 for liability-only insurance and $199 for full coverage. California’s liability insurance rate is similar to the national monthly average of $98. But the U.S. average full-coverage rate of $186 is a bit lower than California’s.
Insurify collected rates from 120+ top insurance companies to find the state’s cheapest car insurance companies.
Below, you can compare rates from the cheapest auto insurers for different driver profiles. All costs reflect liability-only rates unless otherwise stated.
Driver Category |
Cheapest Insurance Company in CA |
Cheapest Monthly Quote in CA |
|---|---|---|
| Overall | USAA | $65 |
| State-minimum coverage | USAA | $65 |
| Full coverage | Aspire General | $121 |
| Drivers with a clean record | USAA | $65 |
| After a speeding ticket | USAA | $84 |
| After an at-fault accident | USAA | $86 |
| After a DUI | USAA | $91 |
| Teen/new drivers | USAA | $120 |
| Seniors | USAA | $54 |
Disclaimer: Table data is based on real-time California quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in California: USAA
USAA offers the lowest liability-only auto insurance rates in California, with average monthly premiums of $65. On average, California drivers pay $96 per month for liability insurance, which is much lower than the state’s full-coverage rate of $199. But liability-only insurance won’t cover your vehicle repairs if you cause an accident.
In California, drivers must have at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.[1]
Here are some insurers that offer the most affordable liability-only policies in California.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| USAA | $65 |
| Aspire General | $69 |
| GEICO | $71 |
| Sun Coast | $72 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $80 |
| Root | $87 |
| Allstate | $89 |
| Direct Auto | $89 |
| Farmers | $92 |
| Anchor | $95 |
| State Farm | $100 |
| Bristol West | $101 |
| Kemper Special | $103 |
| Travelers | $105 |
| Kemper Rsvp | $113 |
| 21st Century | $114 |
| Nationwide | $141 |
| Chubb | $178 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Agent Tip: Is liability-only insurance enough?
)
Mallory Mooney
Licensed P&C Insurance Agent and Director of Sales and Client Services, Insurify
In California, just buying the state’s minimum liability insurance won’t fully protect your vehicle at all and can put you in a tricky financial spot if you have a car accident. If you crash into another driver’s vehicle and cause serious damage, you’ll be on the hook to pay for any damages beyond the state’s $15,000 property damage minimum. It’s a good idea to consider buying a full-coverage policy with collision coverage, comprehensive insurance, and higher liability limits.
Cheapest full-coverage car insurance in California: Aspire General
Aspire General has the lowest prices for full-coverage car insurance in California. The average monthly premium for full-coverage insurance in California is $199.
Full-coverage car insurance is a good idea for most drivers in California. Drivers in the state face expensive car repair costs, traffic congestion, and increasing wildfire risk.[2] Traffic is very heavy in cities like Los Angeles, where more than 500,000 drivers use the I-5 freeway each day.[3]
Below, you’ll find the most affordable full-coverage insurers in California.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| Aspire General | $121 |
| Root | $135 |
| Mercury | $140 |
| GEICO | $143 |
| USAA | $144 |
| Kemper Special | $160 |
| Kemper Rsvp | $163 |
| Sun Coast | $166 |
| Anchor | $180 |
| Dairyland | $187 |
| National General | $194 |
| Allstate | $198 |
| Farmers | $204 |
| Bristol West | $213 |
| Direct Auto | $219 |
| State Farm | $221 |
| Travelers | $232 |
| 21st Century | $253 |
| Nationwide | $311 |
| Chubb | $393 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Cheapest recent car insurance quotes in California
Drivers using Insurify have found quotes as cheap as $63/mo for liability only and $121/mo for full coverage in California.
Liability Only
Quoted June 17, 2026A Bakersfield, California, driver just saved on coverage for their Nissan 350Z with this quote from Mercury.$63/mo*Find similar
Quoted June 17, 2026We just helped a driver in El Centro, California, cover their Chevrolet Cruze with this quote from Kemper RSVP.$83/mo*Find similar
Quoted June 17, 2026Dairyland helped a Nissan Sentra driver in Firebaugh, California, save on car insurance with this quote.$72/mo*Find similar
Quoted June 17, 2026A Bakersfield, California, driver just saved on coverage for their Toyota Tacoma with this quote from Anchor Gemini.$87/mo*Find similar
*Quotes generated for Insurify users from California within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.Full Coverage
Best cheap car insurance companies in California
California drivers face specific challenges, like crowded cities, wildfire dangers, and high vehicle theft rates. These risk factors make it especially important to find the right car insurance company for your coverage needs.
Here are three of the best car insurance companies in California and the types of drivers they work best for.
USAA: Best for military members in California
military members in California
| User Reviews | 4.93,815 reviews |
|---|---|
| IQ Score | 9.1 /10 |
| Liability Only | $65/mo |
| Full Coverage | $144/mo |
Driver Reviews
4.9
Best choice in CaliforniaBased on 3,815 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in California for
Members of the military community
Outstanding customer service
Competitive rates
Showing 21 reviews from California driversSee all 1,597 USAA reviews
Kristina
Verified Review
You’re the Only One Who Cares About You – Your Safety, Your Money, and Your Bottom Line
Reviewed in California on May 5, 2026
Move out of or stay out of California; it’s an insurance rip-off and joke. It doesn’t matter if you have a pristine driving record (like me, 30+ years as a licensed driver, zero tickets, zero accidents, zero claims – still screwed!). As long as there are people encouraged to break the law, you’re going to foot the bill. First and foremost, be a responsible driver, drive defensively, pay attention, and keep your head on a swivel. Understand that no one else out there cares about you, your life, your vehicle, or your money, so you have to do right by yourself and your family alone. My next best advice to help ensure you can have your own back, because not everyone can even qualify for USAA (but if you do qualify for USAA, bar none, there is no better insurer out there, period!), is to figure out how to self-insure. Pay the premiums to yourself, invest in a no-touch type of account to accumulate your premiums and get an actual return on that investment. Then, if the worst-case scenario happens and you need to handle business, guess what – you can pay for it yourself. Your claim won’t be denied, and your rates won’t go up if, God forbid, you get in an accident, nor will you be denied coverage. These days, you’re going to foot the bill, one way or another, most likely for you and the other party involved, so you might as well be your own insurer and quit paying premiums to another company who will forget that you’ve been footing the bill for all these years with no claims the moment you actually need them.
Courtney
Verified Review
USAA
Reviewed in California on April 21, 2026
Rates are too high for Tesla vehicles, otherwise excellent.
Richard
Verified Review
USAA Outstanding!
Reviewed in California on March 23, 2026
Outstanding. I have only had to use it once for an accident, but USAA was so helpful. I have been with them for 30+ years and lived in Rhode Island, England, as well as California.1234
…7Our Advice
National General: Best for drivers with a violation in California
drivers with a violation in California
| User Reviews | 3.71,334 reviews |
|---|---|
| IQ Score | 7 /10 |
| Liability Only | $73/mo |
| Full Coverage | $194/mo |
Sun Coast: Best for specialized coverage in California
specialized coverage in California
| User Reviews | 4.241 reviews |
|---|---|
| Liability Only | $72/mo |
| Full Coverage | $166/mo |
How car insurance costs in California have changed
The average cost of car insurance in California is $96 per month for liability coverage and $199 for full coverage.
Insurify estimates California auto insurance costs will increase by 1% by the end of 2026. Drivers might face these slightly higher premiums in part due to California’s increased minimum coverage requirements that went into effect in 2025.[5]
Average car insurance costs in California over time
The chart below shows how car insurance rates in California have changed over the past five years.
Average California Car Insurance Rates Over the Past Five Years
Disclaimer: Table data sourced from real-time quotes from Insurify’s 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer’s unique driver profile.
Find Affordable California Car Insurance
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California car insurance requirements
California increased its minimum liability limits in 2025, but the state requires only bodily injury and property damage liability coverages. California is an at-fault state, which means your coverage will pay for the other driver’s damages if you cause an accident.
Though the higher liability limits in California now provide drivers with more protection, a liability-only policy won’t cover your injuries or vehicle damages.
Below are the minimum coverage requirements for California.
| Coverage Type |
Minimum Requirement |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $15,000 per accident |
Car insurance rates across California cities
Car insurance rates in California vary by location. For instance, drivers in California’s busiest places, like Los Angeles and the Bay Area, will likely pay more for coverage due to intense traffic congestion and higher accident risk. Drivers in Victorville, which has a lower population density and accident rates, pay some of the lowest rates in the state.
The table below shows the average overall car insurance costs in various California cities.
| City |
Average Monthly Quote |
|---|---|
| Anaheim | $156 |
| Bakersfield | $128 |
| Berkeley | $148 |
| Chula Vista | $123 |
| Elk Grove | $139 |
| Fremont | $134 |
| Fresno | $127 |
| Glendale | $261 |
| Long Beach | $165 |
| Los Angeles | $217 |
| Modesto | $139 |
| Moreno Valley | $143 |
| Oakland | $164 |
| Oxnard | $134 |
| Riverside | $145 |
| Sacramento | $152 |
| San Bernardino | $153 |
| San Diego | $126 |
| San Francisco | $166 |
| San Jose | $132 |
| Santa Ana | $148 |
| Santa Barbara | $117 |
| Santa Maria | $111 |
| Stockton | $140 |
| Temecula | $127 |
| Victorville | $155 |
Disclaimer: Table data is based on real-time California quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
On-the-spot guidance from licensed insurance experts
Qualifications:
- Licensed property and casualty insurance agent
- 25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Car insurance quotes in California for drivers with a clean record: USAA
If you have a clean driving record in California, you’ll pay lower car insurance rates than if you have a speeding ticket or accident in your record. USAA, Aspire General, and GEICO are a few of the cheapest car insurance companies for California drivers with clean records.
The table below shows the cheapest average liability insurance premiums for drivers with good credit and clean records.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| USAA | $57 |
| Aspire General | $58 |
| National General | $60 |
| Sun Coast | $61 |
| GEICO | $63 |
| Mercury | $65 |
| Dairyland | $69 |
| Direct Auto | $77 |
| Root | $78 |
| Farmers | $79 |
| Anchor | $80 |
| Allstate | $80 |
| Kemper Special | $87 |
| State Farm | $87 |
| Bristol West | $89 |
| Travelers | $90 |
| Kemper Rsvp | $95 |
| 21st Century | $101 |
| Nationwide | $121 |
| Chubb | $148 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance in California for drivers with a speeding ticket: USAA
In California, a speeding ticket can result in a fee of more than $500, depending on your speed. Insurify data shows that about 3% of drivers in the state have at least one ticket, which can increase insurance costs. On average, California drivers with a speeding ticket pay $122 per month for liability insurance.
The table below highlights the most affordable liability insurance rates for California drivers with a speeding ticket.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| State Farm | $39 |
| USAA | $42 |
| Farmers | $72 |
| Direct Auto | $73 |
| Root | $73 |
| GEICO | $77 |
| Allstate | $80 |
| Safeco | $85 |
| Bristol West | $97 |
| The General | $107 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Affordable car insurance in California with an at-fault accident: USAA
About 5% of California drivers have had an at-fault accident, according to Insurify data. The main causes of accidents in California are speeding, distracted driving, and alcohol use, according to data from the California Office of Traffic Safety.[6]
No matter the reason, having an at-fault accident will typically increase your insurance costs. The average cost of liability insurance for a California driver with a past accident is $122 per month. You can still find affordable coverage, like from USAA, the cheapest insurer for California drivers with an accident.
Here are some of the most affordable liability insurance premiums for California drivers with an at-fault accident on their records.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| USAA | $86 |
| Aspire General | $88 |
| Sun Coast | $92 |
| GEICO | $92 |
| National General | $95 |
| Dairyland | $104 |
| Root | $107 |
| Mercury | $107 |
| Allstate | $117 |
| Direct Auto | $119 |
| Farmers | $121 |
| Anchor | $121 |
| State Farm | $130 |
| Kemper Special | $131 |
| Bristol West | $131 |
| Travelers | $139 |
| Kemper Rsvp | $144 |
| 21st Century | $153 |
| Nationwide | $187 |
| Chubb | $233 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Cheap car insurance quotes for California drivers with a DUI: USAA
Alcohol plays a role in about one-third of motor vehicle deaths in California, and Insurify data shows that almost 1% of drivers in the state have a DUI.[7] Some insurers may cancel your coverage after a DUI, and you might need SR-22 insurance depending on how serious the violation is. USAA offers the lowest rates for drivers with a DUI in California.
Here are some of the cheapest liability car insurance premiums for California drivers with a DUI.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| USAA | $91 |
| Aspire General | $94 |
| Sun Coast | $98 |
| GEICO | $99 |
| National General | $103 |
| Mercury | $109 |
| Dairyland | $112 |
| Root | $122 |
| Allstate | $125 |
| Direct Auto | $125 |
| Farmers | $129 |
| Anchor | $136 |
| State Farm | $140 |
| Kemper Special | $141 |
| Bristol West | $142 |
| Travelers | $147 |
| 21st Century | $154 |
| Kemper Rsvp | $154 |
| Nationwide | $198 |
| Chubb | $250 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance for drivers with an SR-22 in California: USAA
If you have a qualifying violation, such as a DUI or driving without insurance, you typically need to have an SR-22 filed as proof of insurance for three years in California.[8]
California drivers with SR-22 car insurance coverage pay an average of $109 per month for liability coverage. The cheapest insurer for SR-22 drivers in California is USAA.
California has a solid selection of insurance companies that offer SR-22 coverage, including well-known national companies and specialty insurers. The table below lists the most affordable average liability insurance rates from SR-22 insurers in California.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| USAA | $74 |
| Aspire General | $78 |
| GEICO | $80 |
| Sun Coast | $81 |
| Mercury | $83 |
| National General | $83 |
| Dairyland | $90 |
| Root | $98 |
| Allstate | $101 |
| Direct Auto | $101 |
| Farmers | $104 |
| Anchor | $107 |
| State Farm | $113 |
| Bristol West | $114 |
| Kemper Special | $117 |
| Travelers | $119 |
| Kemper Rsvp | $128 |
| 21st Century | $129 |
| Nationwide | $159 |
| Chubb | $201 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Find Cheap California Car Insurance
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Cheapest car insurance for teen drivers in California: USAA
California teens can start driving with a learner’s permit at 15 and a half years old, and car insurance rates are higher to account for the age group’s inexperience. California reported about 400 fatalities involving teen drivers in 2023.[9] The average monthly cost of liability coverage for teens in California is $174.
Here’s a look at the cheapest insurers for teenagers in California.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| USAA | $120 |
| Aspire General | $125 |
| GEICO | $128 |
| Sun Coast | $131 |
| Root | $131 |
| Mercury | $133 |
| Dairyland | $139 |
| National General | $146 |
| Direct Auto | $173 |
| Allstate | $176 |
| Bristol West | $179 |
| Anchor | $181 |
| Farmers | $184 |
| Kemper Special | $187 |
| State Farm | $194 |
| 21st Century | $204 |
| Kemper Rsvp | $205 |
| Travelers | $218 |
| Nationwide | $274 |
| Chubb | $365 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Cheap car insurance quotes in California for senior drivers: USAA
Senior drivers make up a significant part of California’s drivers. More than 15% of Californians are 65 or older, and 16% of the state’s car-related fatalities between 2019 and 2022 involved senior drivers.[10]
The following insurers offer the cheapest monthly liability-only premiums for senior drivers in California.
The below rates in California are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
| Insurance Company |
Average Monthly Quote |
|---|---|
| USAA | $54 |
| GEICO | $58 |
| National General | $59 |
| Mercury | $60 |
| Aspire General | $63 |
| Sun Coast | $65 |
| Dairyland | $70 |
| Allstate | $74 |
| Direct Auto | $75 |
| Farmers | $75 |
| Anchor | $80 |
| State Farm | $81 |
| Root | $82 |
| Travelers | $86 |
| Bristol West | $87 |
| 21st Century | $92 |
| Kemper Special | $94 |
| Kemper Rsvp | $103 |
| Nationwide | $111 |
| Chubb | $138 |
Disclaimer: Table data sourced from real-time California car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in California may vary based on the policy buyer’s unique driver profile.
Shop for California Car Insurance
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California car insurance FAQs
Full-coverage car insurance in California costs more than the national average, but you can still find affordable options. The following information can help you jump-start your search for cheap coverage.
- How much does car insurance cost in California?In California, the average monthly cost for liability-only car insurance is $96, while full coverage averages $199. You may have higher or lower rates based on your age and driving history.
- What company has the cheapest car insurance in California?USAA offers the lowest average car insurance rates in California, at $65 per month.
- How can you lower your car insurance in California?To lower your car insurance rate in California, you should compare quotes from different companies and look for the best deal. Ask your California insurer about discounts you may qualify for, and consider increasing your deductible to lower your premium.
- What are the minimum car insurance requirements in California?You need car insurance that covers at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 for property damage liability in California.
- Does your credit score affect car insurance in California?In California, car insurance companies can’t use your credit history to set your rates. California is one of the few states with this rule.
Sources
- California Department of Motor Vehicles. “Insurance Requirements.”
- California Department of Forestry & Fire Protection. “Fire Hazard Severity Zones.”
- U.S. Department of Transportation Federal Highway Administration. “Top 25 Most Traveled Locations by Annual Average Daily Traffic.”
- California State Library California Research Bureau. “2025 California Statewide National Security Economic Impacts Study.”
- California Department of Insurance. “New Year Means New Changes for Insurance, Make Sure You are Protected.”
- California Office of Traffic Safety. “2025–2027 Strategic Plan.”
- California Department of Motor Vehicles. “32nd Annual Report of the California DUI Management Information System.”
- State of California Department of Motor Vehicles. “Financial Responsibility (Insurance).”
- California Office of Traffic Safety. “California Traffic Safety Quick Stats.”
- UC Berkeley Safe Transportation Research and Education Center. “2025 SafeTREC Traffic Safety Facts: Older Adult Road Users.”
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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