Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 13, 2022

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The Lowdown

  • The average cost of California auto insurance is $88 a month
  • Young drivers pay more for auto insurance in California
  • USAA is the best auto insurance company for military veterans

Did you know you can get cheap California car insurance without disclosing your credit or gender? You can get cheap auto insurance in California based on multiple factors.

But which factors provide affordable California car insurance? And how much is car insurance in California per month Don’t worry. We’ll answer your questions in this article.

This guide explores the average California auto insurance rates, which companies have the most affordable rates in California, and what factors provide cheap auto insurance quotes in California.

Continue reading to learn more about cheap auto insurance in California. Enter your ZIP code in the free online quote tool above to compare multiple insurance companies in your area.

Where can you get cheap auto insurance rates in California?

The average cost of car insurance in California is $88 per month, but you can get cheap car insurance in California if you choose the right company.

Let’s review estimated rates from cheap auto insurance companies in California based on liability-only coverage.

Monthly Liability Auto Insurance Rates in California by Company
CompaniesMonthly Auto Insurance Rates
GEICO$33
AAA NorCal$38
Progressive$40
Mercury$46
State Farm$52
AAA SoCal$52
Allstate$63
Farmers$80
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GEICO provides the most affordable liability insurance in California, followed by AAA and Progressive. By contrast, Allstate and Farmers have the most expensive liability coverage rates.

How much are full coverage auto insurance rates in California?

Although liability-only insurance is cheaper, it doesn’t provide extensive coverage like full coverage car insurance. More coverage also means more costly rates.

Let’s see which auto insurance companies are the cheapest in California.

Monthly Full Coverage Auto Insurance Rates in California by Company
CompaniesMonthly Auto Insurance Rates
Mercury$144
GEICO$146
Progressive$154
AAA NorCal$179
State Farm$192
Farmers$201
Allstate$203
AAA SoCal$213
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Mercury car insurance is the most affordable company in California. GEICO is the second cheapest company in California. Allstate and AAA are the most expensive auto insurance companies in California.

What are the minimum auto insurance requirements in California?

California’s auto insurance requirement is straightforward, and they’re lower than those of most states in America. Here are California’s requirements.

  • $15,000 for bodily injury of one person per accident
  • $30,000 for bodily injury of multiple people per accident
  • $5,000 for property damage per accident

Auto insurance companies in California may recommend that you raise your coverage limits to prevent a situation where you’re underinsured.

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Does age impact cheap auto insurance quotes in California?

Yes, it does. Age is a determining factor that helps companies estimate the driving experience and the risk of the driver. Younger drivers tend to take more risks than older drivers.

The age range with the highest car insurance claims includes drivers between 16 and 24.

But what is the average rate for drivers in California? Let’s examine the latest estimates.

  • 20-year-old drivers – $165/month
  • 30-year-old drivers – $114/month
  • 40-year-old drivers – $107/month
  • 50-year-old drivers – $106/month
  • 60-year-old drivers – $108/month

Teen drivers pay at least three times more for auto insurance. Meanwhile, senior drivers pay significantly less.

The cheapest companies by age are State Farm, Wawanesa, Esurance, GEICO, and National General.

Can I buy cheap auto insurance in California with a driving violation?

California car insurance companies provide affordable rates, but a traffic infraction can make insurance rates more expensive.

Here are a few examples of how traffic violations impact affordable auto insurance in California.

Monthly Auto Insurance Rates in California by Traffic Violation
Traffic ViolationsMonthly Auto Insurance Rates
Not-at-Fault Accident$156
Driving with Expired Registration$161
Failure to Show Documents$161
Failure to Wear a Seat Belt$167
Driving Without Lights$167
Failure to Use Child Safety Restraint$176
Speeding$219
Passing a School Bus$221
Improper Passing$221
Following Too Closely$221
Failure to Stop at a Red Light$221
Illegal Turn$221
Failure to Yield$221
Speeding in a School Zone$222
Driving Too Slowly$222
Distracted Driving$223
Driving with an Open Container$229
Driving Wrong Way/Wrong Lane$252
At-Fault Accident$273
Operating a Vehicle Without Permission$289
Driving with a Suspended License$401
Refused Breathalyzer/Chemical Test$411
DUI$411
Racing$411
Hit and Run$420
Reckless Driving$420
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Not-at-fault accidents generate the cheapest increase for California drivers. However, hit-and-run incidents, DUI convictions, and reckless driving can drive up your rates by hundreds of dollars per year.

Which factors aren’t included in cheap auto insurance rates in California?

California is one of many states that have outlawed credit and gender-based car insurance rates. But an insurance company may look at your insurance history to determine your risk level.

Which city has the cheapest auto insurance rates in California?

California cities with affordable rates have fewer risks of car insurance claims. But these cities are still more expensive than average.

Let’s examine how much you could pay in cities with the cheapest auto insurance rates.

Monthly Auto Insurance Rates for the Cheapest California Cities
CitiesAverage Monthly Rates
Mount Shasta$132
Weed$139
Etna$139
Dunsmuir$141
Yreka$141
Montague$141
San Ardo$142
Rough and Ready$142
Red Bluff$142
Greenview$143
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You could pay up to $65 more than the national average, even in California’s most affordable cities. Mount Shasta is the cheapest city in California for car insurance.

Which California cities have the most expensive auto insurance rates?

The most expensive cities in California have car insurance rates that are nearly four times the average cost of insurance.

But which cities are massively expensive? Let’s review the results below.

Monthly Auto Insurance Rates for the Most Expensive California Cities
CitiesAverage Monthly Rates
Reseda$259
Panorama City$264
Glendale$265
Encino$267
Valley Village$268
North Hollywood$269
Van Nuys$272
West Hollywood$279
Tarzana$279
Beverly Hills$290
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Beverly Hills is known for its luxury real estate, but it’s also known for its high risk for auto insurance. Therefore, car insurance rates in Beverly Hills, North Hollywood, and other cities in the table are more expensive.

What is the cheapest auto insurance company for military veterans in California?

USAA is the best company for military veterans and their immediate families. USAA car insurance is also known for its low prices and discounts.

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How do I enroll in California’s low-cost auto insurance program?

If you can’t afford car insurance from an insurance company in California, you can enroll in the state-sponsored insurance program.

California’s low-income auto insurance option allows drivers to get coverage through the state. However, low-cost car insurance in California has limits.

This means you won’t have the same coverage as voluntary car insurance.

Cheap Auto Insurance in California: The Bottom Line

California car insurance is cheaper than most states in America. You can get cheap insurance if you maintain a clean driving record.

Gender and credit history won’t impact your auto insurance rates. But where you live affects your rates.

Now that you know which cities have cheap auto insurance in California, use our free comparison tool below to compare multiple insurance companies in your area.

Frequently Asked Questions: Cheap Auto Insurance in California

Do you want to learn about affordable car insurance in California? Check out these answers to frequently asked questions to learn more details.

#1 – What’s the average cost of auto insurance in California?

On average, California car insurance is $88 a month.

#2 – Is GEICO the cheapest auto insurance company in California?

No, it isn’t. Mercury and AAA provide competitive prices that are close to GEICO’s monthly rates.

#3 – Will my auto insurance be cheaper if I drive less?

Yes, it will. Driving fewer miles during your policy reduces the risk of filing a claim.