California Auto Insurance Rates
- The average cost of vehicle insurance in California is $1,713 per year, which is 20% more than the national average.
- On average, drivers in their 60s had the lowest auto insurance premiums in California.
- A DUI will cost you approximately $3,000 in insurance premiums each year.
- California is one of the few places where credit score is not used as a rating component.
2. How Do People Ascertain Auto Insurance Rates In California?
Your auto insurance prices are influenced by factors other than your location. Auto insurance premiums are determined by a variety of criteria, including a driver’s age and driving history. We looked at typical California vehicle insurance prices based on the most popular rating variables. Read on to find out how much vehicle insurance costs in your state, or enter your zip code to get customised quotes from top insurers.
3. Average California Auto Insurance Expenditure by Age Group
CALIFORNIA CAR INSURANCE RATES BY AGE
|Age||Average Yearly Premium|
Auto insurance in California costs $7,175 per year for a 16-year-old driver, compared to $1,450 per year for a motorist between the ages of 50 and 59. It’s worth noting, though, that adding a 16-year-old to a parent’s insurance coverage will be less expensive than buying a teenager their own policy.
If you’re considering insuring a young driver, it’s worth knowing that California is the 34th cheapest state to get auto insurance for a 16-year-old.
3.Average California Auto Insurance Rates by Marriage Status
Aside from the honeymoon, one advantage of getting married is that you may obtain a better bargain on your vehicle insurance coverage. Married drivers in California save $73 per year on auto insurance coverage. This is less than the $76 national savings.
CALIFORNIA CAR INSURANCE RATES BY MARITAL STATUS
|Marital Status||Average Annual Rate|
California is the ninth most costly car insurance coverage for divorced drivers in the country. If you believe you are paying too much for your auto insurance, don’t be hesitant to browse around. You never know what kind of savings you’ll come upon!
5. California Auto Insurance Costs by Credit Score
Credit scores are used by car insurance firms to determine a potential customer’s dependability. According to data trends, drivers with solid credit histories are frequently more trustworthy car insurance customers: they are less likely to make claims covered by vehicle insurance. However, the use of credit score as an insurance rating component is prohibited in California, so you’ll pay the same vehicle insurance premium regardless of your credit history.
CALIFORNIA AUTO INSURANCE RATES BY CREDIT SCORE
|Credit Tier||Average Annual Rate|
|Very Poor (300-579)||$1,649.21|
|Very Good (740-799)||$1,649.21|
6. California’s Median Car Insurance Rates for High-Risk Drivers
If you are judged to be at fault in a car accident or guilty of a driving offense, your auto insurance prices will undoubtedly climb. The more red flags you have, the more expensive your car insurance becomes.
In California, your first minor at-fault accident results in a $862.80 annual penalty on your vehicle insurance premiums. A DUI, considered one of the most serious driving offenses, may raise your insurance premiums in California by up to $2,977.05.
CALIFORNIA AUTO INSURANCE PREMIUMS WITH VIOLATIONS
|Violation||Average Yearly Premium|
|DUI or DWI||$4,689.59|
|At-Fault Accident (<$1,000)||$2,575.34|
|At-Fault Accident ($1,000-$2,000)||$2,676.87|
|At-Fault Accident (>$2,000)||$2,575.34|
|Speeding (21-25 MPH > limit)||$2,324.98|
|Speeding (16-20 MPH > limit)||$2,324.98|
If you have higher-than-average vehicle insurance costs, try insurance shopping to discover low-cost coverage that meets your needs.
7. California’s Median Auto Insurance Prices by Coverage Amount
The amount you pay each month for auto insurance is determined on the level of coverage you select. Liability-only coverage is often less expensive, but comprehensive coverage with a low deductible is more expensive. In California, the difference in rates between the state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $908.
CALIFORNIA AUTO INSURANCE RATES BY COVERAGE LEVEL
|Coverage Level||Average Annual Premium|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability-Only||$802|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,527|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,710|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$718|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,443|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,626|
|State Minimum — Liability Only||$573|
|State Minimum — $1,000 Comprehensive/Collision||$1,297|
|State Minimum — $500 Comprehensive/Collision||$1,481|