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California Car Insurance

The average California driver pays $2,160/year for full coverage and $660/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.

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At a glance

Avg. full coverage
$2,160 / year
Avg. minimum coverage
$660 / year
State minimum
15/30/5
No-fault state?
No
PIP required?
No
UM/UIM required?
No

California Minimum Coverage Requirements

The minimum auto insurance coverage required to legally drive in California is:

15/30/5

$15K bodily injury per person, $30K per accident, $5K property damage

These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.

Top Car Insurance Carriers in California

By market share, these carriers write the most policies in California:

  1. 1State Farm
  2. 2GEICO
  3. 3Progressive
  4. 4Mercury
  5. 5Wawanesa

Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.

What's different about California

Credit score CANNOT be used for rating (Prop 103). Mercury and Wawanesa are CA-specific competitors worth quoting.

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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.