Insurance in California

In 2023, the average California driver spent $1,225 per insured vehicle on liability, collision and comprehensive coverage (NAIC Auto Insurance Database Report, 2023 data). Your actual rate depends on your age, driving record, vehicle, location within California, and coverage levels.

Compare quotes from multiple carriers using Truvo — it's free and takes 2 minutes. Bundling car and home insurance often saves up to 25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.

Key factors include your ZIP code within California, driving record, age, credit score, vehicle and home details, coverage level, and claims history. California has low auto minimums but high average rates. Home insurance is heavily impacted by wildfire risk — many carriers have restricted coverage in fire-prone areas.