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Auto insurance rates, minimum coverage requirements, and driver statistics for California (CA).
Avg Annual Premium
$2,070
$344 above national avg
Cost Rank
#8
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
15.2%
of drivers
Min Liability
$680/yr
Legal minimum
Average Premium
$2,070/yr
State average
Full Coverage
$2,070/yr
Comprehensive + Collision
California requires:
15/30 / 5 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $5,589 | $6,314 | $4,864 |
| 20-25 | $3,726 | $4,140 | $3,312 |
| 26-35 | $2,277 | $2,380 | $2,174 |
| 36-45 | $2,070 | $2,111 | $2,029 |
| 46-55 | $1,966 | $2,008 | $1,925 |
| 56-65 | $1,904 | $1,946 | $1,863 |
| 65+ | $2,174 | $2,236 | $2,111 |
Rates shown are annual averages for each age group in California. Individual rates vary based on driving record, credit, and vehicle.
| Metric | California | National Avg |
|---|---|---|
| Average Annual Premium | $2,070 | $1,726 |
| Uninsured Rate | 15.2% | 11.1% |
| Registered Vehicles | 32,421,159 | 5,330,804 |
| Accidents per Year | 486,317 | 79,962 |
Population
39,538,000
Registered Vehicles
32,421,159
Accidents per Year
486,317
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.