Compare car insurance quotes in California
Jerry is a free app trusted by 362,153 California drivers that compares insurance quotes from top carriers.
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Buy, bundle and switch right in the app.
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Average California car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in California, Jerry drivers pay:
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$72 to $135 per month for state-mandated minimum coverage.
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$207 to $417 per month for full coverage.
Checking rates from multiple carriers is often the best way to find good deals. Over the last 12 months, Jerry has helped Californians save an average of $882 per year on coverage by comparing quotes across insurers.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your California car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or bug your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in California have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
In California, home insurance can get complicated fast, especially if you’re in a wildfire-prone area or your carrier has tightened underwriting in your region. Bundling your car and home insurance is still one of the cleaner ways to reduce the total cost, and on average, Jerry homeowners save up to 40% by combining coverages.
Jerry’s advantage is flexibility. Instead of forcing a one-carrier bundle, we price your home and auto separately and pair the best fits, even if they come from different insurers. That matters in California because the best home option for wildfire exposure and rebuild costs isn’t always the same company that gives you the best auto rate. Jerry makes sure you don’t overpay on one policy just to unlock bundle discounts.
Jerry pulls up to 20 quotes from top rated carriers.
What California drivers are paying with Jerry
Comparing a few insurers is usually the fastest way to land the right policy, whether you’re starting fresh, keeping your coverage close to what you have or looking for the cheapest car insurance in California.
That matters in California, where rates can shift a lot based on day-to-day driving conditions and even your ZIP code. Stop-and-go traffic in LA, dense city parking, long commutes, higher repair costs, theft risk in some areas and wildfire related exposure in others all shape what insurers expect. We pull quotes for California drivers every day, so you can compare carriers with a clearer read on what the market is doing where you live.
Jerry helps you find quotes from up to 11 trusted insurers in the Golden State, so you can see what’s out there and what you should be paying.Below are some of the latest quotes Jerry has pulled for California drivers at different coverage levels, plus how much each driver saved.
Recent quotes in California
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
California car insurance coverage requirements
California drivers are required to buy personal property and bodily injury liability insurance coverage to legally drive their car. The minimum coverage requirements in this state are:
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$30,000 per person for bodily injury liability.
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$60,000 for bodily injury per accident for multiple persons injured.
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$15,000 for property damage liability per accident.
California drivers can also self-insure or forgo an auto policy in exchange for a $75,000 deposit with the DMV or a surety bond.
While holding these coverage requirements means you’re legal to drive, they aren’t enough to protect you against major accidents or damage to your own car. For better protection, many Jerry drivers both increase their liability coverage limits and buy comprehensive and collision coverage. Considering over 21% of California drivers are uninsured, we also recommend buying uninsured/underinsured motorist (UM/UIM) protection.
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Coverage definitions
Factors affecting California car insurance rates in 2026
Wildfire, wind, floods, and mudslides
California’s wildfire seasons, windstorms, flash floods, and mudslides drive up total losses, especially in high-risk regions and burn-scar areas. Keep comprehensive coverage for protection from most non-collision weather damage.
Traffic density and stop-and-go crashes
In LA, the Bay Area and San Diego, stop-and-go traffic increases the odds of fender benders and chain-reaction crashes. Be sure to carry collision coverage so repairs to your car don’t hinge on a drawn-out fault decision.
Uninsured drivers
Over 20% of California drivers are uninsured. For protection, add UM/UIM coverage and set the limits high enough to actually protect you. That way, you’re not stuck paying out of pocket if an uninsured driver hits you.
Pure comparative negligence rules
California uses pure comparative negligence, which means fault can be split and your payout can shrink based on your share of responsibility. Collision coverage is the best way to get your car repaired quickly, without waiting for a long liability decision.
High repair costs and expensive parts
California repair bills add up fast, even for minor damage, because labor is expensive and modern vehicles need pricey parts and recalibration. Choose a deductible you can pay comfortably, so you don’t avoid filing a claim when a repair estimate spikes.
Theft and break-ins
Theft and break-ins are a real factor across many California cities, and organized rings target certain models and parts. Keeping comprehensive coverage covers you from theft. Also work to make your car a harder target: keep valuables out of sight, lock up and park in well-lit, higher-traffic areas when you can.
Average cost of car insurance in major California cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $398 | |
| $246 | |
| $205 | |
| $210 | |
| $251 | |
| $206 | |
| $276 | |
| $320 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get California quotes in as little as 2 minutes.
Learn more about driving in California
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Everything you need to know about California towing laws.
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A guide to California teen driving laws for parents and new drivers.
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How to get a temporary license plate in California.
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What you need to know about the California car insurance grace period.
FAQ
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Is California an at-fault state?
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What happens if I drive without insurance in California?
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Does California allow electronic proof of insurance?
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Can I buy combined single limit coverage in California?
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Does California require uninsured/underinsured motorist coverage?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.