Compare car insurance quotes in California
Jerry uses real data from 268,105 California drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average California car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in California, Jerry drivers pay:
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$74 to $138 per month for state-mandated minimum coverage, and
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$207 to $414 per month for full coverage.
A little comparison shopping goes a long way. Over the last year, Jerry has helped Californians save an average of $0 on coverage by lining up options and choosing the best fit.
Jerry helps you compare rates and adjust your coverage for California car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your information or call your phone.
Your exact price will still depend on personal factors like your driving record, your vehicle and where in California you live. 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
One of the best ways to save on home insurance in California is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What California drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage, whether that means building a unique policy, matching your current coverage or just choosing the cheapest car insurance in California that you can find.
Jerry helps you find quotes from up to 11 trusted insurers in the Golden State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for California drivers looking for different levels of coverage, and how much each one 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:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
While this makes you “legal,” though, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering over 21% of California drivers are uninsured, it might also be a good choice to buy uninsured/underinsured motorist (UIM) protection.
Factors affecting California car insurance rates in 2026
Wildfire, wind, floods, and mudslides
Wildfires, windstorms, flash floods, and mudslides can all drive up claim volume and total losses, especially in higher-risk regions and burn-scar areas. Comprehensive coverage is typically what applies to many non-collision weather events.
Traffic density and stop-and-go crashes
In Los Angeles, the Bay Area, and San Diego, congestion isn’t just annoying, it increases the odds of fender benders and multi-car pileups. Collision coverage helps pay for repairs after an accident, and safer driving habits can reduce claim frequency over time.
Uninsured drivers
Over 20% of California drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by someone who can’t cover the damage or injuries they cause.
Pure comparative negligence rules
California uses a pure comparative negligence system, which means fault can be split and you can still recover damages even if you’re mostly at fault. Collision coverage remains the most reliable way to get your own vehicle repaired without waiting on a long liability decision.
High repair costs and expensive parts
Even “minor” damage can get costly fast when labor rates are high and parts or calibration work (sensors, cameras, ADAS) are involved. Keeping deductibles at a level you can comfortably pay makes your coverage more usable when repair bills spike.
Theft and break-ins
Vehicle theft and break-ins are a meaningful risk in many areas, and theft rings can target specific models and parts. Comprehensive coverage typically covers theft, and small habits like keeping valuables out of sight and parking in well-lit areas can reduce your odds of a claim.
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 | |
| $250 | |
| $210 | |
| $207 | |
| $277 | |
| $319 |
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.
FAQs
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Is California an at-fault insurance 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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Does Tennessee require uninsured/underinsured motorist (UIM) coverage?
