Compare car insurance quotes in California
Jerry is a free app trusted by 357,813 California drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
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 $382 a month for full coverage. But in California, Jerry drivers pay:
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$73 to $137 per month for state-mandated minimum coverage.
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$208 to $408 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 $884 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
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 up to 40% 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 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.
While this makes you legal to drive, it won’t 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, it’s also a good choice to buy uninsured/underinsured motorist (UIM) protection.
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Coverage definitions
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 | |
| $245 | |
| $205 | |
| $210 | |
| $251 | |
| $206 | |
| $276 | |
| $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.
FAQ
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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?
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.