Cheapest Car Insurance in California for July 2025

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Cheapest Car Insurance in California for July 2025

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Key Takeaways
  • California is one of the most expensive states to get car insurance.
  • State minimums rose in 2025 to $30,000/$60,000/$15,000.
  • California does not allow credit history to be used in insurance quotes.

California continues to be a high priced state in the U.S. for car insurance. Factors like traffic congestion, urban density and natural disasters all contribute to costly premiums. 

In addition, California’s high cost of living drives up prices for car repairs, legal representation and medical expenses, leading to insurers facing higher payouts for car accident claims.

Drivers in the Golden State pay $115 monthly for minimum coverage, a Jerry analysis revealed. On average, the cost of full coverage insurance is $320 monthly.

To find the best car insurance in California, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in California.

What are California’s minimum requirements for car insurance?

California drivers used to be required to only carry liability coverage of $15,000/$30,000/$5,000. But effective Jan. 1, 2025, state law is mandating that drivers have higher limits of $30,000/$60,000/$15,000.

The new required minimums are:

  • $30,000 per person for bodily injury liability.
  • $60,000 for bodily injury per accident for multiple persons injured.
  • $5,000 for property damage liability per accident.

Cheapest minimum coverage insurance in California

Check out the quotes for state minimum coverage in California, starting from the cheapest.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
First Acceptance $64 $764
Bluefire $80 $963
Mercury $89 $1,071
Aspire Advantage $92 $1,102
National General $94 $1,128
Progressive $104 $1,247
Dairyland $106 $1,276
The General $107 $1,280
Anchor General $115 $1,381
Bristol West $125 $1,497
Last Updated Jul 9, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in California

If you need full coverage, here are the cheapest quotes based on Jerry data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $111 $1,328
Aspire Advantage $215 $2,584
Anchor General $253 $3,041
First Acceptance $261 $3,130
Assurance America $267 $3,203
Mercury $270 $3,240
Commonwealth Insurance $273 $3,273
National General $301 $3,615
Bluefire $311 $3,728
Gainsco $315 $3,775
Last Updated Jul 9, 2025

Cheapest car insurance for young drivers in California

Unfortunately, young drivers tend to have to higher average quotes, especially if they’re younger, newer drivers.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $357 $4,283
21-24 $293 $3,516
Last Updated Jul 8, 2025

Cheapest liability-only policy in California for a 20 year old

A 20-year-old Californian can expect to pay between $148 and $595 per month for state minimum insurance, according to our data.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Mercury 20 $111 $1,328
First Acceptance 20 $148 $1,773
Aspire Advantage 20 $151 $1,818
Anchor General 20 $176 $2,113
National General 20 $214 $2,569
Last Updated Jul 9, 2025

Cheapest full coverage policy in California for a 20 year old

Here are the cheapest quotes for a 20-year-old California driver.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 20 $165 $1,978
Mercury 20 $327 $3,919
Aspire Advantage 20 $350 $4,202
Anchor General 20 $384 $4,602
Clearcover 20 $431 $5,169
ROOT 20 $470 $5,637
Progressive 20 $492 $5,899
Commonwealth Insurance 20 $580 $6,963
Dairyland 20 $758 $9,090
National General 20 $772 $9,262
Last Updated Jul 9, 2025

Average car insurance for mature drivers in California (25-54 years old)

Luckily, as Californians get older, insurance generally gets cheaper. Our data shows that there are decreases in quotes as a Californian ages from 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $232 $2,779
35-44 $193 $2,320
45-54 $178 $2,135
Last Updated Jul 9, 2025

Cheapest liability-only policy in California for a 36 year old

The average Jerry customer is 36 years old. Here are the rates for a liability-only policy in California for a 36 year old.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
First Acceptance 36 $72 $868
Mercury 36 $81 $978
Aspire Advantage 36 $83 $996
National General 36 $90 $1,074
Dairyland 36 $120 $1,441
Last Updated Jul 10, 2025

Cheapest full coverage policy in California for a 36 year old

The cheapest rates for a 36-year-old California for full coverage are as follows.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage 36 $189 $2,264
Anchor General 36 $236 $2,837
Mercury 36 $242 $2,901
Commonwealth Insurance 36 $246 $2,955
National General 36 $259 $3,111
Progressive 36 $266 $3,197
Assurance America 36 $300 $3,596
ROOT 36 $342 $4,110
Bristol West 36 $419 $5,033
Trexis 36 $419 $5,034
Last Updated Jul 8, 2025

Average car insurance for older drivers (55+ years old)

Older drivers will still see decreases in their quotes until they enter the 65+ age group where the trend starts to reverse and insurance gets more expensive.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $166 $1,988
65+ $172 $2,063
Last Updated Jul 9, 2025

Cheapest liability-only policy in California for a 65 year old

Check out the rates for a liability-only policy for a 65-year-old Californian.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
First Acceptance 65 $73 $881
Aspire Advantage 65 $77 $925
National General 65 $83 $992
Dairyland 65 $87 $1,048
Progressive 65 $96 $1,157
Last Updated Jul 9, 2025

Cheapest full coverage policy in California for a 65 year old

Drivers in California who are aged 65 years old have received these average quotes from various insurers.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
The General 65 $75 $901
Bluefire 65 $145 $1,744
Aspire Advantage 65 $165 $1,980
Mercury 65 $177 $2,119
Anchor General 65 $203 $2,439
National General 65 $230 $2,758
Progressive 65 $263 $3,156
ROOT 65 $348 $4,171
Bristol West 65 $484 $5,809
Dairyland 65 $493 $5,920
Last Updated Jul 9, 2025

Average car insurance for drivers with clean records in California

If you have no violations or claims, here’s how much our customers get quoted on average, plus the cheapest insurers for a Californian with a clean record.

Avg Monthly Quote
Avg Annual Quote
$205 $2,460
Last Updated Jul 9, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $111 $1,328
First Acceptance $119 $1,428
Infinity $120 $1,437
Aspire Advantage $124 $1,486
Aspen $126 $1,506
National General $161 $1,931
Anchor General $186 $2,232
Trexis $202 $2,426
Mendota $212 $2,539
Progressive $221 $2,649
Last Updated Jul 9, 2025

Average car insurance for drivers with low credit scores in California

California does not allow credit history to be used in insurance quotes.

Cheapest car insurance for drivers with at-fault accidents in California

Getting into an accident will cause your average quote to rise, according to Jerrys data below.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $272 $3,261
At Fault With No Injury $251 $3,007
Not At Fault $235 $2,816
$202 $2,429
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in California

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Commonwealth Insurance At Fault With No Injury $95 $1,144
Aspire Advantage At Fault With No Injury $138 $1,658
First Acceptance At Fault With No Injury $185 $2,222
Anchor General At Fault With No Injury $186 $2,231
Assurance America At Fault With No Injury $205 $2,466
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in California

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
The General At Fault With Injury $102 $1,218
Kemper At Fault With Injury $122 $1,468
Aspire Advantage At Fault With Injury $155 $1,858
Safeco At Fault With Injury $164 $1,972
Bluefire At Fault With Injury $182 $2,179
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with a speeding ticket in California

Getting caught speeding will cause your insurance rates to rise, and Jerry’s data shows that the faster a speed you were caught at, the higher your average quote:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding under 15 $225 $2,698
Speeding over 15 $246 $2,955
Last Updated Jul 9, 2025

Different insurers will quote different prices for Californians with a speeding violation so be sure to shop around.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Commonwealth Insurance $95 $1,144
Kemper $122 $1,468
Aspen $129 $1,543
Aspire Advantage $148 $1,773
Mendota $171 $2,048
Trexis $174 $2,086
Gainsco $183 $2,197
National General $185 $2,225
Anchor General $198 $2,380
Progressive $217 $2,608
Last Updated Jul 9, 2025

Cheapest car insurance for drivers with a DUI in California

Check out the cheapest insurance rate for California drivers with a DUI.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mendota $100 $1,200
Aspire Advantage $133 $1,598
Bluefire $152 $1,823
National General $173 $2,075
Progressive $187 $2,244
Anchor General $198 $2,371
Mercury $239 $2,873
ROOT $324 $3,892
Bristol West $361 $4,328
Dairyland $372 $4,469
Last Updated Jul 9, 2025

Average car insurance for drivers with other violations in California

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $265 $3,182
Eluding Police $152 $1,818
Racing/Drag Racing $310 $3,720
Open Container $225 $2,703
Driving on Sus. License $207 $2,482
Cell Phone $223 $2,676
Seat Belt $156 $1,873
Motorcycle Violation $209 $2,507
Homicide $126 $1,506
Failure to Obey Traffic Sign $214 $2,567
Improper Passing $202 $2,419
Leaving scene of an Accident/Hit and Run $151 $1,818
Suspension $216 $2,593
Vehicle Theft $105 $1,254
Wrong Way/Wrong Lane $195 $2,344
Illegal Turn $226 $2,717
Other $206 $2,470
Defective Equipment $155 $1,862
Reckless Driving $213 $2,562
Last Updated Jul 9, 2025

Minimum liability vs. full coverage in California

When you cause a car accident, minimum liability insurance helps pay for injuries and damage done by your vehicle to other drivers — but it doesn’t pay for your own injuries and accident-related car repairs. This is where full coverage kicks in and provides you with added financial protection, which is crucial in case you’re in a severe accident. 

Full coverage includes the state’s minimum requirements along with:

  • Collision coverage, which pays for damage done to your vehicle in an accident.
  • Comprehensive coverage, which covers non-collision incidents like theft, vandalism and natural disasters.

Considering the hefty costs for accident-related expenses in California, drivers often opt for full coverage insurance. The minimum coverage limits could potentially run out quickly and you’d be on the hook for remaining expenses if you don’t have additional coverage.

Keep in mind that full coverage is typically required when you lease and/or finance a car.

What is Med Pay coverage in California?

Also known as medical payment coverage, drivers can opt for this add-on insurance to their policies. Med Pay helps cover medical bills for you, your passengers and any family members on the policy despite who is found at-fault in a car wreck. It also helps pay for funeral expenses for you or your passenger in case there’s a fatality in a car wreck. Your insurer will help pay for this regardless who is found at fault. 

Med Pay also will kick in if your covered family member is injured while they’re a passenger in another person’s car. And if you or your covered family member are injured by a vehicle while you’re a pedestrian, this coverage can help pay for your medical expenses.

Factors that determine your car insurance premium

Insurers base rates on various factors, which include:

  • ZIP code.
  • Age.
  • Driving and traffic violations record.
  • Claims history.
  • Marital status.
  • Type of vehicle you drive.
  • Policy deductibles.

Tips for lowering your car insurance in California

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Insurers may offer discounts if you bundle your home and auto insurance policies. Also consider that drivers with clean records and a low claim history tend to pay less for premiums than drivers with a history of numerous traffic violations like speeding and running through red lights.

Learning to drive defensively will help you avoid traffic violations and potential collisions, both of which greatly impact the rate of your car insurance premiums.

The big picture is that what you pay for car insurance will vary across different insurers, even when drivers are seeking the same coverage, because insurance companies tend to use different risk assessments when putting together their rates. 

So when you’re hunting for the best cheap rate for your driver profile, you’ll need to compare rates from multiple insurers. It’s a good rule of thumb to compare rates well before your policy lapses to ensure you find the best deal. 

But finding the best cheap rate doesn’t have to be time consuming thanks to Jerry, America’s first and only AllCar™ app. 

After you set up your account, Jerry finds the best deal for you in minutes. And as a licensed broker, Jerry keeps your information secure and private so that you won’t get bombarded with sales calls. 

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.