Question

How much is car insurance in California?

The average car insurance in California for full coverage is $186, and $60 for liability coverage per month.

Car insurance in California depends on your city, driving record, insurer, claim history, car make & model, etc. Hence, the insurance rate for both liability-only and comprehensive coverage varies for individuals.

Minimum insurance requirements in California

California has mandatory minimum insurance requirements to own and drive a car in the state. The minimum coverage for:

Injury or death of one person: $30,000
Injury or death to multiple persons: $60,000
Property damage: $15,000

How to lower car insurance in California?

California has a low-cost automobile insurance program. It helps drivers with a good record to secure the state minimum liability insurance at affordable rates. Eligibility requirements to qualify for the program are:

Valid California driver’s license
Vehicle value below $25,000
Income eligibility as per the respective household size.
Minimum age of 16 years
Few or no serious violations

The discount program is available for liability insurance only.

Other steps to lower the car insurance rates.

Keep a clean driving record.
Choose a usage-based or mileage-based plan if your annual mileage is lower than average.
Find low insurance rates by comparing quotes from multiple insurers.
Ensure no lapse in your car insurance.
Look for affordable rates every 6 – 12 months.