A year’s worth of full coverage auto insurance in California costs $2,065 per person. The average cost of state-mandated minimum coverage is $733 per year annually. Keep in mind that while the average auto insurance rates in California may be useful in determining whether you are overpaying for coverage, individual rating factors such as the type of car you drive, your driving record, and claims history. The number of miles you drive per year will all influence your premium. The location of your home in the state, as well as the types of coverage and limitations you select, will all have an impact on your premium.
The cost of car insurance in California varies from city to city. Drivers in densely populated areas are more likely to be involved in accidents. The presence of additional vehicles on the road may increase the likelihood of an accident. Other factors, such as the costs of car repairs, replacement parts, and medical bills, might also impact how much drivers in a certain city spend on insurance protection.
When looking for the best insurance rates in Ca, you may want to consider your insurance premium with your other expenses in order to get a clear image of your overall living expenses. The graph below depicts the average annual cost of living in California, as well as the average cost of vehicle insurance for residents of the state. As a guide, use this graph to help you establish your total spending so that you may assess which insurance prices are within your financial reach.