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Insurance in California
Compare car and home insurance rates from 40+ carriers in California. Average auto rate: $2,291/year. Minimum auto coverage: 15/30/5.
California has low auto minimums but high average rates. Home insurance is heavily impacted by wildfire risk — many carriers have restricted coverage in fire-prone areas.
Get Your Free California Quote$2,291
Avg. Auto Rate/Year
15/30/5
Auto Minimum Coverage
40+
Carriers Compared
2 min
Quote Time
California Insurance FAQ
What insurance do I need in California?
California requires minimum auto liability coverage of 15/30/5. For homeowners, coverage requirements depend on your mortgage lender, but most require dwelling and liability coverage. We recommend carrying higher limits than the minimum for better protection.
How much does car insurance cost in California?
The average cost of car insurance in California is $2,291 per year for full coverage. Your actual rate depends on your age, driving record, vehicle, location within California, and coverage levels.
How can I find affordable insurance in California?
Compare quotes from multiple carriers using Truvo — it's free and takes 2-3 minutes. Bundling car and home insurance often saves 10-25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.
What factors affect insurance rates in California?
Key factors include your ZIP code within California, driving record, age, credit score, vehicle and home details, coverage level, and claims history. California has low auto minimums but high average rates. Home insurance is heavily impacted by wildfire risk — many carriers have restricted coverage in fire-prone areas.
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