Cheap Car Insurance in California
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California Car Insurance Minimums
California requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$30,000
Bodily Injury (per accident)
$60,000
Property Damage
$15,000
At-fault (tort) state.
Source: Cal. Veh. Code § 16056 (liability limits 30/60/15); Cal. Ins. Code § 11580.2 (UM/UIM offer and waiver), verified 2026-09-01.
What drives car insurance rates in California
Average spend per insured vehicle, 2023
$1,225
California drivers spent $1,225 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
84¢
Auto insurers in California paid 84 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.19
California recorded 3,876 traffic deaths in 2024, 1.19 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
316.7
California reported 124,629 motor vehicle thefts in 2025, 316.7 per 100,000 residents, from 427.5 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#1
FEMA ranks California #1 of 51 for expected annual loss from natural hazards; earthquake accounts for 49% of that loss, and comprehensive coverage is what pays for earthquake damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in California
The ten insurer groups that wrote the most auto premium in California in 2025, with their share of the state total of $48.4 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 13.83% | $6.7 billion |
| 2 | Auto Club Enterprises Insurance Group | 11.75% | $5.7 billion |
| 3 | Berkshire Hathaway Group | 10.87% | $5.3 billion |
| 4 | Allstate Insurance Group | 9.22% | $4.5 billion |
| 5 | Csaa Insurance Group | 8.14% | $3.9 billion |
| 6 | Progressive Group | 7.58% | $3.7 billion |
| 7 | Farmers Insurance Group | 7.51% | $3.6 billion |
| 8 | Mercury General Group | 6.32% | $3.1 billion |
| 9 | United Services Automobile Association Group | 5.14% | $2.5 billion |
| 10 | Kemper Corp Group | 4.3% | $2.1 billion |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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