Average Full Coverage Car Insurance Cost California
Thursday, May 29, 2025
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Average Full Coverage Car Insurance Cost in California
The Cost of Full Coverage Car Insurance in California
When it comes to car insurance, California residents have some of the highest rates in the country. According to the Insurance Information Institute, the average annual premium for full coverage car insurance in California was $1,813 in 2017 — this is higher than the national average of $1,429. In addition, California’s minimum coverage requirements are some of the most stringent in the nation.
The cost of full coverage car insurance in California varies by individual. Factors such as age, driving record, type of vehicle, and the insurance company that you choose all play a role in determining your premium. Let’s take a closer look at the factors that go into calculating your car insurance rate in California.
Factors That Affect Full Coverage Car Insurance Cost in California
The cost of full coverage car insurance in California depends on a variety of factors, including:
Age:
Age is one of the biggest factors that affect the cost of car insurance in California. Drivers under the age of 25 are typically charged higher rates due to their lack of driving experience.
Driving Record:
In addition to age, your driving record is another factor that insurance companies consider when calculating your premium. Drivers with a clean record are typically charged lower rates, while those with a history of traffic violations and accidents are often charged higher rates.
Type of Vehicle:
The type of vehicle you drive is also taken into account when calculating your premium. Insurance companies typically charge higher rates for cars that are more expensive to repair or replace.
Insurance Company:
The insurance company that you choose is another factor that affects the cost of car insurance in California. Different companies offer different rates, so it’s important to shop around and compare quotes to find the best rate.
Discounts on Full Coverage Car Insurance in California
There are several discounts available to California drivers that can help reduce their car insurance premiums. Some of the most common discounts include:
Good Driver Discounts:
Insurance companies often offer discounts to drivers with a clean driving record. These discounts can range from 5% to 25% off of your premium.
Safe Driver Discounts:
Some insurance companies also offer discounts to drivers who take defensive driving courses or have a car equipped with safety features such as anti-lock brakes or airbags.
Multi-Policy Discounts:
Insurance companies often offer discounts to customers who bundle multiple policies, such as home and auto insurance.
Low Mileage Discounts:
If you drive fewer than a certain number of miles per year, you may qualify for a low mileage discount.
How to Save on Full Coverage Car Insurance in California
The cost of full coverage car insurance in California can be expensive, but there are several steps you can take to save money. Here are a few tips:
Shop Around:
It’s important to shop around and compare quotes from multiple insurance companies to find the best rate.
Raise Your Deductible:
Raising your deductible is a good way to save money on car insurance.
Take Advantage of Discounts:
As we discussed above, there are several discounts available to California drivers. Be sure to take advantage of them to get the best rate.
Maintain a Good Credit Score:
Your credit score is another factor that insurance companies consider when determining your rate. Maintaining a good credit score can help you get the best rate.
The Bottom Line
The cost of full coverage car insurance in California can be expensive, but there are several steps you can take to save money. Shopping around, taking advantage of discounts, raising your deductible, and maintaining a good credit score are all good ways to get the best rate.
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