Average Auto Insurance Cost Per Month California

Average Auto Insurance Cost Per Month in California

What is the Average Auto Insurance Cost in California?

The average auto insurance cost for California drivers is $1,600 per year, or about $133 per month. This is a bit higher than the national average of $1,470 per year, or $123 per month. However, California drivers should be aware that auto insurance premiums can vary significantly from one carrier to another. Therefore, it is important to shop around and compare rates in order to find the best deal possible.

The amount of coverage, the type of car you drive, and your driving record are just some of the factors that can affect your auto insurance rates. Therefore, it is important to understand what affects your auto insurance rates so you can get the best deal possible.

Factors that Affect Auto Insurance Costs in California

The amount of coverage you choose as well as the type of car you drive are two of the most important factors that will affect your auto insurance rates in California. If you choose to purchase more coverage, your rates will be higher. On the other hand, if you choose to purchase less coverage, your rates will be lower.

The type of car you drive will also affect your auto insurance rates in California. If you drive a car that is considered to be more “dangerous” (such as a sports car), your rates will be higher than if you drive a car that is considered to be safer (such as a minivan).

Your driving record is also an important factor that will affect your auto insurance rates in California. If you have a good driving record, you will be eligible for lower rates. However, if you have a bad driving record, your rates will be higher.

Average Auto Insurance Cost by City in California

Auto insurance rates in California can vary significantly from one city to another. For example, the average auto insurance cost in San Francisco is $1,913 per year, or about $159 per month. This is significantly higher than the average cost of auto insurance in Los Angeles, which is $1,500 per year, or $125 per month.

It is important to keep in mind that auto insurance rates can vary from one city to another even within the same state. Therefore, it is important to shop around and compare rates in order to find the best deal possible.

How to Get the Best Auto Insurance Rates in California

The best way to get the best auto insurance rates in California is to shop around and compare rates from different insurance carriers. You should also look for discounts that may be available to you. Many insurance carriers offer discounts for certain things such as good driving records, having multiple cars on the same policy, or being a student.

You should also consider raising your deductible. This can help to reduce your auto insurance rates in California. However, you should make sure that you are able to afford the deductible if you do have an accident.

Conclusion

The average auto insurance cost for California drivers is $1,600 per year, or about $133 per month. This is a bit higher than the national average of $1,470 per year, or $123 per month. However, auto insurance rates in California can vary significantly from one carrier to another and from one city to another. Therefore, it is important to shop around and compare rates in order to find the best deal possible. Additionally, you should look for discounts that may be available to you, and consider raising your deductible to help reduce your auto insurance rates.