Fast, Free Auto Insurance Quotes

Drivers in the Golden State can see some pricey car insurance rates. There are nearly 26 million drivers on the roads and there is plenty to see and drive to in this beautiful state. We analyzed data provided by EverQuote users to help drivers find the cheapest auto insurance in California. Our analysis shows that the cost of car insurance in CA can vary greatly depending on who your carrier is and depending on where you live. To ensure that you get the cheapest rate possible, we advise shopping around and comparing auto insurance quotes from several companies. Enter your ZIP code above to start your search, or learn more by reading through the rest of our study.

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Cheapest Auto Insurance in California

We looked at the average monthly payments reported by EverQuote users in California. To ensure a logical comparison, we examined the profile of a single male driver with a clean driving record insuring one full-size or mid-size vehicle. This table shows the monthly auto insurance payments for the ten cheapest car insurance carriers ranked from cheapest to the most expensive.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 The General $1,080 $90
2 21st Century Insurance $1,092 $91
3 GEICO $1,224 $102
4 Infinity Insurance $1,260 $105
5 Allied $1,272 $106
6 Esurance $1,284 $107
State Average $1,296 $108

Fast, Free Auto Insurance Quotes

Based on the table above, you can see that The General and 21st Century Insurance offer up the cheapest average monthly cost for car insurance. GEICO, Infinity Insurance, Allied and Esurance are also very competitive.

Cheapest Car Insurance in California by City}

In addition to carrier differences, we also looked at reported rates in various CA cities to determine cost differences there. For the same driver profile of a single male with a clean driving record insuring a full-size or mid-size car, we found surprising results. Drivers in Los Angeles may see higher auto insurance rates than those in San Francisco. The average monthly payment across California can range over $50 a month depending on the driver’s location. Take a look at the chart below:

Rank CA City Average Yearly Cost Average Monthly Payment
1 Santa Barbara $1,098 $92
2 Oceanside $1,116 $93
3 Ontario $1,140 $95
4 Costa Mesa $1,164 $97
5 Hemet $1,170 $98
6 Lancaster $1,188 $99
7 Fremont $1,191 $99
8 Canyon Country $1,194 $100
9 Bakersfield $1,200 $100
10 Elk Grove $1,200 $100
11 Victorville $1,200 $100
12 Fresno $1,200 $100
13 San Mateo $1,212 $101
14 Torrance $1,212 $101
15 Huntington Beach $1,218 $102
16 Fullerton $1,224 $102
17 Compton $1,236 $103
18 Oxnard $1,236 $103
19 Pasadena $1,248 $104
20 Santa Rosa $1,248 $104
21 El Cajon $1,248 $104
22 Antioch $1,248 $104
23 Orange $1,260 $105
24 Sacramento $1,260 $105
25 Irvine $1,260 $105
26 Vallejo $1,260 $105
27 Vista $1,272 $106
28 San Diego $1,272 $106
29 San Jose $1,272 $106
30 Corona $1,272 $106
31 Anaheim $1,278 $107
32 Hayward $1,284 $107
33 Riverside $1,290 $108
34 Hawthorne $1,290 $108
35 Santa Clara $1,296 $108
36 Fontana $1,296 $108
37 Sunnyvale $1,296 $108
State Average $1,296 $108
38 Escondido $1,308 $109
39 Westminster $1,320 $110
40 West Covina $1,320 $110
41 Ventura $1,320 $110
42 Stockton $1,326 $111
43 Northridge $1,332 $111
44 Long Beach $1,332 $111
45 Rancho Cucamonga $1,332 $111
46 Palmdale $1,338 $112
47 Chula Vista $1,344 $112
48 Roseville $1,344 $112
49 Santa Monica $1,356 $113
50 Santa Ana $1,356 $113
51 Pomona $1,380 $115
52 Whittier $1,380 $115
53 Oakland $1,380 $115
54 Garden Grove $1,392 $116
55 Simi Valley $1,428 $119
56 Fairfield $1,440 $120
57 San Francisco $1,440 $120
58 Burbank $1,440 $120
59 San Bernardino $1,440 $120
60 Daly City $1,440 $120
61 Richmond $1,452 $121
62 Citrus Heights $1,452 $121
63 Modesto $1,452 $121
64 Canoga Park $1,458 $122
65 Inglewood $1,464 $122
66 Los Angeles $1,464 $122
67 Moreno Valley $1,476 $123
68 San Pedro $1,488 $124
69 North Hollywood $1,590 $133
70 Glendale $1,656 $138
71 Reseda $1,656 $138
72 Van Nuys $1,740 $145

Methodology For This Study

For our analysis, EverQuote collected self-reported monthly premiums from over two million users looking to save money on car insurance. We produced the analysis you see here with that data, along with users’ current auto insurance companies and ZIP codes at the time of the survey. Like all drivers, EverQuote users differ in many ways that can affect the price of auto insurance. Age, gender, location, number of vehicles and number of drivers in a household can all have a role in determining the final premium cost. In order to ensure a fair comparison of our numbers, we compared the premiums reported by a subset of users who are similar to one another.