Liberty Mutual California Auto Insurance Rates
Median premium: $646/6mo across 2,593 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How Liberty Mutual Compares in California
Median 6-month premium across all rated ZIPs. Liberty Mutual highlighted in blue.
Geographic Detail
Cheapest Cities for Liberty Mutual
| City | Avg Premium | vs. State Median |
|---|---|---|
| San Ardo | $356 | -69% |
| Etna | $365 | -68% |
| Weed | $367 | -68% |
Most Expensive Cities for Liberty Mutual
| City | Avg Premium | vs. State Median |
|---|---|---|
| Camp Pendleton | $1,216 | +5% |
| Universal City | $1,112 | -4% |
| Reseda | $1,082 | -6% |
Liberty Mutual California Insurance FAQ
ZIP Code Lookup
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Other carriers in California
Liberty Mutual ranks #1 out of 9 carriers in California with a median 6-month premium of $646. This places Liberty Mutual 44% below the statewide median of $1,153. The carrier covers 2,593 ZIP codes across the state, with premiums ranging from $356 to $1,491.
Liberty Mutual is the cheapest option in 100% of California ZIP codes (2,593 ZIPs). The most affordable Liberty Mutual rates are found in San Ardo, where the average premium is just $356. On the other end, Camp Pendleton has the highest Liberty Mutual premiums, averaging $1,216 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 9 carriers, 2,593 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.