State Farm California Auto Insurance Rates
Median premium: $2,070/6mo across 2,593 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How State Farm Compares in California
Median 6-month premium across all rated ZIPs. State Farm highlighted in blue.
Geographic Detail
Cheapest Cities for State Farm
| City | Avg Premium | vs. State Median |
|---|---|---|
| San Ardo | $1,142 | -1% |
| Etna | $1,170 | +1% |
| Weed | $1,178 | +2% |
Most Expensive Cities for State Farm
| City | Avg Premium | vs. State Median |
|---|---|---|
| Camp Pendleton | $3,897 | +238% |
| Universal City | $3,565 | +209% |
| Reseda | $3,470 | +201% |
State Farm California Insurance FAQ
ZIP Code Lookup
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Other carriers in California
State Farm ranks #8 out of 9 carriers in California with a median 6-month premium of $2,070. This places State Farm 80% above the statewide median of $1,153. The carrier covers 2,593 ZIP codes across the state, with premiums ranging from $1,142 to $4,780.
State Farm is the cheapest option in 0% of California ZIP codes (0 ZIPs). The most affordable State Farm rates are found in San Ardo, where the average premium is just $1,142. On the other end, Camp Pendleton has the highest State Farm premiums, averaging $3,897 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.