California Auto Insurance Rates
Median premium: $1,153/6mo across 9 carriers and 2,593 ZIP codes.
Premiums range from $636 to $5,974 — a 9.4x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$1,153
per 6 months
ZIP Codes
2,593
with rate data
Carriers
9
rated in CA
Price Spread
9.4x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Liberty Mutual | $646 | 2,593 ZIPs | 100% | |
| 2 | Farmers | $673 | 0 ZIPs | 0% | |
| 3 | USAA | $791 | 0 ZIPs | 0% | |
| 4 | GEICO | $1,098 | 0 ZIPs | 0% | |
| 5 | Progressive | $1,153 | 0 ZIPs | 0% | |
| 6 | Nationwide | $1,208 | 0 ZIPs | 0% | |
| 7 | Travelers | $1,230 | 0 ZIPs | 0% | |
| 8 | State Farm | $2,070 | 0 ZIPs | 0% | |
| 9 | Allstate | $2,588 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in California
| City | Avg Median | ZIPs |
|---|---|---|
| San Ardo | $636 | 1 |
| Etna | $652 | 1 |
| Weed | $656 | 1 |
| Quincy | $660 | 1 |
| Covelo | $669 | 1 |
Most Expensive Cities in California
| City | Avg Median | ZIPs |
|---|---|---|
| Camp Pendleton | $2,171 | 1 |
| Universal City | $1,986 | 1 |
| Reseda | $1,933 | 2 |
| Porter Ranch | $1,882 | 1 |
| West Hollywood | $1,879 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$2,663/6mo
91203 (Glendale)
Cheapest ZIP
$636/6mo
93450 (San Ardo)
9.4x
Price Spread
The most expensive ZIP in California costs 9.4x more than the cheapest. Your ZIP code matters more than you think.
California Auto Insurance FAQ
ZIP Code Lookup
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All carriers in California
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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.
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