See NerdWallet's guide to state car insurance requirements for more details on how the mandatory and optional parts of your California policy work. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. If you're new to the state looking for car insurance coverage, or if you've lived in California for years and want to know how much car insurance costs in California, you can find the information you need here. That higher cost of living is also reflected in auto insurance premiums; the average cost of car insurance in California is about 7% higher than the national average.
Cars that are considered more expensive to repair, such as luxury cars and electric vehicles, can make their rates higher than those that may cost less to repair. At age 18, drivers can choose to purchase their own auto insurance policy, but the cost will generally be higher than if they were still listed on their parents' policy. For example, cars like Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. A conviction for drunk driving in California generates higher insurance rates because insurers view you as a risky driver.
Finding the right car insurance company largely depends on your individual needs, so understanding what you're looking for and what your coverage needs are can be the first step in determining the best California car insurance for you. Liability insurance covers the cost of any damage, injury, or death you cause in a car accident, up to the predefined limits of your policy. Below is a table that shows the average car insurance rates in California for some popular vehicle makes and models at a variety of prices. Similarly, if you get a speeding ticket in California, you're likely to see an increase of up to 43% in what you pay for car insurance when you renew your policy.
Generally, until a child is legally an adult at age 18, they must share an auto insurance policy with a legal adult.