The average cost of full coverage car insurance in California is approximately $2,300 per year, or about $190 per month. However, this is just a starting point. Your actual premium will be highly personalized, and it's not uncommon for quotes to range from around $1,500 to over $3,500 annually based on your specific driver profile.
The term "full coverage" isn't a single policy but typically refers to a combination of liability, comprehensive, and collision coverage. Liability is legally required in California, while comprehensive and collision protect your own vehicle. The final price is a complex calculation insurers make based on risk.
The biggest factors influencing your rate are your driving record, age, location, and the vehicle you drive. A clean record is the single best way to keep costs down. Your credit-based insurance score (where permitted) also plays a significant role.
| Factor | Low-Risk Profile (Lower Premium) | High-Risk Profile (Higher Premium) | Approximate Annual Cost Impact |
|---|
| Driving Record | Clean record (no tickets/accidents) | At-fault accident or speeding ticket | +$800 or more |
| Age | Middle-aged driver (40s) | Teenage driver (16-year-old) | +$2,000 - $5,000 |
| Location | Rural area (e.g., Redding) | Dense urban area (e.g., Los Angeles) | +$500 - $1,000 |
| Vehicle Type | Sedan (e.g., Honda Accord) | Luxury SUV (e.g., Tesla Model Y) | +$400 - $1,200 |
| Credit History | Excellent credit score | Poor or no credit history | +$500 - $1,500 |
| Coverage Limits | State minimum liability | High limits ($100k/$300k/$100k) | +$300 - $700 |
| Deductible | High deductible ($1,000) | Low deductible ($250) | +$200 - $500 annually |
The most effective way to get an accurate price is to shop around and compare quotes from at least three different companies. Insurers weigh these factors differently, so prices can vary wildly for the same driver.
