Average insurance rates across 552 cities in California
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Los Angeles | 3,979,576 | $2,584 | $2,992 | $601/mo | $27/mo |
| San Diego | 1,423,851 | $2,508 | $2,904 | $597/mo | $26/mo |
| San Jose | 1,021,795 | $2,831 | $3,278 | $612/mo | $30/mo |
| San Francisco | 873,965 | $3,116 | $3,608 | $625/mo | $33/mo |
| Mission Viejo | 642,211 | $2,432 | $2,816 | $594/mo | $26/mo |
| Fresno | 542,107 | $1,976 | $2,288 | $573/mo | $21/mo |
| Sacramento | 524,943 | $2,185 | $2,530 | $583/mo | $23/mo |
| Long Beach | 466,742 | $2,527 | $2,926 | $598/mo | $27/mo |
| Oakland | 433,031 | $2,793 | $3,234 | $610/mo | $29/mo |
| Bakersfield | 403,455 | $1,976 | $2,288 | $573/mo | $21/mo |
| Indio | 369,654 | $2,432 | $2,816 | $594/mo | $26/mo |
| Victorville | 364,015 | $2,432 | $2,816 | $594/mo | $26/mo |
| Anaheim | 350,365 | $2,622 | $3,036 | $602/mo | $28/mo |
| Antioch | 327,216 | $2,432 | $2,816 | $594/mo | $26/mo |
| Stockton | 320,804 | $2,052 | $2,376 | $577/mo | $22/mo |
California residents pay an average of $1,900 per year for home insurance and $2,200 for auto insurance. California follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 15/30/5.
Health insurance in California averages $570 per month for an individual Silver marketplace plan. The weather risk level is high, with earthquake risk to consider. Top insurance providers in California include State Farm, Farmers, CSAA.
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Policygenius The ZebraThe average home insurance cost in California is $1,900 per year. Rates range from $1,200 to $3,500 depending on home value, location, and coverage level.
Auto insurance in California averages $2,200 per year for full coverage. The state minimum coverage is 15/30/5.
Yes, California has above-average insurance costs, with home insurance at $1,900/yr and auto at $2,200/yr compared to national averages of $2,300 and $1,800 respectively.
California requires minimum liability coverage of 15/30/5 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.