California Insurance Market Dashboard
According to the QuoteMoto California Insurance Market Tracker (updated September 5, 2025 at 4:22 PM), California auto insurance rates vary significantly across the state.
California Insurance Market Overview
Updated: Sep 5, 4:22 PM PST
- State Average (Annual)$1846+2.3% vs last year
- Average Monthly$154
- Market Conditionhardening
- Average Savings$487by comparing quotes
Average Annual Auto Insurance Rates by California City
| City | Annual Rate | Monthly Rate | vs State Average | Trend |
|---|---|---|---|---|
| Los Angeles | $2178 | $182 | +18% | ↑ up |
| Long Beach | $2141 | $178 | +16% | ↑ up |
| Oakland | $2031 | $169 | +10% | ↑ up |
| San Francisco | $1957 | $163 | +6% | ↑ up |
| San Diego | $1828 | $152 | -1% | → stable |
| San Jose | $1809 | $151 | -2% | → stable |
| Sacramento | $1698 | $142 | -8% | ↓ down |
| Fresno | $1680 | $140 | -9% | ↓ down |
Frequently Asked Questions
How often is this California insurance data updated?
Our California insurance market data is automatically updated every 15 minutes, ensuring you have access to the most current rate trends and carrier information.
What is the average cost of car insurance in California?
As of Sep 5, 4:22 PM, the average annual car insurance cost in California is $1846, or approximately $154 per month.
Which California city has the highest car insurance rates?
Currently, Los Angeles has the highest average rates at $2178 annually.
Data sources: California Department of Insurance, NAIC, carrier filings
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