California Insurance Market Dashboard
According to the QuoteMoto California Insurance Market Tracker (updated September 19, 2026 at 11:39 PM), California auto insurance rates vary significantly across the state.
California Insurance Market Overview
Updated: Sep 19, 11:39 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?
Each market figure should display its source and update date. We do not describe information as real time without a verifiable integration.
What is the average cost of car insurance in California?
As of Sep 19, 11:39 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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