High-cost market with dense urban driving and elevated theft.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in California was approximately $1,224/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
California Department of Insurance — licenses carriers and agents in California, reviews rate filings, and handles consumer complaints.
California Department of Insurance — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
California is an at-fault (tort) state. The driver who causes an accident is financially responsible through their liability coverage.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
See best auto insurance companies 2026 — editorial picks