Statewide Coverage for the Golden State
California Auto Insurance
Get affordable auto insurance anywhere in California. From the beaches of San Diego to the redwoods of Northern California, we provide comprehensive coverage tailored to your needs.
Auto Insurance for 39.5 Million Californians
As the nation's most populous state, California presents unique auto insurance challenges. Our statewide network helps you navigate everything from urban traffic to wildfire risks.
39.5M+
Population
30M+
Registered Vehicles
482
Cities
$1,868
Avg Annual Premium
Why California Drivers Choose Midland Insurance
California's diverse geography and demographics create vastly different insurance needs. From earthquake and wildfire coverage to navigating the nation's busiest freeways, we understand the unique factors that affect your rates and coverage requirements.
Learn more about California car insuranceAuto Insurance in California's Largest Cities
Los Angeles
Pop: 3.9M+
$2,489/year
Highest rates due to traffic density
San Diego
Pop: 1.4M+
$1,868/year
Moderate rates, military discounts
San Jose
Pop: 1.0M+
$2,023/year
Tech hub with high vehicle values
San Francisco
Pop: 874K+
$2,195/year
Urban rates, limited parking
Fresno
Pop: 542K+
$1,645/year
Lower rates, agricultural area
Sacramento
Pop: 525K+
$1,687/year
Capital city, government workers
Long Beach
Pop: 466K+
$2,215/year
LA County rates apply
Oakland
Pop: 440K+
$2,351/year
Bay Area premium rates
Serving All California Regions
Southern California
LA, Orange, San Diego Counties
Highest population density
Bay Area
9-county region
Tech industry concentration
Central Valley
Agricultural heartland
Lower average rates
Inland Empire
Riverside, San Bernardino
Growing suburban markets
California Auto Insurance Considerations
Wildfire Risk
Comprehensive coverage essential in fire zones
✓ Specialized wildfire protection options
Earthquake Exposure
Standard comprehensive covers quake damage
✓ Gap insurance for high-value vehicles
Traffic Congestion
Higher accident rates in urban areas
✓ Accident forgiveness programs
Uninsured Drivers
15% of CA drivers lack insurance
✓ Uninsured/underinsured motorist coverage
Cost of Living
Higher repair and medical costs
✓ Adjustable coverage limits
California Insurance Benefits
Good Driver Discount
20% mandatory discount for qualified drivers
Low Mileage Options
Usage-based insurance for remote workers
Multi-Policy Savings
Bundle auto with home or renters
Digital Services
Electronic proof of insurance accepted
California Auto Insurance Questions
What are California's minimum auto insurance requirements?
California requires minimum liability coverage of 15/30/5: $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage. However, these minimums are often inadequate for serious accidents.
How much does car insurance cost in California?
The average cost is $1,868 per year for full coverage and $630 for minimum coverage. Rates vary significantly by location, with Los Angeles averaging $2,489 and rural areas much lower.
Does California require uninsured motorist coverage?
No, uninsured motorist coverage is optional in California. However, it's highly recommended since approximately 15% of California drivers are uninsured.
Can I use my phone to show proof of insurance in California?
Yes, California allows electronic proof of insurance on smartphones or other devices during traffic stops. However, keep a backup physical copy in case of device issues.
What discounts are available for California drivers?
California mandates a 20% good driver discount, plus insurers offer multi-policy, low mileage, defensive driving, student, and senior discounts. Military and professional discounts may also apply.
How does wildfire affect my auto insurance in California?
Comprehensive coverage typically covers wildfire damage to vehicles. If you live in high-risk areas, ensure adequate coverage and document your vehicle's condition regularly.