California car insurance has gone up because repairs, medical care, and injury claims cost more than ever, and insurers have been catching up after several years of losses.
Newer cars are full of sensors and cameras that are expensive to repair, vehicle theft and parts costs have risen, and heavy traffic on corridors like Highway 99 and I-5 leads to more accidents. California also raised its minimum liability limits to 30/60/15 in 2025.
Under Proposition 103, your rate is based mainly on your driving record, the miles you drive, and your years of driving experience, and insurers can’t use your credit score. To lower your premium, ask about the Good Driver Discount (at least 20% for qualifying drivers), report lower mileage if you drive less, bundle with your homeowners policy, raise your comprehensive and collision deductibles, and compare multiple carriers.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
Related FAQs
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