Car insurance rates are skyrocketing in California. The top 10 insurers in California got the nod last year to raise premiums an average of 6% — on top of a 15.4% hike in 2024 and a 13% jump in 2023, according to S&P Capital IQ.
Add it all up and rates by insurers who write about 85% of all California auto insurance have climbed on average more than one-third from 2023 to 2025.
That means a California driver who paid the state’s average premium of $1,087 in 2022 could be paying hundreds more today. Here are some reasons why your auto insurance has skyrocketed.