Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.


Insurance Q&A: “Is car insurance more expensive in California?”

Yes and No. California insurance, similar to housing, is more expensive than most other states, but not all.

Perhaps surprisingly, Californians do not hold the top spot when it comes to auto insurance premiums. In fact, California just missed the top five with regard to the most expensive states for auto insurance.

As touched on in a previous post, Michigan drivers live with the pain of knowing they have the most expensive car insurance in the nation.

Did You Say Michigan?

Let us guess. You weren’t thinking Michigan? Why Michigan? They must drive like maniacs, right? Wrong. State regulation and weather play a big part in the scheme of things up there.

Michigan is the only state that affords unlimited personal injury protection payments, which drives up costs.

Basically, your car insurance acts as a health insurance policy would in most states.

“You need $1,000,000 for your neck injury Mr. Jones? No problem, we’ll pass the costs onto every driver in Michigan.”

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Who “Beats” California?

There are some lists you don’t want to be at the top of…and this is certainly one of them. Here are the top six states by auto insurance cost, based on a recent survey from

1. Michigan – $2,541
2. Louisiana – $2,453
3. Oklahoma – $2,197
4. Montana – $2,190
5. Washington, D.C. – $2,146
6. California – $1,991

As you can see, car insurance is a full $500 cheaper in California than it is in places like Michigan and Louisiana, despite things like housing being much cheaper.

But before you get too far ahead of yourself, note that these are average premiums. Not bare minimums, or necessarily the price you will receive when gathering insurance quotes.

And there are several ways to get a lower insurance premium, even if you live in California.

First off, there are multiple discounts available to drivers in every state, including on California car insurance rates.  And most insurers will review your credit history, known as an insurance score, to generate your final premium. Put simply, pay your bills on time and you’ll pay less for insurance.

[Credit scores and car insurance rates.]

You can also raise your auto insurance deductible or opt for liability-only car insurance if you’ve got an older, inexpensive vehicle (see more ways to lower your car insurance premium.)

And be sure to learn more about how car insurance rates are determined to get the jump on lowering your overall insurance costs.

Read more: Top auto insurance companies in California.