Best Answer

Auto insurance is calculated in a number of different ways in the state of California. While some rating factors are obvious, others are not. The first thing considered is your vehicle's rating and symbol. Most drivers think just because they have an older car their premiums will be lower. This is not always true, because some older vehicles have higher symbols. A symbol is determined by how often vehicles are in accidents, how much damage they cause, and how much they cost to repair. If an older vehicle is known to cause a lot of damage it will have a high rating.

The drivers on your policy are also considered. The number of years of driving experience each driver has, if they have claims, and if their have tickets are all rating factors. If you have nothing in the past 3 years, you will qualify for a CA Good Driver Discount.

Vehicle Usage is another factor that is overlooked. Insurance companies rate for pleasure, commute or business use. Pleasure usage offers the lowest rates because it poses the least risk. You will also be rated based on annual mileage. Drivers in lower mileage brackets will be rated lower because they are on the road less and pose a smaller risk than those who drive over the average annual mileage in the state.

User Avatar

Wiki User

13y ago
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: How is your auto insurance calculated in California?
Write your answer...
Still have questions?
magnify glass
Related questions

Where can someone get an auto insurance quote in California?

You can get an auto insurance quote in California from major insurance providers such as Progressive and The General. Another option is Nationwide Insurance.

Where is the headquarters of AIS auto insurance located?

The headquarters of AIS auto insurance are located in Pasadena, California. They specialize in getting low auto insurance rates in the state of California.

What is the average cost of a California auto insurance quote?

California has some of the highest insurance rates in the nation. You can get free auto insurance quotes at

Where can I compare California auto insurance quotes?

You can compare California insurance quotes at

What auto insurance is required by the state of California?


Which companies offer auto insurance quotes in California?

There are many companies that offer auto insurance quotes in California. Some of these companies are Allstate, Nationwide and Progressive. You can also contact the California Department of Insurance for quotes.

Where can someone find online auto insurance rates in California?

One may find online auto insurance rates in California buy using the web forms at All State and State Farm. Comparison sites such as "California Auto Insurance Rates" may also be used.

How can someone get auto insurance from California Casualty?

California Casualty is a insurance company based in the USA. Car insurance from California Casualty can be obtained from phoning them or online websites.

How much does auto insurance cost for a new driver in California?

Auto insurance rates depend on several factors, from your age to the type of car you are driving. An average amount for auto insurance in California would be between $2,000 and $3,000 per year.

What Insurance services does the Auto Club of Southern California offer?

Auto Club of Southern California offers many different kinds of insurance, including auto, home, life, boat, small business, renters, condo and personal umbrella insurance.

Where can a person find cheap auto insurance in California?

One can find cheap and quality auto insurance at an insurance agency call Cost U Less auto insurance. They have cheap prices with quality insurance for customers.

Is Hawaii auto insurance more expensive than California auto insurance?

No because there are more drivers and accidents in California. The libility is greater in Ca so it costs more.