Does Car Insurance Cost More In California? 
Actually California has some of the most competitive auto rates in the country due to Prop 103 . While everything else in California is expensive my clients are often pleasantly surprised that the auto insurance rates in California are not sky high . In California we have a different set of rules governed by the Prop 103 law that heavily regulates the rates in California and what an insurance carrier can charge . Insurance rates are not credit based but are heavily rated on your driving record and driving history . 