How much insurance you need depends on a lot of factors including how much you owe and own, how much your assets are worth, whether you have dependents, and how much out-of-pocket cost you could afford to bear average car insurance cost for first time drivers. You can estimate your coverage needs using our auto insurance coverage calculator or worksheets available on-line. Progressive, Selective and Safe co seem to have the best rates auto insurance in california
. If you are a student with a B or above, that is usually a 20% discount.