California is one of the most expensive states to buy auto insurance, with an annual average insurance rate of $1,819. As of January 2014, Los Angeles is the most expensive auto insurance zip code in California, with an annual average insurance rate as high as $2,195.

In a state where insurance costs start at $1,883, it is best to consider both the price of the vehicle as well as the cost of insuring it before making a choice.

Make Model Year Range Average Annual Insurance Rate ($) Median Price ($) Insurance Percentage (%)
Honda Accord 2005 - 2012 1,883 17,999 10
Honda CR-V 2005 - 2012 1,893 24,890 7
Toyota Camry 2005 - 2012 1,956 17,300 11
Toyota Corolla 2005 - 2012 2,055 16,988 12
Chevrolet Silverado 2005 - 2012 2,057 13,999 14
Ford F-Series 2005 - 2012 2,091 25,999 8
Nissan Altima 2005 - 2012 2,225 15,999 13
Honda Civic 2005 - 2012 2,252 13,495 16

While the Honda Civic costs the least in terms of median price, it has steep insurance costs. You will have to shell out an average of $2252 every year to insure the Civic. The Chevrolet Silverado, too, has a low median price but high insurance rate.

One of the ways to reduce your overall costs is to buy your vehicle from another state and have it shipped back home. The Honda Civic, if you have the time to make the trip, can be purchased for a median price of $11,975 from San Francisco. If you want to avoid the inconvenience, you could buy your car from Lansing, Michigan, where it is available for a median price of only $5,000. The Toyota Corolla is also available for a median price of $9888 in Plano, Texas. You could invest in auto transport insurance while you get your car shipped back home, and still save thousands of dollars. This would bring your overall cost down, so that you can spend the money you save on auto insurance.