On average, California's auto insurance premiums lean on the less expensive side, according to the National Association of Insurance Commissioners (NAIC). In its 2011/2012 Auto Insurance Database Report, NAIC ranked California 22nd for least expensive combined average premiums among the 50 U.S. states and the District of Columbia.

NerdWallet decided to delve further into the state's auto premiums, ranking the 20 most and least expensive cities for auto insurance in the state. What the report found was that premiums vary throughout the state from city to city.

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