Compare Arcata, CA Car Insurance Rates (2021)

Car insurance in Arcata, CA averages $251 a month. Arcata, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Arcata car insurance rates, compare quotes from the top car insurance companies in Arcata, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Arcata, CA after a DUI are $4,219/year
  • The cheapest car insurance company in Arcata is USAA
  • Average car insurance rates in Arcata, CA are $3,011/year

If you need to buy Arcata, California car insurance, the options can be confusing. Everything you need to know about car insurance in Arcata, CA is right here.

You’ll find Arcata car insurance rates, the cheapest Arcata, CA car insurance companies, and information on California car insurance laws. You can also compare Arcata, California car insurance rates to San Diego car insurance rates, Long Beach car insurance rates, and San Francisco car insurance rates.

Ready to find affordable Arcata, CA car insurance today? Enter your ZIP code for fast, free Arcata car insurance quotes.

Cheapest Arcata, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Arcata, CA car insurance rates? Every Arcata, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Arcata, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,379 $2,389 $1,730 $1,765 $6,531 $8,230 $3,103 $3,457
Farmers $2,116 $2,116 $1,898 $1,898 $6,791 $11,232 $2,511 $2,797
GEICO $1,586 $1,587 $1,492 $1,492 $4,846 $4,936 $2,280 $2,333
Liberty Mutual $2,020 $1,920 $1,864 $1,810 $4,389 $4,644 $2,285 $2,297
Nationwide $2,618 $2,503 $2,281 $2,155 $6,608 $7,281 $3,124 $3,096
Progressive $1,487 $1,530 $1,265 $1,499 $3,936 $4,742 $2,135 $2,294
State Farm $2,537 $2,537 $2,264 $2,264 $4,617 $5,721 $2,805 $2,894
Travelers $2,001 $1,943 $1,773 $1,755 $4,005 $4,600 $2,576 $2,530
USAA $1,677 $1,592 $1,637 $1,647 $3,780 $3,812 $2,327 $2,202

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Minimum Car Insurance in Arcata, CA

Every driver must carry the minimum car insurance in Arcata, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Arcata, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Arcata, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Arcata, CA to rates for a clean record with top companies.

Annual Arcata, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,221 $3,781 $5,872 $2,918
Farmers $2,892 $3,943 $4,923 $3,921
GEICO $1,797 $2,774 $3,477 $2,228
Liberty Mutual $2,302 $3,088 $2,785 $2,440
Nationwide $2,594 $3,318 $5,603 $3,318
Progressive $1,550 $2,625 $3,039 $2,229
State Farm $2,283 $2,725 $5,161 $2,652
Travelers $1,801 $2,859 $3,333 $2,598
USAA $1,554 $2,305 $3,776 $1,701

Cheapest Arcata, CA Car Insurance for Teen Drivers

Teen car insurance in Arcata, CA can be expensive. Take a look at rates from the top car insurance companies in Arcata for teenagers.

Annual Car Insurance Rates for Teen Drivers in Arcata, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,531 $8,230
Farmers $6,791 $11,232
GEICO $4,846 $4,936
Liberty Mutual $4,389 $4,644
Nationwide $6,608 $7,281
Progressive $3,936 $4,742
State Farm $4,617 $5,721
Travelers $4,005 $4,600
USAA $3,780 $3,812

Cheapest Arcata, CA Car Insurance for Seniors

Take a look at Arcata, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Arcata, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,730 $1,765
Farmers $1,898 $1,898
GEICO $1,492 $1,492
Liberty Mutual $1,864 $1,810
Nationwide $2,281 $2,155
Progressive $1,265 $1,499
State Farm $2,264 $2,264
Travelers $1,773 $1,755
USAA $1,637 $1,647

Cheapest Arcata, CA Car Insurance Rates After a DUI

A DUI in Arcata, CA increases car insurance rates. Compare Arcata, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Arcata, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,872
Farmers $4,923
GEICO $3,477
Liberty Mutual $2,785
Nationwide $5,603
Progressive $3,039
State Farm $5,161
Travelers $3,333
USAA $3,776

Cheapest Arcata, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Arcata, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Arcata, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,347 $4,050
Farmers $3,558 $4,282
GEICO $2,334 $2,804
Liberty Mutual $2,437 $2,871
Nationwide $3,278 $4,139
Progressive $2,143 $2,578
State Farm $3,089 $3,321
Travelers $2,388 $2,907
USAA $2,153 $2,515

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The Best Cheap Car Insurance Companies in Arcata, CA

Take a look at a side-by-side comparison of the top car insurance companies in Arcata, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Arcata, California

Insurance Company Average Annual Rates
Allstate $3,698
Farmers $3,920
GEICO $2,569
Liberty Mutual $2,654
Nationwide $3,708
Progressive $2,361
State Farm $3,205
Travelers $2,648
USAA $2,334

Category Winners: Cheapest Car Insurance in Arcata, California

Find the cheapest car insurance companies in Arcata, CA for each category right here.

Best Annual Car Insurance Rates by Company in Arcata, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Arcata, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Arcata car insurance rates. Find the cheapest Arcata, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Arcata, California

Insurance Company Low Medium High
Allstate $3,548 $3,723 $3,824
Farmers $3,691 $3,946 $4,122
GEICO $2,375 $2,596 $2,736
Liberty Mutual $2,496 $2,673 $2,792
Nationwide $3,372 $3,769 $3,984
Progressive $2,123 $2,431 $2,529
State Farm $2,935 $3,248 $3,431
Travelers $2,344 $2,714 $2,886
USAA $2,142 $2,374 $2,486

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What affects car insurance rates in Arcata, California?

What factors can have an impact on Arcata, CA car insurance? There are several reasons why Arcata car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Arcata, California.

Car Theft in Arcata

High levels of vehicle theft can make car insurance more expensive. Arcata, CA car theft statistics from the FBI indicate 64 vehicle thefts a year.

Commute Time in Arcata

The more time you spend in your car the higher the risk of an accident. The average commute length in Arcata, CA is 17.2 minutes according to City-Data.

Compare Car Insurance Quotes in Arcata, CA

Ready to find affordable Arcata, California car insurance today? Enter your ZIP code for fast, free Arcata, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State