Compare Carmel-By-The-Sea, CA Car Insurance Rates (2021)

Car insurance in Carmel-By-The-Sea, CA averages $260 a month. Carmel-By-The-Sea, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Carmel-By-The-Sea car insurance rates, compare quotes from the top car insurance companies in Carmel-By-The-Sea, CA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Carmel-by-the-Sea is Progressive
  • Average car insurance rates in Carmel-by-the-Sea, CA after a DUI are $4,416/year
  • The cheapest car insurance company in Carmel-by-the-Sea for teen drivers is Progressive

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

You’ll find Carmel-by-the-Sea car insurance rates, the cheapest Carmel-by-the-Sea, CA car insurance companies, and information on California car insurance laws. You can also compare Carmel-by-the-Sea, California car insurance rates to Long Beach car insurance rates, Sacramento car insurance rates, and Bakersfield car insurance rates.

Ready to find affordable Carmel-by-the-Sea, CA car insurance today? Enter your ZIP code for fast, free Carmel-by-the-Sea car insurance quotes.

Cheapest Carmel-by-the-Sea, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Carmel-by-the-Sea, CA car insurance rates? Every Carmel-by-the-Sea, 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 Carmel-by-the-Sea, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,066 $2,066 $1,867 $1,867 $6,576 $10,759 $2,448 $2,726
GEICO $1,432 $1,433 $1,348 $1,348 $4,339 $4,410 $2,054 $2,100
Liberty Mutual $1,945 $1,838 $1,814 $1,756 $4,213 $4,497 $2,186 $2,210
Nationwide $2,580 $2,463 $2,268 $2,138 $6,530 $7,207 $3,073 $3,033
Progressive $1,275 $1,309 $1,095 $1,289 $3,358 $4,024 $1,826 $1,958
State Farm $2,673 $2,673 $2,389 $2,389 $4,931 $6,127 $2,957 $3,048
Travelers $2,109 $2,042 $1,872 $1,853 $4,311 $4,917 $2,727 $2,667
USAA $2,030 $1,924 $1,972 $1,979 $4,716 $4,714 $2,790 $2,638

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Carmel-by-the-Sea, CA

Every driver must carry the minimum car insurance in Carmel-by-the-Sea, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Carmel-by-the-Sea, 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 Carmel-by-the-Sea, 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 Carmel-by-the-Sea, CA to rates for a clean record with top companies.

Annual Carmel-by-the-Sea, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $2,808 $3,823 $4,760 $3,796
GEICO $1,615 $2,488 $3,126 $2,003
Liberty Mutual $2,220 $2,973 $2,685 $2,352
Nationwide $2,560 $3,280 $5,527 $3,280
Progressive $1,326 $2,244 $2,590 $1,906
State Farm $2,426 $2,893 $5,461 $2,815
Travelers $1,894 $3,054 $3,539 $2,763
USAA $1,888 $2,815 $4,611 $2,068

Cheapest Carmel-by-the-Sea, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Carmel-by-the-Sea, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $6,576 $10,759
GEICO $4,339 $4,410
Liberty Mutual $4,213 $4,497
Nationwide $6,530 $7,207
Progressive $3,358 $4,024
State Farm $4,931 $6,127
Travelers $4,311 $4,917
USAA $4,716 $4,714

Cheapest Carmel-by-the-Sea, CA Car Insurance for Seniors

Take a look at Carmel-by-the-Sea, 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 Carmel-by-the-Sea, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $1,867 $1,867
GEICO $1,348 $1,348
Liberty Mutual $1,814 $1,756
Nationwide $2,268 $2,138
Progressive $1,095 $1,289
State Farm $2,389 $2,389
Travelers $1,872 $1,853
USAA $1,972 $1,979

Cheapest Carmel-by-the-Sea, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Carmel-by-the-Sea, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,445
Farmers $4,760
GEICO $3,126
Liberty Mutual $2,685
Nationwide $5,527
Progressive $2,590
State Farm $5,461
Travelers $3,539
USAA $4,611

Cheapest Carmel-by-the-Sea, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Carmel-by-the-Sea, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $3,445 $4,148
GEICO $2,097 $2,519
Liberty Mutual $2,348 $2,767
Nationwide $3,237 $4,086
Progressive $1,831 $2,202
State Farm $3,274 $3,523
Travelers $2,536 $3,088
USAA $2,618 $3,073

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

The Best Cheap Car Insurance Companies in Carmel-by-the-Sea, CA

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

Average Annual Car Insurance Rates by Company in Carmel-by-the-Sea, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $3,797
GEICO $2,308
Liberty Mutual $2,558
Nationwide $3,662
Progressive $2,017
State Farm $3,398
Travelers $2,812
USAA $2,845

Category Winners: Cheapest Car Insurance in Carmel-by-the-Sea, California

Find the cheapest car insurance companies in Carmel-by-the-Sea, CA for each category right here.

Best Annual Car Insurance Rates by Company in Carmel-by-the-Sea, California

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

Cheapest Carmel-by-the-Sea, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Carmel-by-the-Sea, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $3,532 $3,826 $4,032
GEICO $2,079 $2,336 $2,509
Liberty Mutual $2,383 $2,579 $2,711
Nationwide $3,271 $3,726 $3,987
Progressive $1,791 $2,082 $2,177
State Farm $3,041 $3,458 $3,696
Travelers $2,453 $2,888 $3,095
USAA $2,536 $2,909 $3,092

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

What affects car insurance rates in Carmel-by-the-Sea, California?

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

Commute Time in Carmel-by-the-Sea

The more time you spend in your car the higher the risk of an accident. The average commute length in Carmel-by-the-Sea, CA is 24.2 minutes according to City-Data.

Compare Car Insurance Quotes in Carmel-by-the-Sea, CA

Ready to find affordable Carmel-by-the-Sea, California car insurance today? Enter your ZIP code for fast, free Carmel-by-the-Sea, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State