Compare Cayucos, CA Car Insurance Rates (2021)

Car insurance in Cayucos, CA averages $238 a month. Cayucos, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Cayucos car insurance rates, compare quotes from the top car insurance companies in Cayucos, 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

  • The cheapest car insurance company in Cayucos for teen drivers is USAA
  • Average car insurance rates in Cayucos, CA after a DUI are $4,004/year
  • Average car insurance rates in Cayucos, CA are $2,851/year

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

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

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

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

How do age, gender, and marital status affect Cayucos, CA car insurance rates? Every Cayucos, 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 Cayucos, 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 $2,159 $2,162 $1,591 $1,607 $6,001 $7,549 $2,772 $3,051
Farmers $1,731 $1,731 $1,561 $1,561 $5,496 $8,999 $2,049 $2,280
GEICO $1,561 $1,562 $1,468 $1,468 $4,755 $4,842 $2,243 $2,295
Liberty Mutual $1,786 $1,692 $1,658 $1,609 $3,864 $4,109 $2,011 $2,028
Nationwide $2,439 $2,329 $2,148 $2,025 $6,170 $6,809 $2,901 $2,862
Progressive $1,542 $1,583 $1,341 $1,574 $4,164 $4,977 $2,236 $2,398
State Farm $2,483 $2,483 $2,219 $2,219 $4,549 $5,644 $2,746 $2,831
Travelers $2,060 $1,999 $1,829 $1,809 $4,162 $4,792 $2,669 $2,611
USAA $1,739 $1,645 $1,699 $1,703 $3,957 $3,975 $2,401 $2,267

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Minimum Car Insurance in Cayucos, CA

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

Minimum Required Car Insurance Coverage in Cayucos, 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 Cayucos, 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 Cayucos, CA to rates for a clean record with top companies.

Annual Cayucos, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,037 $3,418 $5,326 $2,665
Farmers $2,349 $3,198 $3,982 $3,175
GEICO $1,765 $2,725 $3,418 $2,190
Liberty Mutual $2,034 $2,727 $2,461 $2,156
Nationwide $2,421 $3,100 $5,219 $3,100
Progressive $1,617 $2,763 $3,198 $2,330
State Farm $2,243 $2,677 $5,062 $2,605
Travelers $1,855 $2,966 $3,455 $2,690
USAA $1,612 $2,397 $3,918 $1,765

Cheapest Cayucos, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cayucos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,001 $7,549
Farmers $5,496 $8,999
GEICO $4,755 $4,842
Liberty Mutual $3,864 $4,109
Nationwide $6,170 $6,809
Progressive $4,164 $4,977
State Farm $4,549 $5,644
Travelers $4,162 $4,792
USAA $3,957 $3,975

Cheapest Cayucos, CA Car Insurance for Seniors

Take a look at Cayucos, 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 Cayucos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,591 $1,607
Farmers $1,561 $1,561
GEICO $1,468 $1,468
Liberty Mutual $1,658 $1,609
Nationwide $2,148 $2,025
Progressive $1,341 $1,574
State Farm $2,219 $2,219
Travelers $1,829 $1,809
USAA $1,699 $1,703

Cheapest Cayucos, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cayucos, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,326
Farmers $3,982
GEICO $3,418
Liberty Mutual $2,461
Nationwide $5,219
Progressive $3,198
State Farm $5,062
Travelers $3,455
USAA $3,918

Cheapest Cayucos, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cayucos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,041 $3,682
Farmers $2,882 $3,470
GEICO $2,293 $2,755
Liberty Mutual $2,154 $2,535
Nationwide $3,060 $3,861
Progressive $2,248 $2,705
State Farm $3,032 $3,262
Travelers $2,471 $3,011
USAA $2,234 $2,613

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The Best Cheap Car Insurance Companies in Cayucos, CA

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

Average Annual Car Insurance Rates by Company in Cayucos, California

Insurance Company Average Annual Rates
Allstate $3,362
Farmers $3,176
GEICO $2,524
Liberty Mutual $2,345
Nationwide $3,460
Progressive $2,477
State Farm $3,147
Travelers $2,741
USAA $2,423

Category Winners: Cheapest Car Insurance in Cayucos, California

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

Best Annual Car Insurance Rates by Company in Cayucos, California

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

Cheapest Cayucos, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cayucos, California

Insurance Company Low Medium High
Allstate $3,213 $3,386 $3,485
Farmers $2,958 $3,200 $3,370
GEICO $2,295 $2,552 $2,726
Liberty Mutual $2,191 $2,364 $2,479
Nationwide $3,091 $3,522 $3,769
Progressive $2,158 $2,565 $2,709
State Farm $2,849 $3,194 $3,397
Travelers $2,428 $2,809 $2,988
USAA $2,195 $2,471 $2,604

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What affects car insurance rates in Cayucos, California?

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

Commute Time in Cayucos

The more time you spend in your car the higher the risk of an accident. The average commute length in Cayucos, CA is 24.0 minutes according to City-Data.

Compare Car Insurance Quotes in Cayucos, CA

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

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Average Monthly Car Insurance Rates by State