Compare Charter Oak, CA Car Insurance Rates (2021)

Car insurance in Charter Oak, CA averages $333 a month. Charter Oak, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Charter Oak car insurance rates, compare quotes from the top car insurance companies in Charter Oak, 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 Charter Oak, CA after a DUI are $5,615/year
  • Average car insurance rates in Charter Oak, CA are $3,995/year
  • The cheapest car insurance company in Charter Oak for teen drivers is USAA

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

You’ll find Charter Oak car insurance rates, the cheapest Charter Oak, CA car insurance companies, and information on California car insurance laws. You can also compare Charter Oak, California car insurance rates to Oakland car insurance rates, Sacramento car insurance rates, and Bakersfield car insurance rates.

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

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

How do age, gender, and marital status affect Charter Oak, CA car insurance rates? Every Charter Oak, 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 Charter Oak, 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 $3,194 $3,184 $2,329 $2,341 $8,967 $11,255 $4,062 $4,424
Farmers $2,970 $2,970 $2,698 $2,698 $9,477 $15,425 $3,522 $3,928
GEICO $1,966 $1,966 $1,848 $1,848 $5,990 $6,084 $2,825 $2,882
Liberty Mutual $2,335 $2,195 $2,191 $2,116 $5,057 $5,437 $2,613 $2,656
Nationwide $3,441 $3,278 $3,030 $2,850 $8,837 $9,758 $4,106 $4,042
Progressive $2,020 $2,078 $1,731 $2,049 $5,465 $6,566 $2,928 $3,146
State Farm $3,632 $3,632 $3,247 $3,247 $6,721 $8,337 $4,023 $4,148
Travelers $2,767 $2,674 $2,447 $2,421 $5,821 $6,658 $3,628 $3,536
USAA $1,962 $1,860 $1,910 $1,919 $4,501 $4,525 $2,713 $2,566

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Minimum Car Insurance in Charter Oak, CA

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

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

Annual Charter Oak, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,993 $5,032 $7,926 $3,927
Farmers $4,043 $5,502 $6,841 $5,459
GEICO $2,218 $3,436 $4,299 $2,752
Liberty Mutual $2,670 $3,573 $3,229 $2,829
Nationwide $3,430 $4,400 $7,440 $4,400
Progressive $2,119 $3,621 $4,193 $3,059
State Farm $3,301 $3,936 $7,425 $3,830
Travelers $2,471 $4,087 $4,741 $3,677
USAA $1,822 $2,716 $4,443 $1,996

Cheapest Charter Oak, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Charter Oak, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,967 $11,255
Farmers $9,477 $15,425
GEICO $5,990 $6,084
Liberty Mutual $5,057 $5,437
Nationwide $8,837 $9,758
Progressive $5,465 $6,566
State Farm $6,721 $8,337
Travelers $5,821 $6,658
USAA $4,501 $4,525

Cheapest Charter Oak, CA Car Insurance for Seniors

Take a look at Charter Oak, 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 Charter Oak, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,329 $2,341
Farmers $2,698 $2,698
GEICO $1,848 $1,848
Liberty Mutual $2,191 $2,116
Nationwide $3,030 $2,850
Progressive $1,731 $2,049
State Farm $3,247 $3,247
Travelers $2,447 $2,421
USAA $1,910 $1,919

Cheapest Charter Oak, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Charter Oak, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,926
Farmers $6,841
GEICO $4,299
Liberty Mutual $3,229
Nationwide $7,440
Progressive $4,193
State Farm $7,425
Travelers $4,741
USAA $4,443

Cheapest Charter Oak, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charter Oak, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,478 $5,461
Farmers $4,954 $5,969
GEICO $2,885 $3,467
Liberty Mutual $2,822 $3,328
Nationwide $4,339 $5,496
Progressive $2,944 $3,552
State Farm $4,455 $4,791
Travelers $3,364 $4,124
USAA $2,528 $2,960

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The Best Cheap Car Insurance Companies in Charter Oak, CA

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

Average Annual Car Insurance Rates by Company in Charter Oak, California

Insurance Company Average Annual Rates
Allstate $4,969
Farmers $5,461
GEICO $3,176
Liberty Mutual $3,075
Nationwide $4,918
Progressive $3,248
State Farm $4,623
Travelers $3,744
USAA $2,744

Category Winners: Cheapest Car Insurance in Charter Oak, California

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

Best Annual Car Insurance Rates by Company in Charter Oak, California

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

Cheapest Charter Oak, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Charter Oak, California

Insurance Company Low Medium High
Allstate $4,678 $5,016 $5,215
Farmers $5,049 $5,508 $5,827
GEICO $2,835 $3,216 $3,478
Liberty Mutual $2,837 $3,104 $3,284
Nationwide $4,381 $5,010 $5,362
Progressive $2,874 $3,356 $3,514
State Farm $4,151 $4,708 $5,010
Travelers $3,253 $3,846 $4,133
USAA $2,483 $2,799 $2,952

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What affects car insurance rates in Charter Oak, California?

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

Commute Time in Charter Oak

The more time you spend in your car the higher the risk of an accident. The average commute length in Charter Oak, CA is 36.5 minutes according to City-Data.

Compare Car Insurance Quotes in Charter Oak, CA

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

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Average Monthly Car Insurance Rates by State