Compare Chico, CA Car Insurance Rates (2021)

Car insurance in Chico, CA averages $262 a month. Chico, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Chico car insurance rates, compare quotes from the top car insurance companies in Chico, 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 Chico, CA are $3,148/year
  • The cheapest car insurance company in Chico for teen drivers is USAA
  • Average car insurance rates in Chico, CA after a DUI are $4,420/year

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

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

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

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

How do age, gender, and marital status affect Chico, CA car insurance rates? Every Chico, 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 Chico, 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 $2,497 $2,503 $1,821 $1,844 $6,861 $8,633 $3,208 $3,540
Farmers $2,155 $2,155 $1,939 $1,939 $6,908 $11,367 $2,556 $2,848
GEICO $1,671 $1,672 $1,573 $1,573 $5,049 $5,140 $2,395 $2,454
Liberty Mutual $2,008 $1,902 $1,859 $1,801 $4,306 $4,587 $2,262 $2,285
Nationwide $2,822 $2,697 $2,477 $2,338 $7,114 $7,866 $3,368 $3,325
Progressive $1,600 $1,647 $1,362 $1,615 $4,257 $5,129 $2,302 $2,474
State Farm $2,688 $2,688 $2,400 $2,400 $4,926 $6,127 $2,971 $3,061
Travelers $2,095 $2,034 $1,850 $1,832 $4,220 $4,798 $2,688 $2,644
USAA $1,753 $1,661 $1,711 $1,719 $3,966 $3,988 $2,421 $2,289

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Minimum Car Insurance in Chico, CA

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

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

Annual Chico, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,330 $3,923 $6,144 $3,055
Farmers $2,944 $4,009 $4,997 $3,983
GEICO $1,884 $2,895 $3,647 $2,337
Liberty Mutual $2,278 $3,054 $2,757 $2,415
Nationwide $2,794 $3,582 $6,046 $3,582
Progressive $1,671 $2,835 $3,283 $2,405
State Farm $2,430 $2,899 $5,481 $2,821
Travelers $1,876 $3,002 $3,482 $2,720
USAA $1,623 $2,410 $3,945 $1,777

Cheapest Chico, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Chico, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,861 $8,633
Farmers $6,908 $11,367
GEICO $5,049 $5,140
Liberty Mutual $4,306 $4,587
Nationwide $7,114 $7,866
Progressive $4,257 $5,129
State Farm $4,926 $6,127
Travelers $4,220 $4,798
USAA $3,966 $3,988

Cheapest Chico, CA Car Insurance for Seniors

Take a look at Chico, 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 Chico, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,821 $1,844
Farmers $1,939 $1,939
GEICO $1,573 $1,573
Liberty Mutual $1,859 $1,801
Nationwide $2,477 $2,338
Progressive $1,362 $1,615
State Farm $2,400 $2,400
Travelers $1,850 $1,832
USAA $1,711 $1,719

Cheapest Chico, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chico, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,144
Farmers $4,997
GEICO $3,647
Liberty Mutual $2,757
Nationwide $6,046
Progressive $3,283
State Farm $5,481
Travelers $3,482
USAA $3,945

Cheapest Chico, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chico, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,486 $4,240
Farmers $3,615 $4,352
GEICO $2,445 $2,937
Liberty Mutual $2,410 $2,842
Nationwide $3,540 $4,462
Progressive $2,313 $2,784
State Farm $3,282 $3,533
Travelers $2,499 $3,041
USAA $2,248 $2,629

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Cheapest Chico, CA Car Insurance Rates by ZIP Code

Chico car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chico, CA.

Annual Car Insurance Rates by ZIP Code in Chico, California

ZIP Code Average Annual Rates
95926 $4,167
95928 $4,219
95929 $4,593
95973 $4,159

The Best Cheap Car Insurance Companies in Chico, CA

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

Average Annual Car Insurance Rates by Company in Chico, California

Insurance Company Average Annual Rates
Allstate $3,863
Farmers $3,983
GEICO $2,691
Liberty Mutual $2,626
Nationwide $4,001
Progressive $2,548
State Farm $3,408
Travelers $2,770
USAA $2,439

Category Winners: Cheapest Car Insurance in Chico, California

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

Best Annual Car Insurance Rates by Company in Chico, 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

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Cheapest Chico, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Chico, California

Insurance Company Low Medium High
Allstate $3,665 $3,895 $4,029
Farmers $3,729 $4,014 $4,208
GEICO $2,437 $2,721 $2,915
Liberty Mutual $2,447 $2,647 $2,784
Nationwide $3,575 $4,076 $4,352
Progressive $2,286 $2,625 $2,733
State Farm $3,060 $3,466 $3,697
Travelers $2,414 $2,842 $3,053
USAA $2,216 $2,485 $2,615

What affects car insurance rates in Chico, California?

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

Car Theft in Chico

High levels of vehicle theft can make car insurance more expensive. Chico, CA car theft statistics from the FBI indicate 315 vehicle thefts a year.

Commute Time in Chico

The more time you spend in your car the higher the risk of an accident. The average commute length in Chico, CA is 16.9 minutes according to City-Data.

Compare Car Insurance Quotes in Chico, CA

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

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Average Monthly Car Insurance Rates by State