Compare Cotati, CA Car Insurance Rates (2021)

Car insurance in Cotati, CA averages $284 a month. Cotati, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Cotati car insurance rates, compare quotes from the top car insurance companies in Cotati, 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

  • Average car insurance rates in Cotati, CA are $3,408/year
  • The cheapest car insurance company in Cotati for teen drivers is USAA
  • Average car insurance rates in Cotati, CA after a DUI are $4,781/year

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

You’ll find Cotati car insurance rates, the cheapest Cotati, CA car insurance companies, and information on California car insurance laws. You can also compare Cotati, California car insurance rates to San Jose car insurance rates, Sacramento car insurance rates, and San Diego car insurance rates.

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

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

How do age, gender, and marital status affect Cotati, CA car insurance rates? Every Cotati, 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 Cotati, 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 $2,605 $2,606 $1,912 $1,928 $7,320 $9,214 $3,337 $3,664
Farmers $2,491 $2,491 $2,252 $2,252 $7,974 $13,052 $2,955 $3,294
GEICO $1,542 $1,543 $1,450 $1,450 $4,684 $4,766 $2,213 $2,264
Liberty Mutual $2,226 $2,110 $2,073 $2,010 $4,909 $5,214 $2,514 $2,528
Nationwide $3,032 $2,891 $2,661 $2,505 $7,784 $8,575 $3,633 $3,582
Progressive $1,480 $1,521 $1,258 $1,488 $3,905 $4,690 $2,115 $2,269
State Farm $3,204 $3,204 $2,863 $2,863 $5,891 $7,291 $3,549 $3,662
Travelers $2,493 $2,414 $2,207 $2,182 $5,154 $5,944 $3,261 $3,185
USAA $1,775 $1,682 $1,732 $1,740 $4,023 $4,061 $2,464 $2,330

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 Cotati, CA

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

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

Annual Cotati, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,461 $4,135 $6,471 $3,227
Farmers $3,399 $4,627 $5,760 $4,594
GEICO $1,741 $2,685 $3,370 $2,160
Liberty Mutual $2,560 $3,429 $3,092 $2,712
Nationwide $3,026 $3,878 $6,550 $3,878
Progressive $1,540 $2,606 $3,000 $2,217
State Farm $2,901 $3,460 $6,537 $3,367
Travelers $2,238 $3,642 $4,249 $3,292
USAA $1,647 $2,451 $4,003 $1,804

Cheapest Cotati, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cotati, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,320 $9,214
Farmers $7,974 $13,052
GEICO $4,684 $4,766
Liberty Mutual $4,909 $5,214
Nationwide $7,784 $8,575
Progressive $3,905 $4,690
State Farm $5,891 $7,291
Travelers $5,154 $5,944
USAA $4,023 $4,061

Cheapest Cotati, CA Car Insurance for Seniors

Take a look at Cotati, 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 Cotati, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,912 $1,928
Farmers $2,252 $2,252
GEICO $1,450 $1,450
Liberty Mutual $2,073 $2,010
Nationwide $2,661 $2,505
Progressive $1,258 $1,488
State Farm $2,863 $2,863
Travelers $2,207 $2,182
USAA $1,732 $1,740

Cheapest Cotati, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cotati, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,471
Farmers $5,760
GEICO $3,370
Liberty Mutual $3,092
Nationwide $6,550
Progressive $3,000
State Farm $6,537
Travelers $4,249
USAA $4,003

Cheapest Cotati, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cotati, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,679 $4,467
Farmers $4,169 $5,021
GEICO $2,261 $2,717
Liberty Mutual $2,709 $3,187
Nationwide $3,826 $4,839
Progressive $2,122 $2,560
State Farm $3,920 $4,212
Travelers $3,016 $3,695
USAA $2,284 $2,668

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 Cotati, CA

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

Average Annual Car Insurance Rates by Company in Cotati, California

Insurance Company Average Annual Rates
Allstate $4,073
Farmers $4,595
GEICO $2,489
Liberty Mutual $2,948
Nationwide $4,333
Progressive $2,341
State Farm $4,066
Travelers $3,355
USAA $2,476

Category Winners: Cheapest Car Insurance in Cotati, California

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

Best Annual Car Insurance Rates by Company in Cotati, California

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

Cheapest Cotati, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cotati, California

Insurance Company Low Medium High
Allstate $3,878 $4,106 $4,236
Farmers $4,276 $4,632 $4,877
GEICO $2,261 $2,517 $2,689
Liberty Mutual $2,755 $2,976 $3,114
Nationwide $3,895 $4,415 $4,688
Progressive $2,099 $2,416 $2,507
State Farm $3,704 $4,129 $4,365
Travelers $2,963 $3,441 $3,661
USAA $2,267 $2,520 $2,641

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 Cotati, California?

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

Car Theft in Cotati

High levels of vehicle theft can make car insurance more expensive. Cotati, CA car theft statistics from the FBI indicate 11 vehicle thefts a year.

Commute Time in Cotati

The more time you spend in your car the higher the risk of an accident. The average commute length in Cotati, CA is 27.8 minutes according to City-Data.

Compare Car Insurance Quotes in Cotati, CA

Ready to find affordable Cotati, California car insurance today? Enter your ZIP code for fast, free Cotati, 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