Compare El Dorado, CA Car Insurance Rates (2021)

Car insurance in El Dorado, CA averages $286 a month. El Dorado, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap El Dorado car insurance rates, compare quotes from the top car insurance companies in El Dorado, 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 El Dorado, CA after a DUI are $4,816/year
  • The cheapest car insurance company in El Dorado for teen drivers is USAA
  • Average car insurance rates in El Dorado, CA are $3,435/year

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

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

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

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

How do age, gender, and marital status affect El Dorado, CA car insurance rates? Every El Dorado, 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 El Dorado, 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 $2,448 $2,455 $1,786 $1,809 $6,732 $8,476 $3,145 $3,476
Farmers $2,481 $2,481 $2,237 $2,237 $7,919 $12,981 $2,940 $3,274
GEICO $1,696 $1,697 $1,596 $1,596 $5,131 $5,228 $2,432 $2,493
Liberty Mutual $2,190 $2,078 $2,033 $1,972 $4,816 $5,104 $2,476 $2,489
Nationwide $2,901 $2,772 $2,549 $2,406 $7,293 $8,075 $3,451 $3,406
Progressive $1,867 $1,919 $1,623 $1,910 $5,091 $6,098 $2,725 $2,926
State Farm $3,121 $3,121 $2,787 $2,787 $5,720 $7,099 $3,452 $3,559
Travelers $2,313 $2,243 $2,043 $2,022 $4,720 $5,399 $2,994 $2,937
USAA $1,972 $1,871 $1,917 $1,926 $4,552 $4,555 $2,712 $2,566

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Minimum Car Insurance in El Dorado, CA

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

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

Annual El Dorado, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,288 $3,849 $6,027 $3,000
Farmers $3,378 $4,599 $5,729 $4,568
GEICO $1,914 $2,943 $3,704 $2,374
Liberty Mutual $2,513 $3,368 $3,037 $2,662
Nationwide $2,866 $3,677 $6,207 $3,677
Progressive $1,964 $3,368 $3,914 $2,834
State Farm $2,821 $3,366 $6,363 $3,275
Travelers $2,072 $3,345 $3,892 $3,027
USAA $1,831 $2,728 $4,471 $2,006

Cheapest El Dorado, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in El Dorado, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,732 $8,476
Farmers $7,919 $12,981
GEICO $5,131 $5,228
Liberty Mutual $4,816 $5,104
Nationwide $7,293 $8,075
Progressive $5,091 $6,098
State Farm $5,720 $7,099
Travelers $4,720 $5,399
USAA $4,552 $4,555

Cheapest El Dorado, CA Car Insurance for Seniors

Take a look at El Dorado, 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 El Dorado, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,786 $1,809
Farmers $2,237 $2,237
GEICO $1,596 $1,596
Liberty Mutual $2,033 $1,972
Nationwide $2,549 $2,406
Progressive $1,623 $1,910
State Farm $2,787 $2,787
Travelers $2,043 $2,022
USAA $1,917 $1,926

Cheapest El Dorado, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in El Dorado, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,027
Farmers $5,729
GEICO $3,704
Liberty Mutual $3,037
Nationwide $6,207
Progressive $3,914
State Farm $6,363
Travelers $3,892
USAA $4,471

Cheapest El Dorado, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in El Dorado, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,421 $4,161
Farmers $4,145 $4,992
GEICO $2,484 $2,984
Liberty Mutual $2,659 $3,130
Nationwide $3,633 $4,581
Progressive $2,741 $3,298
State Farm $3,812 $4,100
Travelers $2,777 $3,391
USAA $2,539 $2,979

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The Best Cheap Car Insurance Companies in El Dorado, CA

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

Average Annual Car Insurance Rates by Company in El Dorado, California

Insurance Company Average Annual Rates
Allstate $3,791
Farmers $4,569
GEICO $2,734
Liberty Mutual $2,895
Nationwide $4,107
Progressive $3,020
State Farm $3,956
Travelers $3,084
USAA $2,759

Category Winners: Cheapest Car Insurance in El Dorado, California

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

Best Annual Car Insurance Rates by Company in El Dorado, 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 El Dorado, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in El Dorado, California

Insurance Company Low Medium High
Allstate $3,600 $3,822 $3,951
Farmers $4,258 $4,604 $4,844
GEICO $2,472 $2,762 $2,967
Liberty Mutual $2,716 $2,919 $3,049
Nationwide $3,653 $4,181 $4,486
Progressive $2,629 $3,125 $3,307
State Farm $3,579 $4,020 $4,270
Travelers $2,702 $3,164 $3,385
USAA $2,468 $2,818 $2,991

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What affects car insurance rates in El Dorado, California?

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

Commute Time in El Dorado

The more time you spend in your car the higher the risk of an accident. The average commute length in El Dorado, CA is 37.3 minutes according to City-Data.

Compare Car Insurance Quotes in El Dorado, CA

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

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Average Monthly Car Insurance Rates by State