Compare Empire, CA Car Insurance Rates (2021)

Car insurance in Empire, CA averages $318 a month. Empire, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Empire car insurance rates, compare quotes from the top car insurance companies in Empire, 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 Empire, CA are $3,818/year
  • Average car insurance rates in Empire, CA after a DUI are $5,379/year
  • The cheapest car insurance company in Empire is USAA

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

You’ll find Empire car insurance rates, the cheapest Empire, CA car insurance companies, and information on California car insurance laws. You can also compare Empire, California car insurance rates to Oakland car insurance rates, Los Angeles car insurance rates, and San Diego car insurance rates.

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

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

How do age, gender, and marital status affect Empire, CA car insurance rates? Every Empire, 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 Empire, 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 $2,975 $2,977 $2,163 $2,184 $8,219 $10,337 $3,803 $4,178
Farmers $2,858 $2,858 $2,577 $2,577 $9,104 $14,902 $3,385 $3,768
GEICO $1,784 $1,785 $1,679 $1,679 $5,399 $5,486 $2,558 $2,615
Liberty Mutual $2,286 $2,164 $2,122 $2,055 $4,949 $5,277 $2,575 $2,601
Nationwide $3,272 $3,124 $2,866 $2,702 $8,293 $9,167 $3,902 $3,854
Progressive $1,766 $1,817 $1,508 $1,787 $4,726 $5,687 $2,552 $2,742
State Farm $3,952 $3,952 $3,530 $3,530 $7,273 $9,020 $4,376 $4,511
Travelers $2,601 $2,518 $2,298 $2,273 $5,396 $6,200 $3,399 $3,322
USAA $1,886 $1,789 $1,837 $1,846 $4,311 $4,332 $2,605 $2,464

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Minimum Car Insurance in Empire, CA

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

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

Annual Empire, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,773 $4,665 $7,342 $3,639
Farmers $3,886 $5,290 $6,587 $5,252
GEICO $2,010 $3,095 $3,892 $2,494
Liberty Mutual $2,606 $3,493 $3,153 $2,762
Nationwide $3,241 $4,158 $7,034 $4,158
Progressive $1,846 $3,142 $3,644 $2,660
State Farm $3,580 $4,270 $8,066 $4,155
Travelers $2,329 $3,805 $4,433 $3,436
USAA $1,750 $2,605 $4,263 $1,917

Cheapest Empire, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Empire, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,219 $10,337
Farmers $9,104 $14,902
GEICO $5,399 $5,486
Liberty Mutual $4,949 $5,277
Nationwide $8,293 $9,167
Progressive $4,726 $5,687
State Farm $7,273 $9,020
Travelers $5,396 $6,200
USAA $4,311 $4,332

Cheapest Empire, CA Car Insurance for Seniors

Take a look at Empire, 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 Empire, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,163 $2,184
Farmers $2,577 $2,577
GEICO $1,679 $1,679
Liberty Mutual $2,122 $2,055
Nationwide $2,866 $2,702
Progressive $1,508 $1,787
State Farm $3,530 $3,530
Travelers $2,298 $2,273
USAA $1,837 $1,846

Cheapest Empire, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Empire, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,342
Farmers $6,587
GEICO $3,892
Liberty Mutual $3,153
Nationwide $7,034
Progressive $3,644
State Farm $8,066
Travelers $4,433
USAA $4,263

Cheapest Empire, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Empire, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,147 $5,061
Farmers $4,766 $5,741
GEICO $2,610 $3,136
Liberty Mutual $2,757 $3,250
Nationwide $4,106 $5,189
Progressive $2,561 $3,085
State Farm $4,836 $5,200
Travelers $3,146 $3,856
USAA $2,427 $2,841

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The Best Cheap Car Insurance Companies in Empire, CA

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

Average Annual Car Insurance Rates by Company in Empire, California

Insurance Company Average Annual Rates
Allstate $4,604
Farmers $5,254
GEICO $2,873
Liberty Mutual $3,004
Nationwide $4,648
Progressive $2,823
State Farm $5,018
Travelers $3,501
USAA $2,634

Category Winners: Cheapest Car Insurance in Empire, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Empire, California

Insurance Company Low Medium High
Allstate $4,343 $4,646 $4,824
Farmers $4,887 $5,295 $5,580
GEICO $2,582 $2,909 $3,128
Liberty Mutual $2,799 $3,029 $3,182
Nationwide $4,161 $4,731 $5,051
Progressive $2,515 $2,911 $3,043
State Farm $4,534 $5,104 $5,415
Travelers $3,074 $3,592 $3,836
USAA $2,383 $2,686 $2,833

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What affects car insurance rates in Empire, California?

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

Commute Time in Empire

The more time you spend in your car the higher the risk of an accident. The average commute length in Empire, CA is 25.3 minutes according to City-Data.

Compare Car Insurance Quotes in Empire, CA

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

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Average Monthly Car Insurance Rates by State