Compare Gilroy, CA Car Insurance Rates (2021)

Car insurance in Gilroy, CA averages $277 a month. Gilroy, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Gilroy car insurance rates, compare quotes from the top car insurance companies in Gilroy, 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

  • The cheapest car insurance company in Gilroy for teen drivers is USAA
  • Average car insurance rates in Gilroy, CA are $3,318/year
  • The cheapest car insurance company in Gilroy is USAA

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

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

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

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

How do age, gender, and marital status affect Gilroy, CA car insurance rates? Every Gilroy, 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 Gilroy, 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 $2,520 $2,521 $1,846 $1,865 $7,031 $8,844 $3,236 $3,557
Farmers $2,545 $2,545 $2,298 $2,298 $8,168 $13,420 $3,021 $3,370
GEICO $1,681 $1,682 $1,581 $1,581 $5,113 $5,205 $2,414 $2,470
Liberty Mutual $2,034 $1,926 $1,895 $1,836 $4,441 $4,727 $2,292 $2,311
Nationwide $2,764 $2,639 $2,420 $2,281 $7,030 $7,748 $3,303 $3,264
Progressive $1,702 $1,753 $1,433 $1,708 $4,515 $5,451 $2,437 $2,622
State Farm $3,013 $3,013 $2,693 $2,693 $5,544 $6,865 $3,338 $3,443
Travelers $2,222 $2,152 $1,972 $1,951 $4,560 $5,223 $2,886 $2,821
USAA $1,721 $1,631 $1,681 $1,689 $3,897 $3,930 $2,389 $2,258

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Minimum Car Insurance in Gilroy, CA

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

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

Annual Gilroy, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,371 $3,992 $6,240 $3,108
Farmers $3,478 $4,739 $5,907 $4,708
GEICO $1,900 $2,929 $3,678 $2,357
Liberty Mutual $2,329 $3,120 $2,815 $2,467
Nationwide $2,748 $3,519 $5,939 $3,519
Progressive $1,776 $3,006 $3,472 $2,557
State Farm $2,729 $3,255 $6,149 $3,168
Travelers $1,996 $3,228 $3,750 $2,920
USAA $1,597 $2,373 $3,880 $1,748

Cheapest Gilroy, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gilroy, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,031 $8,844
Farmers $8,168 $13,420
GEICO $5,113 $5,205
Liberty Mutual $4,441 $4,727
Nationwide $7,030 $7,748
Progressive $4,515 $5,451
State Farm $5,544 $6,865
Travelers $4,560 $5,223
USAA $3,897 $3,930

Cheapest Gilroy, CA Car Insurance for Seniors

Take a look at Gilroy, 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 Gilroy, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,846 $1,865
Farmers $2,298 $2,298
GEICO $1,581 $1,581
Liberty Mutual $1,895 $1,836
Nationwide $2,420 $2,281
Progressive $1,433 $1,708
State Farm $2,693 $2,693
Travelers $1,972 $1,951
USAA $1,681 $1,689

Cheapest Gilroy, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gilroy, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,240
Farmers $5,907
GEICO $3,678
Liberty Mutual $2,815
Nationwide $5,939
Progressive $3,472
State Farm $6,149
Travelers $3,750
USAA $3,880

Cheapest Gilroy, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gilroy, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,549 $4,307
Farmers $4,272 $5,144
GEICO $2,468 $2,965
Liberty Mutual $2,464 $2,901
Nationwide $3,473 $4,389
Progressive $2,450 $2,955
State Farm $3,688 $3,963
Travelers $2,678 $3,268
USAA $2,213 $2,586

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The Best Cheap Car Insurance Companies in Gilroy, CA

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

Average Annual Car Insurance Rates by Company in Gilroy, California

Insurance Company Average Annual Rates
Allstate $3,928
Farmers $4,708
GEICO $2,716
Liberty Mutual $2,683
Nationwide $3,931
Progressive $2,703
State Farm $3,825
Travelers $2,973
USAA $2,400

Category Winners: Cheapest Car Insurance in Gilroy, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Gilroy, California

Insurance Company Low Medium High
Allstate $3,740 $3,959 $4,085
Farmers $4,401 $4,744 $4,980
GEICO $2,488 $2,745 $2,916
Liberty Mutual $2,501 $2,707 $2,840
Nationwide $3,542 $4,001 $4,251
Progressive $2,452 $2,782 $2,874
State Farm $3,477 $3,886 $4,113
Travelers $2,606 $3,052 $3,262
USAA $2,198 $2,442 $2,559

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What affects car insurance rates in Gilroy, California?

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

Car Theft in Gilroy

High levels of vehicle theft can make car insurance more expensive. Gilroy, CA car theft statistics from the FBI indicate 381 vehicle thefts a year.

Commute Time in Gilroy

The more time you spend in your car the higher the risk of an accident. The average commute length in Gilroy, CA is 36.4 minutes according to City-Data.

Compare Car Insurance Quotes in Gilroy, CA

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

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Average Monthly Car Insurance Rates by State