Compare Live Oak, CA Car Insurance Rates (2021)

Car insurance in Live Oak, CA averages $266 a month. Live Oak, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Live Oak car insurance rates, compare quotes from the top car insurance companies in Live Oak, 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 Live Oak, CA are $3,198/year
  • Average car insurance rates in Live Oak, CA after a DUI are $4,480/year
  • The cheapest car insurance company in Live Oak for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Live Oak, CA car insurance rates? Every Live Oak, 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 Live Oak, 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 $2,407 $2,410 $1,765 $1,782 $6,688 $8,412 $3,078 $3,382
Farmers $2,296 $2,296 $2,071 $2,071 $7,339 $12,041 $2,723 $3,033
GEICO $1,618 $1,619 $1,523 $1,523 $4,903 $4,986 $2,321 $2,374
Liberty Mutual $2,126 $2,016 $1,976 $1,916 $4,655 $4,943 $2,400 $2,416
Nationwide $2,852 $2,722 $2,504 $2,361 $7,234 $7,988 $3,403 $3,357
Progressive $1,492 $1,534 $1,275 $1,508 $3,967 $4,765 $2,143 $2,300
State Farm $2,790 $2,790 $2,493 $2,493 $5,122 $6,351 $3,088 $3,185
Travelers $2,211 $2,142 $1,958 $1,938 $4,522 $5,166 $2,861 $2,802
USAA $1,777 $1,684 $1,734 $1,741 $4,041 $4,061 $2,452 $2,318

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Minimum Car Insurance in Live Oak, CA

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

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

Annual Live Oak, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,264 $3,794 $5,941 $2,964
Farmers $3,130 $4,262 $5,310 $4,233
GEICO $1,825 $2,812 $3,533 $2,264
Liberty Mutual $2,435 $3,264 $2,944 $2,580
Nationwide $2,831 $3,628 $6,124 $3,628
Progressive $1,558 $2,642 $3,051 $2,242
State Farm $2,524 $3,011 $5,691 $2,930
Travelers $1,985 $3,200 $3,718 $2,897
USAA $1,647 $2,449 $4,005 $1,803

Cheapest Live Oak, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Live Oak, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,688 $8,412
Farmers $7,339 $12,041
GEICO $4,903 $4,986
Liberty Mutual $4,655 $4,943
Nationwide $7,234 $7,988
Progressive $3,967 $4,765
State Farm $5,122 $6,351
Travelers $4,522 $5,166
USAA $4,041 $4,061

Cheapest Live Oak, CA Car Insurance for Seniors

Take a look at Live Oak, 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 Live Oak, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,765 $1,782
Farmers $2,071 $2,071
GEICO $1,523 $1,523
Liberty Mutual $1,976 $1,916
Nationwide $2,504 $2,361
Progressive $1,275 $1,508
State Farm $2,493 $2,493
Travelers $1,958 $1,938
USAA $1,734 $1,741

Cheapest Live Oak, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Live Oak, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,941
Farmers $5,310
GEICO $3,533
Liberty Mutual $2,944
Nationwide $6,124
Progressive $3,051
State Farm $5,691
Travelers $3,718
USAA $4,005

Cheapest Live Oak, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Live Oak, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,377 $4,104
Farmers $3,842 $4,626
GEICO $2,370 $2,847
Liberty Mutual $2,578 $3,034
Nationwide $3,583 $4,523
Progressive $2,153 $2,593
State Farm $3,411 $3,667
Travelers $2,658 $3,242
USAA $2,282 $2,670

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Cheapest Live Oak, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Live Oak, California

ZIP Code Average Annual Rates
95062 $4,180
95065 $4,156
95953 $4,771

The Best Cheap Car Insurance Companies in Live Oak, CA

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

Average Annual Car Insurance Rates by Company in Live Oak, California

Insurance Company Average Annual Rates
Allstate $3,741
Farmers $4,234
GEICO $2,608
Liberty Mutual $2,806
Nationwide $4,053
Progressive $2,373
State Farm $3,539
Travelers $2,950
USAA $2,476

Category Winners: Cheapest Car Insurance in Live Oak, California

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

Best Annual Car Insurance Rates by Company in Live Oak, California

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

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Cheapest Live Oak, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Live Oak, California

Insurance Company Low Medium High
Allstate $3,551 $3,772 $3,898
Farmers $3,950 $4,266 $4,485
GEICO $2,353 $2,639 $2,834
Liberty Mutual $2,624 $2,830 $2,964
Nationwide $3,627 $4,128 $4,403
Progressive $2,117 $2,449 $2,553
State Farm $3,208 $3,595 $3,814
Travelers $2,581 $3,029 $3,239
USAA $2,241 $2,525 $2,662

What affects car insurance rates in Live Oak, California?

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

Commute Time in Live Oak

The more time you spend in your car the higher the risk of an accident. The average commute length in Live Oak, CA is 26.4 minutes according to City-Data.

Compare Car Insurance Quotes in Live Oak, CA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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