Compare Los Altos, CA Car Insurance Rates (2021)

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

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Los Altos, CA after a DUI are $4,667/year
  • Average car insurance rates in Los Altos, CA are $3,327/year
  • The cheapest car insurance company in Los Altos for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Los Altos, CA car insurance rates? Every Los Altos, 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 Los Altos, 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 $2,586 $2,584 $1,905 $1,916 $7,322 $9,213 $3,300 $3,609
Farmers $2,265 $2,265 $2,056 $2,056 $7,320 $12,004 $2,696 $3,013
GEICO $1,655 $1,656 $1,556 $1,556 $5,047 $5,127 $2,378 $2,427
Liberty Mutual $2,081 $1,971 $1,943 $1,883 $4,596 $4,884 $2,346 $2,360
Nationwide $2,990 $2,852 $2,607 $2,456 $7,695 $8,455 $3,589 $3,549
Progressive $1,740 $1,790 $1,482 $1,757 $4,667 $5,610 $2,503 $2,689
State Farm $2,889 $2,889 $2,583 $2,583 $5,351 $6,639 $3,201 $3,300
Travelers $2,274 $2,198 $2,020 $1,999 $4,727 $5,385 $2,952 $2,886
USAA $1,763 $1,669 $1,721 $1,727 $4,008 $4,040 $2,444 $2,308

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Minimum Car Insurance in Los Altos, CA

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

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

Annual Los Altos, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,454 $4,111 $6,437 $3,215
Farmers $3,112 $4,238 $5,277 $4,210
GEICO $1,870 $2,891 $3,621 $2,319
Liberty Mutual $2,395 $3,207 $2,893 $2,537
Nationwide $2,987 $3,823 $6,463 $3,823
Progressive $1,821 $3,098 $3,575 $2,626
State Farm $2,628 $3,132 $5,909 $3,048
Travelers $2,046 $3,317 $3,853 $3,005
USAA $1,636 $2,435 $3,977 $1,792

Cheapest Los Altos, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Los Altos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,322 $9,213
Farmers $7,320 $12,004
GEICO $5,047 $5,127
Liberty Mutual $4,596 $4,884
Nationwide $7,695 $8,455
Progressive $4,667 $5,610
State Farm $5,351 $6,639
Travelers $4,727 $5,385
USAA $4,008 $4,040

Cheapest Los Altos, CA Car Insurance for Seniors

Take a look at Los Altos, 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 Los Altos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,905 $1,916
Farmers $2,056 $2,056
GEICO $1,556 $1,556
Liberty Mutual $1,943 $1,883
Nationwide $2,607 $2,456
Progressive $1,482 $1,757
State Farm $2,583 $2,583
Travelers $2,020 $1,999
USAA $1,721 $1,727

Cheapest Los Altos, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Los Altos, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,437
Farmers $5,277
GEICO $3,621
Liberty Mutual $2,893
Nationwide $6,463
Progressive $3,575
State Farm $5,909
Travelers $3,853
USAA $3,977

Cheapest Los Altos, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Los Altos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,663 $4,446
Farmers $3,819 $4,599
GEICO $2,430 $2,921
Liberty Mutual $2,535 $2,981
Nationwide $3,771 $4,777
Progressive $2,519 $3,041
State Farm $3,546 $3,813
Travelers $2,751 $3,360
USAA $2,269 $2,651

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Cheapest Los Altos, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Los Altos, California

ZIP Code Average Annual Rates
94022 $4,552
94024 $4,559

The Best Cheap Car Insurance Companies in Los Altos, CA

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

Average Annual Car Insurance Rates by Company in Los Altos, California

Insurance Company Average Annual Rates
Allstate $4,054
Farmers $4,209
GEICO $2,675
Liberty Mutual $2,758
Nationwide $4,274
Progressive $2,780
State Farm $3,679
Travelers $3,055
USAA $2,460

Category Winners: Cheapest Car Insurance in Los Altos, California

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

Best Annual Car Insurance Rates by Company in Los Altos, 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

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Cheapest Los Altos, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Los Altos, California

Insurance Company Low Medium High
Allstate $3,860 $4,087 $4,216
Farmers $3,928 $4,245 $4,455
GEICO $2,437 $2,707 $2,882
Liberty Mutual $2,578 $2,784 $2,912
Nationwide $3,892 $4,350 $4,580
Progressive $2,482 $2,871 $2,987
State Farm $3,301 $3,747 $3,990
Travelers $2,660 $3,145 $3,361
USAA $2,244 $2,505 $2,631

What affects car insurance rates in Los Altos, California?

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

Car Theft in Los Altos

High levels of vehicle theft can make car insurance more expensive. Los Altos, CA car theft statistics from the FBI indicate 16 vehicle thefts a year.

Commute Time in Los Altos

The more time you spend in your car the higher the risk of an accident. The average commute length in Los Altos, CA is 27.6 minutes according to City-Data.

Compare Car Insurance Quotes in Los Altos, CA

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

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