Compare Los Gatos, CA Car Insurance Rates (2021)

Car insurance in Los Gatos, CA averages $284 a month. Los Gatos, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Los Gatos car insurance rates, compare quotes from the top car insurance companies in Los Gatos, 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 Gatos, CA are $3,412/year
  • The cheapest ZIP code in Los Gatos is 95030
  • The cheapest car insurance company in Los Gatos for teen drivers is USAA

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

You’ll find Los Gatos car insurance rates, the cheapest Los Gatos, CA car insurance companies, and information on California car insurance laws. You can also compare Los Gatos, California car insurance rates to Anaheim car insurance rates, Long Beach car insurance rates, and Fresno car insurance rates.

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

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

How do age, gender, and marital status affect Los Gatos, CA car insurance rates? Every Los Gatos, 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 Gatos, 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 $2,615 $2,612 $1,926 $1,936 $7,381 $9,283 $3,336 $3,644
Farmers $2,422 $2,422 $2,193 $2,193 $7,824 $12,861 $2,882 $3,219
GEICO $1,599 $1,600 $1,504 $1,504 $4,880 $4,960 $2,298 $2,346
Liberty Mutual $2,074 $1,960 $1,939 $1,879 $4,570 $4,868 $2,334 $2,352
Nationwide $3,145 $3,000 $2,745 $2,585 $8,089 $8,896 $3,777 $3,733
Progressive $1,824 $1,877 $1,539 $1,831 $4,870 $5,859 $2,608 $2,801
State Farm $2,957 $2,957 $2,644 $2,644 $5,468 $6,776 $3,276 $3,379
Travelers $2,291 $2,214 $2,034 $2,013 $4,771 $5,418 $2,969 $2,906
USAA $1,821 $1,724 $1,778 $1,785 $4,132 $4,172 $2,530 $2,390

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Minimum Car Insurance in Los Gatos, CA

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

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

Annual Los Gatos, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,476 $4,149 $6,499 $3,244
Farmers $3,326 $4,531 $5,647 $4,503
GEICO $1,808 $2,794 $3,500 $2,242
Liberty Mutual $2,385 $3,194 $2,882 $2,527
Nationwide $3,140 $4,021 $6,802 $4,021
Progressive $1,906 $3,234 $3,715 $2,750
State Farm $2,687 $3,203 $6,044 $3,117
Travelers $2,061 $3,340 $3,879 $3,028
USAA $1,690 $2,516 $4,108 $1,851

Cheapest Los Gatos, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,381 $9,283
Farmers $7,824 $12,861
GEICO $4,880 $4,960
Liberty Mutual $4,570 $4,868
Nationwide $8,089 $8,896
Progressive $4,870 $5,859
State Farm $5,468 $6,776
Travelers $4,771 $5,418
USAA $4,132 $4,172

Cheapest Los Gatos, CA Car Insurance for Seniors

Take a look at Los Gatos, 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 Gatos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,926 $1,936
Farmers $2,193 $2,193
GEICO $1,504 $1,504
Liberty Mutual $1,939 $1,879
Nationwide $2,745 $2,585
Progressive $1,539 $1,831
State Farm $2,644 $2,644
Travelers $2,034 $2,013
USAA $1,778 $1,785

Cheapest Los Gatos, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,499
Farmers $5,647
GEICO $3,500
Liberty Mutual $2,882
Nationwide $6,802
Progressive $3,715
State Farm $6,044
Travelers $3,879
USAA $4,108

Cheapest Los Gatos, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Los Gatos, 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 Gatos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,696 $4,488
Farmers $4,085 $4,919
GEICO $2,349 $2,823
Liberty Mutual $2,525 $2,969
Nationwide $3,968 $5,024
Progressive $2,625 $3,178
State Farm $3,627 $3,898
Travelers $2,770 $3,384
USAA $2,345 $2,738

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Cheapest Los Gatos, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
95030 $4,651
95032 $4,695
95033 $4,922

The Best Cheap Car Insurance Companies in Los Gatos, CA

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

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

Insurance Company Average Annual Rates
Allstate $4,092
Farmers $4,502
GEICO $2,586
Liberty Mutual $2,747
Nationwide $4,496
Progressive $2,901
State Farm $3,763
Travelers $3,077
USAA $2,541

Category Winners: Cheapest Car Insurance in Los Gatos, California

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

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

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

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

Insurance Company Low Medium High
Allstate $3,891 $4,125 $4,259
Farmers $4,211 $4,538 $4,756
GEICO $2,376 $2,615 $2,768
Liberty Mutual $2,559 $2,774 $2,908
Nationwide $4,084 $4,578 $4,827
Progressive $2,614 $2,996 $3,093
State Farm $3,394 $3,828 $4,065
Travelers $2,670 $3,170 $3,391
USAA $2,327 $2,587 $2,710

What affects car insurance rates in Los Gatos, California?

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

Car Theft in Los Gatos

High levels of vehicle theft can make car insurance more expensive. Los Gatos, CA car theft statistics from the FBI indicate 41 vehicle thefts a year.

Commute Time in Los Gatos

The more time you spend in your car the higher the risk of an accident. The average commute length in Los Gatos, CA is 30.8 minutes according to City-Data.

Compare Car Insurance Quotes in Los Gatos, CA

Ready to find affordable Los Gatos, California car insurance today? Enter your ZIP code for fast, free Los Gatos, 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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