Compare Montara, CA Car Insurance Rates (2021)

Car insurance in Montara, CA averages $298 a month. Montara, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Montara car insurance rates, compare quotes from the top car insurance companies in Montara, 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 Montara, CA are $3,573/year
  • The cheapest car insurance company in Montara is USAA
  • The cheapest car insurance company in Montara for teen drivers is USAA

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

You’ll find Montara car insurance rates, the cheapest Montara, CA car insurance companies, and information on California car insurance laws. You can also compare Montara, California car insurance rates to Long Beach car insurance rates, Oakland car insurance rates, and San Francisco car insurance rates.

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

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

How do age, gender, and marital status affect Montara, CA car insurance rates? Every Montara, 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 Montara, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,595 $2,595 $2,350 $2,350 $8,357 $13,704 $3,085 $3,444
GEICO $1,697 $1,698 $1,596 $1,596 $5,165 $5,254 $2,438 $2,492
Liberty Mutual $2,325 $2,209 $2,165 $2,099 $5,190 $5,484 $2,634 $2,641
Nationwide $2,944 $2,810 $2,580 $2,431 $7,498 $8,270 $3,519 $3,475
Progressive $1,682 $1,730 $1,434 $1,698 $4,498 $5,403 $2,418 $2,596
State Farm $3,215 $3,215 $2,873 $2,873 $5,943 $7,374 $3,561 $3,672
Travelers $2,493 $2,412 $2,206 $2,182 $5,188 $5,920 $3,243 $3,174
USAA $1,807 $1,714 $1,759 $1,769 $4,126 $4,163 $2,508 $2,373

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Minimum Car Insurance in Montara, CA

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

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

Annual Montara, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $3,556 $4,843 $6,032 $4,811
GEICO $1,916 $2,963 $3,712 $2,377
Liberty Mutual $2,686 $3,599 $3,243 $2,845
Nationwide $2,927 $3,750 $6,335 $3,750
Progressive $1,759 $2,989 $3,448 $2,535
State Farm $2,921 $3,482 $6,571 $3,389
Travelers $2,235 $3,643 $4,236 $3,294
USAA $1,680 $2,503 $4,086 $1,840

Cheapest Montara, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montara, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $8,357 $13,704
GEICO $5,165 $5,254
Liberty Mutual $5,190 $5,484
Nationwide $7,498 $8,270
Progressive $4,498 $5,403
State Farm $5,943 $7,374
Travelers $5,188 $5,920
USAA $4,126 $4,163

Cheapest Montara, CA Car Insurance for Seniors

Take a look at Montara, 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 Montara, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $2,350 $2,350
GEICO $1,596 $1,596
Liberty Mutual $2,165 $2,099
Nationwide $2,580 $2,431
Progressive $1,434 $1,698
State Farm $2,873 $2,873
Travelers $2,206 $2,182
USAA $1,759 $1,769

Cheapest Montara, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montara, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,445
Farmers $6,032
GEICO $3,712
Liberty Mutual $3,243
Nationwide $6,335
Progressive $3,448
State Farm $6,571
Travelers $4,236
USAA $4,086

Cheapest Montara, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montara, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $4,364 $5,256
GEICO $2,491 $2,993
Liberty Mutual $2,842 $3,345
Nationwide $3,703 $4,678
Progressive $2,431 $2,934
State Farm $3,942 $4,239
Travelers $3,015 $3,690
USAA $2,331 $2,724

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The Best Cheap Car Insurance Companies in Montara, CA

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

Average Annual Car Insurance Rates by Company in Montara, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $4,810
GEICO $2,742
Liberty Mutual $3,093
Nationwide $4,191
Progressive $2,682
State Farm $4,091
Travelers $3,352
USAA $2,527

Category Winners: Cheapest Car Insurance in Montara, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Montara, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $4,487 $4,849 $5,094
GEICO $2,470 $2,772 $2,983
Liberty Mutual $2,908 $3,120 $3,252
Nationwide $3,775 $4,268 $4,529
Progressive $2,393 $2,770 $2,884
State Farm $3,677 $4,166 $4,429
Travelers $2,920 $3,447 $3,689
USAA $2,308 $2,573 $2,701

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What affects car insurance rates in Montara, California?

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

Commute Time in Montara

The more time you spend in your car the higher the risk of an accident. The average commute length in Montara, CA is 39.3 minutes according to City-Data.

Compare Car Insurance Quotes in Montara, CA

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

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