Compare Montecito, CA Car Insurance Rates (2021)

Car insurance in Montecito, CA averages $281 a month. Montecito, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Montecito car insurance rates, compare quotes from the top car insurance companies in Montecito, 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 Montecito, CA are $3,377/year
  • The cheapest car insurance company in Montecito is GEICO
  • Average car insurance rates in Montecito, CA after a DUI are $4,754/year

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

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

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

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

How do age, gender, and marital status affect Montecito, CA car insurance rates? Every Montecito, 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 Montecito, 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 $2,551 $2,546 $1,868 $1,879 $7,097 $8,903 $3,241 $3,534
Farmers $2,077 $2,077 $1,891 $1,891 $6,661 $10,857 $2,467 $2,755
GEICO $1,612 $1,613 $1,516 $1,516 $4,907 $4,995 $2,316 $2,369
Liberty Mutual $2,046 $1,931 $1,915 $1,853 $4,468 $4,774 $2,297 $2,323
Nationwide $3,083 $2,941 $2,696 $2,540 $7,877 $8,681 $3,680 $3,637
Progressive $1,981 $2,039 $1,686 $2,002 $5,333 $6,419 $2,861 $3,075
State Farm $3,067 $3,067 $2,743 $2,743 $5,686 $7,054 $3,398 $3,504
Travelers $2,298 $2,221 $2,040 $2,019 $4,778 $5,435 $2,985 $2,914
USAA $1,961 $1,858 $1,914 $1,921 $4,474 $4,506 $2,720 $2,570

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Minimum Car Insurance in Montecito, CA

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

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

Annual Montecito, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,391 $4,001 $6,288 $3,128
Farmers $2,838 $3,863 $4,803 $3,834
GEICO $1,822 $2,812 $3,528 $2,260
Liberty Mutual $2,345 $3,140 $2,835 $2,484
Nationwide $3,067 $3,929 $6,643 $3,929
Progressive $2,075 $3,537 $4,092 $2,994
State Farm $2,791 $3,327 $6,274 $3,238
Travelers $2,060 $3,361 $3,889 $3,034
USAA $1,820 $2,711 $4,436 $1,994

Cheapest Montecito, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montecito, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,097 $8,903
Farmers $6,661 $10,857
GEICO $4,907 $4,995
Liberty Mutual $4,468 $4,774
Nationwide $7,877 $8,681
Progressive $5,333 $6,419
State Farm $5,686 $7,054
Travelers $4,778 $5,435
USAA $4,474 $4,506

Cheapest Montecito, CA Car Insurance for Seniors

Take a look at Montecito, 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 Montecito, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,868 $1,879
Farmers $1,891 $1,891
GEICO $1,516 $1,516
Liberty Mutual $1,915 $1,853
Nationwide $2,696 $2,540
Progressive $1,686 $2,002
State Farm $2,743 $2,743
Travelers $2,040 $2,019
USAA $1,914 $1,921

Cheapest Montecito, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montecito, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,288
Farmers $4,803
GEICO $3,528
Liberty Mutual $2,835
Nationwide $6,643
Progressive $4,092
State Farm $6,274
Travelers $3,889
USAA $4,436

Cheapest Montecito, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montecito, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,564 $4,340
Farmers $3,478 $4,190
GEICO $2,367 $2,844
Liberty Mutual $2,482 $2,920
Nationwide $3,875 $4,909
Progressive $2,877 $3,472
State Farm $3,766 $4,050
Travelers $2,780 $3,392
USAA $2,526 $2,955

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The Best Cheap Car Insurance Companies in Montecito, CA

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

Average Annual Car Insurance Rates by Company in Montecito, California

Insurance Company Average Annual Rates
Allstate $3,952
Farmers $3,834
GEICO $2,606
Liberty Mutual $2,701
Nationwide $4,392
Progressive $3,175
State Farm $3,908
Travelers $3,086
USAA $2,741

Category Winners: Cheapest Car Insurance in Montecito, California

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

Best Annual Car Insurance Rates by Company in Montecito, 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

Cheapest Montecito, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Montecito, California

Insurance Company Low Medium High
Allstate $3,724 $3,989 $4,144
Farmers $3,554 $3,868 $4,081
GEICO $2,372 $2,635 $2,810
Liberty Mutual $2,507 $2,727 $2,869
Nationwide $3,957 $4,466 $4,753
Progressive $2,833 $3,276 $3,414
State Farm $3,504 $3,980 $4,239
Travelers $2,673 $3,174 $3,411
USAA $2,494 $2,792 $2,936

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What affects car insurance rates in Montecito, California?

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

Commute Time in Montecito

The more time you spend in your car the higher the risk of an accident. The average commute length in Montecito, CA is 20.0 minutes according to City-Data.

Compare Car Insurance Quotes in Montecito, CA

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

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

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