Compare Montrose, CA Car Insurance Rates (2021)

Car insurance in Montrose, CA averages $391 a month. Montrose, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Montrose car insurance rates, compare quotes from the top car insurance companies in Montrose, 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

  • The cheapest car insurance company in Montrose for teen drivers is USAA
  • The cheapest car insurance company in Montrose is GEICO
  • Average car insurance rates in Montrose, CA are $4,696/year

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

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

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

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

How do age, gender, and marital status affect Montrose, CA car insurance rates? Every Montrose, 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 Montrose, 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 $3,836 $3,831 $2,787 $2,809 $10,794 $13,579 $4,915 $5,383
Farmers $3,419 $3,419 $3,108 $3,108 $10,957 $17,845 $4,059 $4,529
GEICO $2,061 $2,061 $1,937 $1,937 $6,274 $6,372 $2,962 $3,021
Liberty Mutual $2,838 $2,665 $2,661 $2,566 $6,144 $6,609 $3,178 $3,235
Nationwide $4,566 $4,346 $4,035 $3,789 $11,792 $13,049 $5,445 $5,348
Progressive $2,466 $2,538 $2,147 $2,532 $6,817 $8,182 $3,629 $3,903
State Farm $3,530 $3,530 $3,156 $3,156 $6,542 $8,118 $3,911 $4,032
Travelers $3,254 $3,140 $2,870 $2,839 $6,940 $7,920 $4,288 $4,171
USAA $2,431 $2,297 $2,369 $2,372 $5,644 $5,650 $3,347 $3,158

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Minimum Car Insurance in Montrose, CA

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

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

Annual Montrose, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,592 $6,080 $9,568 $4,727
Farmers $4,668 $6,352 $7,897 $6,304
GEICO $2,323 $3,602 $4,505 $2,882
Liberty Mutual $3,245 $4,341 $3,923 $3,438
Nationwide $4,555 $5,855 $9,921 $5,855
Progressive $2,606 $4,492 $5,242 $3,767
State Farm $3,212 $3,829 $7,222 $3,726
Travelers $2,891 $4,854 $5,616 $4,349
USAA $2,257 $3,376 $5,525 $2,475

Cheapest Montrose, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montrose, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,794 $13,579
Farmers $10,957 $17,845
GEICO $6,274 $6,372
Liberty Mutual $6,144 $6,609
Nationwide $11,792 $13,049
Progressive $6,817 $8,182
State Farm $6,542 $8,118
Travelers $6,940 $7,920
USAA $5,644 $5,650

Cheapest Montrose, CA Car Insurance for Seniors

Take a look at Montrose, 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 Montrose, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,787 $2,809
Farmers $3,108 $3,108
GEICO $1,937 $1,937
Liberty Mutual $2,661 $2,566
Nationwide $4,035 $3,789
Progressive $2,147 $2,532
State Farm $3,156 $3,156
Travelers $2,870 $2,839
USAA $2,369 $2,372

Cheapest Montrose, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montrose, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,568
Farmers $7,897
GEICO $4,505
Liberty Mutual $3,923
Nationwide $9,921
Progressive $5,242
State Farm $7,222
Travelers $5,616
USAA $5,525

Cheapest Montrose, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montrose, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,399 $6,585
Farmers $5,719 $6,892
GEICO $3,023 $3,633
Liberty Mutual $3,424 $4,050
Nationwide $5,770 $7,322
Progressive $3,655 $4,399
State Farm $4,334 $4,661
Travelers $3,973 $4,882
USAA $3,137 $3,680

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The Best Cheap Car Insurance Companies in Montrose, CA

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

Average Annual Car Insurance Rates by Company in Montrose, California

Insurance Company Average Annual Rates
Allstate $5,992
Farmers $6,305
GEICO $3,328
Liberty Mutual $3,737
Nationwide $6,546
Progressive $4,027
State Farm $4,497
Travelers $4,428
USAA $3,409

Category Winners: Cheapest Car Insurance in Montrose, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Montrose, California

Insurance Company Low Medium High
Allstate $5,663 $6,044 $6,268
Farmers $5,833 $6,361 $6,722
GEICO $2,938 $3,370 $3,676
Liberty Mutual $3,445 $3,770 $3,996
Nationwide $5,770 $6,674 $7,195
Progressive $3,494 $4,165 $4,421
State Farm $4,030 $4,581 $4,881
Travelers $3,815 $4,550 $4,918
USAA $3,033 $3,486 $3,706

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What affects car insurance rates in Montrose, California?

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

Car Theft in Montrose

High levels of vehicle theft can make car insurance more expensive. Montrose, CA car theft statistics from the FBI indicate 55 vehicle thefts a year.

Commute Time in Montrose

The more time you spend in your car the higher the risk of an accident. The average commute length in Montrose, CA is 33.0 minutes according to City-Data.

Compare Car Insurance Quotes in Montrose, CA

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