Compare Morro Bay, CA Car Insurance Rates (2021)

Car insurance in Morro Bay, CA averages $234 a month. Morro Bay, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Morro Bay car insurance rates, compare quotes from the top car insurance companies in Morro Bay, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Morro Bay, CA are $2,808/year
  • The cheapest car insurance company in Morro Bay for teen drivers is Progressive
  • Average car insurance rates in Morro Bay, CA after a DUI are $3,946/year

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

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

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

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

How do age, gender, and marital status affect Morro Bay, CA car insurance rates? Every Morro Bay, 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 Morro Bay, 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 $2,182 $2,185 $1,607 $1,623 $6,065 $7,629 $2,800 $3,081
Farmers $1,718 $1,718 $1,556 $1,556 $5,452 $8,885 $2,034 $2,264
GEICO $1,612 $1,613 $1,516 $1,516 $4,907 $4,995 $2,316 $2,369
Liberty Mutual $1,835 $1,738 $1,703 $1,650 $3,934 $4,196 $2,065 $2,086
Nationwide $2,369 $2,262 $2,080 $1,962 $5,989 $6,602 $2,820 $2,785
Progressive $1,331 $1,367 $1,156 $1,358 $3,553 $4,257 $1,926 $2,067
State Farm $2,423 $2,423 $2,166 $2,166 $4,444 $5,511 $2,680 $2,764
Travelers $2,038 $1,978 $1,810 $1,790 $4,115 $4,730 $2,636 $2,581
USAA $1,760 $1,667 $1,718 $1,724 $4,015 $4,028 $2,426 $2,292

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Minimum Car Insurance in Morro Bay, CA

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

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

Annual Morro Bay, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,058 $3,453 $5,383 $2,692
Farmers $2,332 $3,171 $3,943 $3,146
GEICO $1,822 $2,812 $3,528 $2,260
Liberty Mutual $2,083 $2,792 $2,521 $2,208
Nationwide $2,352 $3,009 $5,065 $3,009
Progressive $1,392 $2,367 $2,749 $2,000
State Farm $2,191 $2,614 $4,941 $2,543
Travelers $1,835 $2,932 $3,413 $2,659
USAA $1,632 $2,426 $3,969 $1,787

Cheapest Morro Bay, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Morro Bay, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,065 $7,629
Farmers $5,452 $8,885
GEICO $4,907 $4,995
Liberty Mutual $3,934 $4,196
Nationwide $5,989 $6,602
Progressive $3,553 $4,257
State Farm $4,444 $5,511
Travelers $4,115 $4,730
USAA $4,015 $4,028

Cheapest Morro Bay, CA Car Insurance for Seniors

Take a look at Morro Bay, 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 Morro Bay, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,607 $1,623
Farmers $1,556 $1,556
GEICO $1,516 $1,516
Liberty Mutual $1,703 $1,650
Nationwide $2,080 $1,962
Progressive $1,156 $1,358
State Farm $2,166 $2,166
Travelers $1,810 $1,790
USAA $1,718 $1,724

Cheapest Morro Bay, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Morro Bay, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,383
Farmers $3,943
GEICO $3,528
Liberty Mutual $2,521
Nationwide $5,065
Progressive $2,749
State Farm $4,941
Travelers $3,413
USAA $3,969

Cheapest Morro Bay, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Morro Bay, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,072 $3,721
Farmers $2,856 $3,440
GEICO $2,367 $2,844
Liberty Mutual $2,205 $2,596
Nationwide $2,970 $3,747
Progressive $1,934 $2,319
State Farm $2,960 $3,184
Travelers $2,444 $2,976
USAA $2,261 $2,647

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The Best Cheap Car Insurance Companies in Morro Bay, CA

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

Average Annual Car Insurance Rates by Company in Morro Bay, California

Insurance Company Average Annual Rates
Allstate $3,396
Farmers $3,148
GEICO $2,606
Liberty Mutual $2,401
Nationwide $3,359
Progressive $2,127
State Farm $3,072
Travelers $2,710
USAA $2,454

Category Winners: Cheapest Car Insurance in Morro Bay, California

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

Best Annual Car Insurance Rates by Company in Morro Bay, California

Category Insurance Company
Teenagers Progressive
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Morro Bay, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Morro Bay, California

Insurance Company Low Medium High
Allstate $3,244 $3,422 $3,524
Farmers $2,916 $3,174 $3,354
GEICO $2,372 $2,635 $2,810
Liberty Mutual $2,234 $2,422 $2,547
Nationwide $3,024 $3,417 $3,634
Progressive $1,867 $2,196 $2,318
State Farm $2,783 $3,118 $3,316
Travelers $2,395 $2,777 $2,957
USAA $2,215 $2,503 $2,643

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What affects car insurance rates in Morro Bay, California?

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

Car Theft in Morro Bay

High levels of vehicle theft can make car insurance more expensive. Morro Bay, CA car theft statistics from the FBI indicate 6 vehicle thefts a year.

Commute Time in Morro Bay

The more time you spend in your car the higher the risk of an accident. The average commute length in Morro Bay, CA is 22.9 minutes according to City-Data.

Compare Car Insurance Quotes in Morro Bay, CA

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