Compare Mountain Ranch, CA Car Insurance Rates (2021)

Car insurance in Mountain Ranch, CA averages $273 a month. Mountain Ranch, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Mountain Ranch car insurance rates, compare quotes from the top car insurance companies in Mountain Ranch, 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 Mountain Ranch, CA are $3,279/year
  • The cheapest car insurance company in Mountain Ranch for teen drivers is USAA
  • Average car insurance rates in Mountain Ranch, CA after a DUI are $4,604/year

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

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

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

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

How do age, gender, and marital status affect Mountain Ranch, CA car insurance rates? Every Mountain Ranch, 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 Mountain Ranch, 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 $2,546 $2,549 $1,848 $1,871 $6,938 $8,713 $3,258 $3,586
Farmers $2,323 $2,323 $2,089 $2,089 $7,394 $12,140 $2,750 $3,060
GEICO $1,722 $1,724 $1,621 $1,621 $5,191 $5,298 $2,468 $2,536
Liberty Mutual $2,092 $1,994 $1,930 $1,875 $4,588 $4,835 $2,374 $2,381
Nationwide $2,675 $2,564 $2,323 $2,200 $6,606 $7,314 $3,178 $3,158
Progressive $1,645 $1,691 $1,417 $1,672 $4,393 $5,280 $2,388 $2,564
State Farm $3,106 $3,106 $2,774 $2,774 $5,683 $7,049 $3,436 $3,543
Travelers $2,311 $2,245 $2,041 $2,018 $4,667 $5,406 $3,008 $2,945
USAA $1,725 $1,635 $1,684 $1,692 $3,912 $3,930 $2,384 $2,254

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Minimum Car Insurance in Mountain Ranch, CA

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

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

Annual Mountain Ranch, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,360 $3,968 $6,235 $3,091
Farmers $3,157 $4,299 $5,358 $4,270
GEICO $1,943 $2,978 $3,759 $2,410
Liberty Mutual $2,394 $3,211 $2,894 $2,536
Nationwide $2,621 $3,356 $5,675 $3,356
Progressive $1,718 $2,927 $3,406 $2,474
State Farm $2,804 $3,346 $6,329 $3,256
Travelers $2,071 $3,336 $3,896 $3,017
USAA $1,598 $2,372 $3,887 $1,750

Cheapest Mountain Ranch, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Mountain Ranch, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,938 $8,713
Farmers $7,394 $12,140
GEICO $5,191 $5,298
Liberty Mutual $4,588 $4,835
Nationwide $6,606 $7,314
Progressive $4,393 $5,280
State Farm $5,683 $7,049
Travelers $4,667 $5,406
USAA $3,912 $3,930

Cheapest Mountain Ranch, CA Car Insurance for Seniors

Take a look at Mountain Ranch, 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 Mountain Ranch, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,848 $1,871
Farmers $2,089 $2,089
GEICO $1,621 $1,621
Liberty Mutual $1,930 $1,875
Nationwide $2,323 $2,200
Progressive $1,417 $1,672
State Farm $2,774 $2,774
Travelers $2,041 $2,018
USAA $1,684 $1,692

Cheapest Mountain Ranch, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Mountain Ranch, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,235
Farmers $5,358
GEICO $3,759
Liberty Mutual $2,894
Nationwide $5,675
Progressive $3,406
State Farm $6,329
Travelers $3,896
USAA $3,887

Cheapest Mountain Ranch, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Mountain Ranch, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,527 $4,301
Farmers $3,876 $4,666
GEICO $2,519 $3,026
Liberty Mutual $2,532 $2,985
Nationwide $3,321 $4,183
Progressive $2,391 $2,871
State Farm $3,791 $4,077
Travelers $2,772 $3,388
USAA $2,214 $2,591

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The Best Cheap Car Insurance Companies in Mountain Ranch, CA

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

Average Annual Car Insurance Rates by Company in Mountain Ranch, California

Insurance Company Average Annual Rates
Allstate $3,914
Farmers $4,271
GEICO $2,773
Liberty Mutual $2,759
Nationwide $3,752
Progressive $2,631
State Farm $3,934
Travelers $3,080
USAA $2,402

Category Winners: Cheapest Car Insurance in Mountain Ranch, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Mountain Ranch, California

Insurance Company Low Medium High
Allstate $3,685 $3,949 $4,106
Farmers $3,987 $4,302 $4,524
GEICO $2,512 $2,800 $3,006
Liberty Mutual $2,603 $2,778 $2,895
Nationwide $3,399 $3,809 $4,048
Progressive $2,325 $2,713 $2,856
State Farm $3,571 $3,994 $4,236
Travelers $2,742 $3,149 $3,349
USAA $2,183 $2,447 $2,576

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What affects car insurance rates in Mountain Ranch, California?

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

Commute Time in Mountain Ranch

The more time you spend in your car the higher the risk of an accident. The average commute length in Mountain Ranch, CA is 40.3 minutes according to City-Data.

Compare Car Insurance Quotes in Mountain Ranch, CA

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

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