Compare Occidental, CA Car Insurance Rates (2021)

Car insurance in Occidental, CA averages $296 a month. Occidental, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Occidental car insurance rates, compare quotes from the top car insurance companies in Occidental, 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 Occidental, CA are $3,546/year
  • The cheapest car insurance company in Occidental is USAA
  • The cheapest car insurance company in Occidental for teen drivers is USAA

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

You’ll find Occidental car insurance rates, the cheapest Occidental, CA car insurance companies, and information on California car insurance laws. You can also compare Occidental, California car insurance rates to San Francisco car insurance rates, San Diego car insurance rates, and Sacramento car insurance rates.

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

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

How do age, gender, and marital status affect Occidental, CA car insurance rates? Every Occidental, 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 Occidental, 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 $2,605 $2,606 $1,912 $1,928 $7,318 $9,211 $3,337 $3,664
Farmers $2,601 $2,601 $2,349 $2,349 $8,348 $13,705 $3,088 $3,444
GEICO $1,716 $1,718 $1,614 $1,614 $5,233 $5,334 $2,467 $2,527
Liberty Mutual $2,270 $2,152 $2,110 $2,045 $5,002 $5,304 $2,565 $2,581
Nationwide $3,123 $2,983 $2,713 $2,560 $7,920 $8,729 $3,723 $3,694
Progressive $1,725 $1,779 $1,442 $1,725 $4,541 $5,515 $2,472 $2,665
State Farm $3,463 $3,463 $3,094 $3,094 $6,338 $7,823 $3,838 $3,963
Travelers $2,313 $2,241 $2,046 $2,024 $4,734 $5,432 $3,002 $2,941
USAA $1,867 $1,769 $1,819 $1,827 $4,281 $4,305 $2,586 $2,445

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Minimum Car Insurance in Occidental, CA

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

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

Annual Occidental, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,460 $4,134 $6,470 $3,226
Farmers $3,555 $4,843 $6,034 $4,811
GEICO $1,943 $2,998 $3,761 $2,410
Liberty Mutual $2,608 $3,494 $3,151 $2,762
Nationwide $3,094 $3,960 $6,707 $3,960
Progressive $1,795 $3,032 $3,523 $2,581
State Farm $3,126 $3,730 $7,053 $3,629
Travelers $2,076 $3,351 $3,905 $3,034
USAA $1,736 $2,584 $4,228 $1,901

Cheapest Occidental, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Occidental, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,318 $9,211
Farmers $8,348 $13,705
GEICO $5,233 $5,334
Liberty Mutual $5,002 $5,304
Nationwide $7,920 $8,729
Progressive $4,541 $5,515
State Farm $6,338 $7,823
Travelers $4,734 $5,432
USAA $4,281 $4,305

Cheapest Occidental, CA Car Insurance for Seniors

Take a look at Occidental, 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 Occidental, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,912 $1,928
Farmers $2,349 $2,349
GEICO $1,614 $1,614
Liberty Mutual $2,110 $2,045
Nationwide $2,713 $2,560
Progressive $1,442 $1,725
State Farm $3,094 $3,094
Travelers $2,046 $2,024
USAA $1,819 $1,827

Cheapest Occidental, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Occidental, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,470
Farmers $6,034
GEICO $3,761
Liberty Mutual $3,151
Nationwide $6,707
Progressive $3,523
State Farm $7,053
Travelers $3,905
USAA $4,228

Cheapest Occidental, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Occidental, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,679 $4,467
Farmers $4,365 $5,257
GEICO $2,524 $3,032
Liberty Mutual $2,758 $3,249
Nationwide $3,909 $4,952
Progressive $2,481 $2,985
State Farm $4,229 $4,540
Travelers $2,782 $3,401
USAA $2,407 $2,818

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The Best Cheap Car Insurance Companies in Occidental, CA

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

Average Annual Car Insurance Rates by Company in Occidental, California

Insurance Company Average Annual Rates
Allstate $4,073
Farmers $4,811
GEICO $2,778
Liberty Mutual $3,004
Nationwide $4,431
Progressive $2,733
State Farm $4,384
Travelers $3,092
USAA $2,612

Category Winners: Cheapest Car Insurance in Occidental, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Occidental, California

Insurance Company Low Medium High
Allstate $3,878 $4,105 $4,235
Farmers $4,492 $4,848 $5,092
GEICO $2,541 $2,806 $2,987
Liberty Mutual $2,810 $3,029 $3,172
Nationwide $4,039 $4,498 $4,755
Progressive $2,510 $2,801 $2,887
State Farm $4,049 $4,442 $4,663
Travelers $2,720 $3,172 $3,382
USAA $2,373 $2,662 $2,803

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What affects car insurance rates in Occidental, California?

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

Commute Time in Occidental

The more time you spend in your car the higher the risk of an accident. The average commute length in Occidental, CA is 35.6 minutes according to City-Data.

Compare Car Insurance Quotes in Occidental, CA

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

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