Compare Orcutt, CA Car Insurance Rates (2021)

Car insurance in Orcutt, CA averages $240 a month. Orcutt, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Orcutt car insurance rates, compare quotes from the top car insurance companies in Orcutt, 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 Orcutt, CA after a DUI are $4,041/year
  • The cheapest car insurance company in Orcutt is GEICO
  • The cheapest car insurance company in Orcutt for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Orcutt, CA car insurance rates? Every Orcutt, 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 Orcutt, 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 $2,220 $2,222 $1,633 $1,649 $6,176 $7,766 $2,843 $3,124
Farmers $1,683 $1,683 $1,524 $1,524 $5,340 $8,723 $1,993 $2,220
GEICO $1,442 $1,443 $1,357 $1,357 $4,375 $4,449 $2,069 $2,115
Liberty Mutual $1,927 $1,820 $1,798 $1,740 $4,149 $4,439 $2,163 $2,191
Nationwide $2,506 $2,392 $2,203 $2,077 $6,341 $6,997 $2,980 $2,941
Progressive $1,518 $1,561 $1,301 $1,537 $4,049 $4,862 $2,185 $2,346
State Farm $2,604 $2,604 $2,327 $2,327 $4,797 $5,953 $2,882 $2,971
Travelers $2,143 $2,079 $1,901 $1,880 $4,344 $5,009 $2,782 $2,722
USAA $1,699 $1,607 $1,664 $1,668 $3,839 $3,862 $2,351 $2,219

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Minimum Car Insurance in Orcutt, CA

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

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

Annual Orcutt, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,093 $3,507 $5,477 $2,738
Farmers $2,282 $3,108 $3,869 $3,085
GEICO $1,627 $2,507 $3,150 $2,018
Liberty Mutual $2,194 $2,939 $2,655 $2,325
Nationwide $2,487 $3,184 $5,364 $3,184
Progressive $1,586 $2,695 $3,115 $2,284
State Farm $2,361 $2,815 $5,317 $2,740
Travelers $1,928 $3,094 $3,606 $2,803
USAA $1,574 $2,337 $3,822 $1,723

Cheapest Orcutt, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Orcutt, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,176 $7,766
Farmers $5,340 $8,723
GEICO $4,375 $4,449
Liberty Mutual $4,149 $4,439
Nationwide $6,341 $6,997
Progressive $4,049 $4,862
State Farm $4,797 $5,953
Travelers $4,344 $5,009
USAA $3,839 $3,862

Cheapest Orcutt, CA Car Insurance for Seniors

Take a look at Orcutt, 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 Orcutt, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,633 $1,649
Farmers $1,524 $1,524
GEICO $1,357 $1,357
Liberty Mutual $1,798 $1,740
Nationwide $2,203 $2,077
Progressive $1,301 $1,537
State Farm $2,327 $2,327
Travelers $1,901 $1,880
USAA $1,664 $1,668

Cheapest Orcutt, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Orcutt, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,477
Farmers $3,869
GEICO $3,150
Liberty Mutual $2,655
Nationwide $5,364
Progressive $3,115
State Farm $5,317
Travelers $3,606
USAA $3,822

Cheapest Orcutt, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Orcutt, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,122 $3,785
Farmers $2,801 $3,372
GEICO $2,113 $2,539
Liberty Mutual $2,321 $2,735
Nationwide $3,142 $3,968
Progressive $2,196 $2,644
State Farm $3,188 $3,429
Travelers $2,574 $3,141
USAA $2,180 $2,548

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The Best Cheap Car Insurance Companies in Orcutt, CA

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

Average Annual Car Insurance Rates by Company in Orcutt, California

Insurance Company Average Annual Rates
Allstate $3,454
Farmers $3,086
GEICO $2,326
Liberty Mutual $2,528
Nationwide $3,555
Progressive $2,420
State Farm $3,308
Travelers $2,857
USAA $2,364

Category Winners: Cheapest Car Insurance in Orcutt, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Orcutt, California

Insurance Company Low Medium High
Allstate $3,290 $3,481 $3,591
Farmers $2,868 $3,109 $3,281
GEICO $2,116 $2,353 $2,509
Liberty Mutual $2,346 $2,550 $2,689
Nationwide $3,179 $3,616 $3,869
Progressive $2,151 $2,498 $2,610
State Farm $2,979 $3,364 $3,581
Travelers $2,533 $2,927 $3,112
USAA $2,153 $2,408 $2,530

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What affects car insurance rates in Orcutt, California?

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

Commute Time in Orcutt

The more time you spend in your car the higher the risk of an accident. The average commute length in Orcutt, CA is 21.7 minutes according to City-Data.

Compare Car Insurance Quotes in Orcutt, CA

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

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