Compare Orinda, CA Car Insurance Rates (2021)

Car insurance in Orinda, CA averages $291 a month. Orinda, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Orinda car insurance rates, compare quotes from the top car insurance companies in Orinda, 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 Orinda is Progressive
  • The cheapest car insurance company in Orinda for teen drivers is USAA
  • Average car insurance rates in Orinda, CA are $3,494/year

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

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

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

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

How do age, gender, and marital status affect Orinda, CA car insurance rates? Every Orinda, 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 Orinda, 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 $2,850 $2,853 $2,081 $2,100 $7,948 $10,005 $3,648 $4,010
Farmers $2,409 $2,409 $2,174 $2,174 $7,726 $12,683 $2,859 $3,187
GEICO $1,611 $1,612 $1,515 $1,515 $4,909 $4,992 $2,314 $2,365
Liberty Mutual $2,234 $2,123 $2,078 $2,015 $4,965 $5,248 $2,530 $2,538
Nationwide $3,054 $2,914 $2,667 $2,513 $7,839 $8,624 $3,666 $3,623
Progressive $1,629 $1,677 $1,374 $1,634 $4,317 $5,204 $2,329 $2,503
State Farm $3,151 $3,151 $2,814 $2,814 $5,792 $7,179 $3,489 $3,598
Travelers $2,462 $2,382 $2,179 $2,155 $5,111 $5,846 $3,205 $3,136
USAA $1,956 $1,851 $1,911 $1,918 $4,462 $4,499 $2,721 $2,569

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Minimum Car Insurance in Orinda, CA

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

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

Annual Orinda, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,675 $4,499 $7,063 $3,510
Farmers $3,292 $4,482 $5,584 $4,452
GEICO $1,821 $2,811 $3,525 $2,259
Liberty Mutual $2,576 $3,451 $3,110 $2,728
Nationwide $3,047 $3,902 $6,597 $3,902
Progressive $1,699 $2,875 $3,314 $2,446
State Farm $2,852 $3,402 $6,428 $3,311
Travelers $2,209 $3,593 $4,184 $3,251
USAA $1,817 $2,706 $4,428 $1,991

Cheapest Orinda, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Orinda, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,948 $10,005
Farmers $7,726 $12,683
GEICO $4,909 $4,992
Liberty Mutual $4,965 $5,248
Nationwide $7,839 $8,624
Progressive $4,317 $5,204
State Farm $5,792 $7,179
Travelers $5,111 $5,846
USAA $4,462 $4,499

Cheapest Orinda, CA Car Insurance for Seniors

Take a look at Orinda, 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 Orinda, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,081 $2,100
Farmers $2,174 $2,174
GEICO $1,515 $1,515
Liberty Mutual $2,078 $2,015
Nationwide $2,667 $2,513
Progressive $1,374 $1,634
State Farm $2,814 $2,814
Travelers $2,179 $2,155
USAA $1,911 $1,918

Cheapest Orinda, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Orinda, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,063
Farmers $5,584
GEICO $3,525
Liberty Mutual $3,110
Nationwide $6,597
Progressive $3,314
State Farm $6,428
Travelers $4,184
USAA $4,428

Cheapest Orinda, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Orinda, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,001 $4,872
Farmers $4,040 $4,865
GEICO $2,366 $2,843
Liberty Mutual $2,725 $3,208
Nationwide $3,851 $4,874
Progressive $2,341 $2,826
State Farm $3,854 $4,143
Travelers $2,976 $3,643
USAA $2,522 $2,949

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The Best Cheap Car Insurance Companies in Orinda, CA

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

Average Annual Car Insurance Rates by Company in Orinda, California

Insurance Company Average Annual Rates
Allstate $4,437
Farmers $4,453
GEICO $2,604
Liberty Mutual $2,966
Nationwide $4,362
Progressive $2,583
State Farm $3,998
Travelers $3,309
USAA $2,736

Category Winners: Cheapest Car Insurance in Orinda, California

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

Best Annual Car Insurance Rates by Company in Orinda, California

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

Cheapest Orinda, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Orinda, California

Insurance Company Low Medium High
Allstate $4,206 $4,475 $4,630
Farmers $4,157 $4,487 $4,713
GEICO $2,386 $2,633 $2,792
Liberty Mutual $2,789 $2,991 $3,119
Nationwide $3,952 $4,441 $4,694
Progressive $2,338 $2,662 $2,750
State Farm $3,626 $4,064 $4,305
Travelers $2,895 $3,402 $3,631
USAA $2,502 $2,784 $2,920

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What affects car insurance rates in Orinda, California?

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

Car Theft in Orinda

High levels of vehicle theft can make car insurance more expensive. Orinda, CA car theft statistics from the FBI indicate 11 vehicle thefts a year.

Commute Time in Orinda

The more time you spend in your car the higher the risk of an accident. The average commute length in Orinda, CA is 36.1 minutes according to City-Data.

Compare Car Insurance Quotes in Orinda, CA

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