Compare Palo Alto, CA Car Insurance Rates (2021)

Car insurance in Palo Alto, CA averages $275 a month. Palo Alto, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Palo Alto car insurance rates, compare quotes from the top car insurance companies in Palo Alto, 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

  • The cheapest car insurance company in Palo Alto is GEICO
  • Average car insurance rates in Palo Alto, CA are $3,301/year
  • The cheapest car insurance company in Palo Alto for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Palo Alto, CA car insurance rates? Every Palo Alto, 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 Palo Alto, 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 $2,644 $2,645 $1,948 $1,960 $7,476 $9,415 $3,377 $3,699
Farmers $2,282 $2,282 $2,069 $2,069 $7,357 $12,074 $2,714 $3,032
GEICO $1,561 $1,562 $1,469 $1,469 $4,765 $4,844 $2,244 $2,292
Liberty Mutual $2,096 $1,985 $1,954 $1,894 $4,620 $4,908 $2,364 $2,378
Nationwide $2,921 $2,786 $2,555 $2,407 $7,507 $8,256 $3,505 $3,462
Progressive $1,674 $1,725 $1,413 $1,683 $4,455 $5,382 $2,402 $2,585
State Farm $2,803 $2,803 $2,506 $2,506 $5,181 $6,422 $3,105 $3,203
Travelers $2,269 $2,193 $2,015 $1,995 $4,717 $5,365 $2,943 $2,878
USAA $1,842 $1,744 $1,797 $1,804 $4,194 $4,233 $2,560 $2,418

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Minimum Car Insurance in Palo Alto, CA

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

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

Annual Palo Alto, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,508 $4,203 $6,583 $3,288
Farmers $3,129 $4,263 $5,311 $4,236
GEICO $1,766 $2,729 $3,418 $2,190
Liberty Mutual $2,409 $3,227 $2,911 $2,552
Nationwide $2,918 $3,736 $6,310 $3,736
Progressive $1,749 $2,963 $3,430 $2,517
State Farm $2,546 $3,036 $5,729 $2,954
Travelers $2,041 $3,309 $3,841 $2,997
USAA $1,711 $2,549 $4,162 $1,874

Cheapest Palo Alto, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Palo Alto, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,476 $9,415
Farmers $7,357 $12,074
GEICO $4,765 $4,844
Liberty Mutual $4,620 $4,908
Nationwide $7,507 $8,256
Progressive $4,455 $5,382
State Farm $5,181 $6,422
Travelers $4,717 $5,365
USAA $4,194 $4,233

Cheapest Palo Alto, CA Car Insurance for Seniors

Take a look at Palo Alto, 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 Palo Alto, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,948 $1,960
Farmers $2,069 $2,069
GEICO $1,469 $1,469
Liberty Mutual $1,954 $1,894
Nationwide $2,555 $2,407
Progressive $1,413 $1,683
State Farm $2,506 $2,506
Travelers $2,015 $1,995
USAA $1,797 $1,804

Cheapest Palo Alto, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Palo Alto, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,583
Farmers $5,311
GEICO $3,418
Liberty Mutual $2,911
Nationwide $6,310
Progressive $3,430
State Farm $5,729
Travelers $3,841
USAA $4,162

Cheapest Palo Alto, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Palo Alto, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,744 $4,547
Farmers $3,843 $4,627
GEICO $2,294 $2,757
Liberty Mutual $2,551 $2,999
Nationwide $3,686 $4,664
Progressive $2,417 $2,913
State Farm $3,437 $3,695
Travelers $2,744 $3,350
USAA $2,374 $2,774

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Cheapest Palo Alto, CA Car Insurance Rates by ZIP Code

Palo Alto car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Palo Alto, CA.

Annual Car Insurance Rates by ZIP Code in Palo Alto, California

ZIP Code Average Annual Rates
94301 $4,552
94304 $4,533
94306 $4,472

The Best Cheap Car Insurance Companies in Palo Alto, CA

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

Average Annual Car Insurance Rates by Company in Palo Alto, California

Insurance Company Average Annual Rates
Allstate $4,146
Farmers $4,235
GEICO $2,526
Liberty Mutual $2,775
Nationwide $4,175
Progressive $2,665
State Farm $3,566
Travelers $3,047
USAA $2,574

Category Winners: Cheapest Car Insurance in Palo Alto, California

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

Best Annual Car Insurance Rates by Company in Palo Alto, 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

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Cheapest Palo Alto, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Palo Alto, California

Insurance Company Low Medium High
Allstate $3,950 $4,179 $4,308
Farmers $3,955 $4,269 $4,481
GEICO $2,314 $2,554 $2,709
Liberty Mutual $2,593 $2,801 $2,931
Nationwide $3,780 $4,252 $4,494
Progressive $2,414 $2,742 $2,838
State Farm $3,216 $3,628 $3,855
Travelers $2,648 $3,137 $3,356
USAA $2,355 $2,620 $2,746

What affects car insurance rates in Palo Alto, California?

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

Car Theft in Palo Alto

High levels of vehicle theft can make car insurance more expensive. Palo Alto, CA car theft statistics from the FBI indicate 82 vehicle thefts a year.

Commute Time in Palo Alto

The more time you spend in your car the higher the risk of an accident. The average commute length in Palo Alto, CA is 25.0 minutes according to City-Data.

Compare Car Insurance Quotes in Palo Alto, CA

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