Compare Philo, CA Car Insurance Rates (2021)

Car insurance in Philo, CA averages $262 a month. Philo, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Philo car insurance rates, compare quotes from the top car insurance companies in Philo, 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 Philo for teen drivers is USAA
  • Average car insurance rates in Philo, CA after a DUI are $4,415/year
  • Average car insurance rates in Philo, CA are $3,141/year

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

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

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

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

How do age, gender, and marital status affect Philo, CA car insurance rates? Every Philo, 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 Philo, 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 $2,479 $2,487 $1,801 $1,834 $6,815 $8,579 $3,216 $3,570
Farmers $2,108 $2,108 $1,881 $1,881 $6,767 $11,254 $2,501 $2,784
GEICO $1,624 $1,624 $1,527 $1,527 $4,955 $5,040 $2,334 $2,384
Liberty Mutual $2,077 $1,974 $1,927 $1,870 $4,585 $4,845 $2,352 $2,360
Nationwide $2,615 $2,502 $2,276 $2,151 $6,549 $7,228 $3,112 $3,088
Progressive $1,450 $1,493 $1,211 $1,445 $3,756 $4,553 $2,065 $2,222
State Farm $3,089 $3,089 $2,758 $2,758 $5,630 $6,966 $3,420 $3,529
Travelers $2,222 $2,163 $1,963 $1,940 $4,432 $5,174 $2,893 $2,836
USAA $1,663 $1,580 $1,623 $1,634 $3,739 $3,769 $2,305 $2,183

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Minimum Car Insurance in Philo, CA

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

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

Annual Philo, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,312 $3,925 $6,117 $3,036
Farmers $2,881 $3,931 $4,918 $3,912
GEICO $1,836 $2,839 $3,555 $2,277
Liberty Mutual $2,386 $3,198 $2,883 $2,528
Nationwide $2,580 $3,302 $5,577 $3,302
Progressive $1,500 $2,521 $2,923 $2,154
State Farm $2,782 $3,321 $6,286 $3,231
Travelers $1,996 $3,188 $3,738 $2,889
USAA $1,540 $2,282 $3,741 $1,685

Cheapest Philo, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Philo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,815 $8,579
Farmers $6,767 $11,254
GEICO $4,955 $5,040
Liberty Mutual $4,585 $4,845
Nationwide $6,549 $7,228
Progressive $3,756 $4,553
State Farm $5,630 $6,966
Travelers $4,432 $5,174
USAA $3,739 $3,769

Cheapest Philo, CA Car Insurance for Seniors

Take a look at Philo, 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 Philo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,801 $1,834
Farmers $1,881 $1,881
GEICO $1,527 $1,527
Liberty Mutual $1,927 $1,870
Nationwide $2,276 $2,151
Progressive $1,211 $1,445
State Farm $2,758 $2,758
Travelers $1,963 $1,940
USAA $1,623 $1,634

Cheapest Philo, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Philo, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,117
Farmers $4,918
GEICO $3,555
Liberty Mutual $2,883
Nationwide $5,577
Progressive $2,923
State Farm $6,286
Travelers $3,738
USAA $3,741

Cheapest Philo, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Philo, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,478 $4,217
Farmers $3,550 $4,271
GEICO $2,386 $2,868
Liberty Mutual $2,525 $2,973
Nationwide $3,262 $4,118
Progressive $2,066 $2,483
State Farm $3,765 $4,045
Travelers $2,657 $3,248
USAA $2,132 $2,492

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The Best Cheap Car Insurance Companies in Philo, CA

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

Average Annual Car Insurance Rates by Company in Philo, California

Insurance Company Average Annual Rates
Allstate $3,848
Farmers $3,911
GEICO $2,627
Liberty Mutual $2,749
Nationwide $3,690
Progressive $2,275
State Farm $3,905
Travelers $2,953
USAA $2,312

Category Winners: Cheapest Car Insurance in Philo, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Philo, California

Insurance Company Low Medium High
Allstate $3,672 $3,876 $3,995
Farmers $3,706 $3,933 $4,093
GEICO $2,402 $2,656 $2,823
Liberty Mutual $2,586 $2,771 $2,889
Nationwide $3,350 $3,747 $3,973
Progressive $2,093 $2,331 $2,399
State Farm $3,592 $3,958 $4,165
Travelers $2,662 $3,012 $3,185
USAA $2,122 $2,351 $2,462

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What affects car insurance rates in Philo, California?

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

Commute Time in Philo

The more time you spend in your car the higher the risk of an accident. The average commute length in Philo, CA is 14.2 minutes according to City-Data.

Compare Car Insurance Quotes in Philo, CA

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

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