Compare San Ardo, CA Car Insurance Rates (2021)

Car insurance in San Ardo, CA averages $248 a month. San Ardo, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Ardo car insurance rates, compare quotes from the top car insurance companies in San Ardo, 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 San Ardo, CA after a DUI are $4,178/year
  • The cheapest car insurance company in San Ardo is Progressive
  • The cheapest car insurance company in San Ardo for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect San Ardo, CA car insurance rates? Every San Ardo, 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 San Ardo, 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 $2,311 $2,325 $1,688 $1,718 $6,315 $7,968 $3,000 $3,343
Farmers $2,147 $2,147 $1,930 $1,930 $6,835 $11,235 $2,542 $2,829
GEICO $1,483 $1,485 $1,396 $1,396 $4,531 $4,620 $2,133 $2,185
Liberty Mutual $2,062 $1,954 $1,917 $1,858 $4,514 $4,793 $2,327 $2,344
Nationwide $2,625 $2,510 $2,282 $2,156 $6,607 $7,282 $3,122 $3,100
Progressive $1,427 $1,466 $1,228 $1,447 $3,771 $4,526 $2,060 $2,209
State Farm $2,573 $2,573 $2,296 $2,296 $4,695 $5,830 $2,844 $2,932
Travelers $1,923 $1,867 $1,702 $1,686 $3,852 $4,358 $2,454 $2,414
USAA $1,729 $1,640 $1,689 $1,697 $3,929 $3,943 $2,390 $2,260

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Minimum Car Insurance in San Ardo, CA

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

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

Annual San Ardo, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,160 $3,653 $5,687 $2,834
Farmers $2,918 $3,975 $4,956 $3,949
GEICO $1,682 $2,592 $3,254 $2,087
Liberty Mutual $2,362 $3,165 $2,855 $2,503
Nationwide $2,596 $3,319 $5,608 $3,319
Progressive $1,485 $2,521 $2,926 $2,136
State Farm $2,319 $2,768 $5,239 $2,694
Travelers $1,724 $2,743 $3,173 $2,488
USAA $1,603 $2,378 $3,902 $1,755

Cheapest San Ardo, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in San Ardo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,315 $7,968
Farmers $6,835 $11,235
GEICO $4,531 $4,620
Liberty Mutual $4,514 $4,793
Nationwide $6,607 $7,282
Progressive $3,771 $4,526
State Farm $4,695 $5,830
Travelers $3,852 $4,358
USAA $3,929 $3,943

Cheapest San Ardo, CA Car Insurance for Seniors

Take a look at San Ardo, 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 San Ardo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,688 $1,718
Farmers $1,930 $1,930
GEICO $1,396 $1,396
Liberty Mutual $1,917 $1,858
Nationwide $2,282 $2,156
Progressive $1,228 $1,447
State Farm $2,296 $2,296
Travelers $1,702 $1,686
USAA $1,689 $1,697

Cheapest San Ardo, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in San Ardo, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,687
Farmers $4,956
GEICO $3,254
Liberty Mutual $2,855
Nationwide $5,608
Progressive $2,926
State Farm $5,239
Travelers $3,173
USAA $3,902

Cheapest San Ardo, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in San Ardo, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,240 $3,927
Farmers $3,584 $4,315
GEICO $2,184 $2,623
Liberty Mutual $2,499 $2,943
Nationwide $3,277 $4,145
Progressive $2,060 $2,473
State Farm $3,136 $3,374
Travelers $2,289 $2,775
USAA $2,220 $2,600

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The Best Cheap Car Insurance Companies in San Ardo, CA

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

Average Annual Car Insurance Rates by Company in San Ardo, California

Insurance Company Average Annual Rates
Allstate $3,584
Farmers $3,950
GEICO $2,404
Liberty Mutual $2,721
Nationwide $3,711
Progressive $2,267
State Farm $3,255
Travelers $2,532
USAA $2,410

Category Winners: Cheapest Car Insurance in San Ardo, California

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

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

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

Annual Car Insurance Rates by Coverage Level in San Ardo, California

Insurance Company Low Medium High
Allstate $3,436 $3,608 $3,707
Farmers $3,692 $3,978 $4,179
GEICO $2,248 $2,427 $2,536
Liberty Mutual $2,547 $2,744 $2,873
Nationwide $3,383 $3,765 $3,984
Progressive $2,007 $2,337 $2,456
State Farm $2,953 $3,305 $3,507
Travelers $2,197 $2,600 $2,799
USAA $2,189 $2,455 $2,585

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What affects car insurance rates in San Ardo, California?

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

Commute Time in San Ardo

The more time you spend in your car the higher the risk of an accident. The average commute length in San Ardo, CA is 22.7 minutes according to City-Data.

Compare Car Insurance Quotes in San Ardo, CA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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