Compare San Carlos, CA Car Insurance Rates (2021)

Car insurance in San Carlos, CA averages $281 a month. San Carlos, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Carlos car insurance rates, compare quotes from the top car insurance companies in San Carlos, 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 San Carlos for teen drivers is USAA
  • The cheapest car insurance company in San Carlos is USAA
  • Average car insurance rates in San Carlos, CA after a DUI are $4,732/year

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

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

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

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

How do age, gender, and marital status affect San Carlos, CA car insurance rates? Every San Carlos, 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 Carlos, 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 $2,671 $2,677 $1,963 $1,980 $7,498 $9,455 $3,424 $3,768
Farmers $2,376 $2,376 $2,150 $2,150 $7,666 $12,592 $2,826 $3,155
GEICO $1,659 $1,660 $1,561 $1,561 $5,057 $5,139 $2,384 $2,435
Liberty Mutual $2,151 $2,040 $2,007 $1,946 $4,788 $5,074 $2,430 $2,438
Nationwide $2,790 $2,660 $2,458 $2,314 $7,163 $7,891 $3,347 $3,294
Progressive $1,722 $1,771 $1,487 $1,753 $4,662 $5,591 $2,496 $2,681
State Farm $3,054 $3,054 $2,730 $2,730 $5,652 $7,014 $3,383 $3,488
Travelers $2,221 $2,148 $1,971 $1,951 $4,598 $5,222 $2,870 $2,814
USAA $1,855 $1,756 $1,809 $1,815 $4,236 $4,268 $2,571 $2,428

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Minimum Car Insurance in San Carlos, CA

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

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

Annual San Carlos, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,525 $4,240 $6,639 $3,313
Farmers $3,260 $4,441 $5,533 $4,412
GEICO $1,875 $2,897 $3,631 $2,326
Liberty Mutual $2,483 $3,326 $2,998 $2,630
Nationwide $2,788 $3,574 $6,024 $3,574
Progressive $1,808 $3,089 $3,577 $2,607
State Farm $2,777 $3,310 $6,245 $3,221
Travelers $2,000 $3,224 $3,748 $2,926
USAA $1,723 $2,568 $4,192 $1,887

Cheapest San Carlos, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,498 $9,455
Farmers $7,666 $12,592
GEICO $5,057 $5,139
Liberty Mutual $4,788 $5,074
Nationwide $7,163 $7,891
Progressive $4,662 $5,591
State Farm $5,652 $7,014
Travelers $4,598 $5,222
USAA $4,236 $4,268

Cheapest San Carlos, CA Car Insurance for Seniors

Take a look at San Carlos, 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 Carlos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,963 $1,980
Farmers $2,150 $2,150
GEICO $1,561 $1,561
Liberty Mutual $2,007 $1,946
Nationwide $2,458 $2,314
Progressive $1,487 $1,753
State Farm $2,730 $2,730
Travelers $1,971 $1,951
USAA $1,809 $1,815

Cheapest San Carlos, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,639
Farmers $5,533
GEICO $3,631
Liberty Mutual $2,998
Nationwide $6,024
Progressive $3,577
State Farm $6,245
Travelers $3,748
USAA $4,192

Cheapest San Carlos, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Carlos, 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 Carlos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,774 $4,585
Farmers $4,003 $4,820
GEICO $2,436 $2,928
Liberty Mutual $2,629 $3,090
Nationwide $3,527 $4,452
Progressive $2,513 $3,028
State Farm $3,747 $4,030
Travelers $2,679 $3,270
USAA $2,390 $2,794

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The Best Cheap Car Insurance Companies in San Carlos, CA

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

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

Insurance Company Average Annual Rates
Allstate $4,179
Farmers $4,411
GEICO $2,682
Liberty Mutual $2,859
Nationwide $3,990
Progressive $2,770
State Farm $3,888
Travelers $2,974
USAA $2,592

Category Winners: Cheapest Car Insurance in San Carlos, California

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

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

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

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

Insurance Company Low Medium High
Allstate $3,987 $4,212 $4,339
Farmers $4,123 $4,447 $4,664
GEICO $2,444 $2,713 $2,889
Liberty Mutual $2,678 $2,886 $3,014
Nationwide $3,567 $4,071 $4,330
Progressive $2,436 $2,865 $3,010
State Farm $3,488 $3,960 $4,217
Travelers $2,587 $3,065 $3,272
USAA $2,358 $2,642 $2,777

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What affects car insurance rates in San Carlos, California?

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

Commute Time in San Carlos

The more time you spend in your car the higher the risk of an accident. The average commute length in San Carlos, CA is 29.2 minutes according to City-Data.

Compare Car Insurance Quotes in San Carlos, CA

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

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