Compare San Luis Obispo, CA Car Insurance Rates (2021)

Car insurance in San Luis Obispo, CA averages $263 a month. San Luis Obispo, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Luis Obispo car insurance rates, compare quotes from the top car insurance companies in San Luis Obispo, 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 San Luis Obispo is Liberty Mutual
  • Average car insurance rates in San Luis Obispo, CA after a DUI are $4,469/year
  • Average car insurance rates in San Luis Obispo, CA are $3,158/year

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

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

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

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

How do age, gender, and marital status affect San Luis Obispo, CA car insurance rates? Every San Luis Obispo, 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 Luis Obispo, 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 $2,739 $2,740 $2,000 $2,018 $7,614 $9,575 $3,503 $3,845
Farmers $1,732 $1,732 $1,566 $1,566 $5,488 $8,954 $2,049 $2,280
GEICO $1,631 $1,631 $1,533 $1,533 $4,956 $5,037 $2,341 $2,391
Liberty Mutual $1,872 $1,769 $1,744 $1,690 $4,041 $4,319 $2,101 $2,124
Nationwide $2,994 $2,854 $2,629 $2,474 $7,691 $8,470 $3,584 $3,533
Progressive $1,737 $1,787 $1,478 $1,753 $4,642 $5,590 $2,502 $2,689
State Farm $2,863 $2,863 $2,558 $2,558 $5,270 $6,532 $3,170 $3,269
Travelers $2,068 $2,001 $1,837 $1,819 $4,243 $4,803 $2,663 $2,608
USAA $1,771 $1,675 $1,731 $1,736 $4,017 $4,046 $2,451 $2,314

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Minimum Car Insurance in San Luis Obispo, CA

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

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

Annual San Luis Obispo, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,566 $4,314 $6,771 $3,365
Farmers $2,348 $3,194 $3,973 $3,169
GEICO $1,839 $2,843 $3,563 $2,282
Liberty Mutual $2,133 $2,857 $2,580 $2,260
Nationwide $2,989 $3,829 $6,467 $3,829
Progressive $1,816 $3,086 $3,572 $2,616
State Farm $2,594 $3,094 $5,843 $3,010
Travelers $1,857 $2,993 $3,461 $2,710
USAA $1,642 $2,442 $3,989 $1,798

Cheapest San Luis Obispo, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in San Luis Obispo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,614 $9,575
Farmers $5,488 $8,954
GEICO $4,956 $5,037
Liberty Mutual $4,041 $4,319
Nationwide $7,691 $8,470
Progressive $4,642 $5,590
State Farm $5,270 $6,532
Travelers $4,243 $4,803
USAA $4,017 $4,046

Cheapest San Luis Obispo, CA Car Insurance for Seniors

Take a look at San Luis Obispo, 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 Luis Obispo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,000 $2,018
Farmers $1,566 $1,566
GEICO $1,533 $1,533
Liberty Mutual $1,744 $1,690
Nationwide $2,629 $2,474
Progressive $1,478 $1,753
State Farm $2,558 $2,558
Travelers $1,837 $1,819
USAA $1,731 $1,736

Cheapest San Luis Obispo, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in San Luis Obispo, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,771
Farmers $3,973
GEICO $3,563
Liberty Mutual $2,580
Nationwide $6,467
Progressive $3,572
State Farm $5,843
Travelers $3,461
USAA $3,989

Cheapest San Luis Obispo, CA Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,837 $4,671
Farmers $2,877 $3,464
GEICO $2,391 $2,873
Liberty Mutual $2,258 $2,657
Nationwide $3,778 $4,779
Progressive $2,514 $3,030
State Farm $3,504 $3,767
Travelers $2,486 $3,024
USAA $2,276 $2,659

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Cheapest San Luis Obispo, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in San Luis Obispo, California

ZIP Code Average Annual Rates
93401 $3,718
93405 $4,068
93407 $4,336
93410 $4,514

The Best Cheap Car Insurance Companies in San Luis Obispo, CA

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

Average Annual Car Insurance Rates by Company in San Luis Obispo, California

Insurance Company Average Annual Rates
Allstate $4,254
Farmers $3,171
GEICO $2,632
Liberty Mutual $2,458
Nationwide $4,279
Progressive $2,772
State Farm $3,635
Travelers $2,755
USAA $2,468

Category Winners: Cheapest Car Insurance in San Luis Obispo, California

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

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

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

Annual Car Insurance Rates by Coverage Level in San Luis Obispo, California

Insurance Company Low Medium High
Allstate $4,027 $4,291 $4,444
Farmers $2,941 $3,196 $3,375
GEICO $2,366 $2,663 $2,866
Liberty Mutual $2,286 $2,480 $2,606
Nationwide $3,846 $4,359 $4,631
Progressive $2,482 $2,858 $2,977
State Farm $3,290 $3,695 $3,921
Travelers $2,382 $2,835 $3,048
USAA $2,246 $2,514 $2,642

What affects car insurance rates in San Luis Obispo, California?

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

Car Theft in San Luis Obispo

High levels of vehicle theft can make car insurance more expensive. San Luis Obispo, CA car theft statistics from the FBI indicate 74 vehicle thefts a year.

Commute Time in San Luis Obispo

The more time you spend in your car the higher the risk of an accident. The average commute length in San Luis Obispo, CA is 15.7 minutes according to City-Data.

Compare Car Insurance Quotes in San Luis Obispo, CA

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