Compare Saratoga, CA Car Insurance Rates (2021)

Car insurance in Saratoga, CA averages $285 a month. Saratoga, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Saratoga car insurance rates, compare quotes from the top car insurance companies in Saratoga, 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 Saratoga, CA are $3,422/year
  • The cheapest car insurance company in Saratoga for teen drivers is USAA
  • The cheapest car insurance company in Saratoga is GEICO

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

You’ll find Saratoga car insurance rates, the cheapest Saratoga, CA car insurance companies, and information on California car insurance laws. You can also compare Saratoga, California car insurance rates to Fresno car insurance rates, Sacramento car insurance rates, and Oakland car insurance rates.

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

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

How do age, gender, and marital status affect Saratoga, CA car insurance rates? Every Saratoga, 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 Saratoga, 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 $2,591 $2,589 $1,909 $1,919 $7,334 $9,226 $3,306 $3,614
Farmers $2,325 $2,325 $2,107 $2,107 $7,484 $12,273 $2,763 $3,086
GEICO $1,606 $1,607 $1,511 $1,511 $4,899 $4,982 $2,309 $2,359
Liberty Mutual $2,124 $2,010 $1,983 $1,922 $4,673 $4,973 $2,394 $2,411
Nationwide $3,135 $2,989 $2,736 $2,576 $8,074 $8,876 $3,764 $3,720
Progressive $2,034 $2,098 $1,706 $2,040 $5,460 $6,609 $2,919 $3,145
State Farm $2,830 $2,830 $2,531 $2,531 $5,228 $6,475 $3,136 $3,235
Travelers $2,293 $2,216 $2,035 $2,015 $4,773 $5,425 $2,974 $2,909
USAA $1,863 $1,763 $1,819 $1,825 $4,239 $4,280 $2,589 $2,445

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Minimum Car Insurance in Saratoga, CA

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

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

Annual Saratoga, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,458 $4,118 $6,448 $3,220
Farmers $3,184 $4,338 $5,403 $4,309
GEICO $1,816 $2,806 $3,517 $2,253
Liberty Mutual $2,441 $3,269 $2,949 $2,586
Nationwide $3,132 $4,010 $6,783 $4,010
Progressive $2,132 $3,618 $4,183 $3,073
State Farm $2,570 $3,064 $5,782 $2,981
Travelers $2,062 $3,345 $3,883 $3,030
USAA $1,730 $2,578 $4,208 $1,895

Cheapest Saratoga, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Saratoga, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,334 $9,226
Farmers $7,484 $12,273
GEICO $4,899 $4,982
Liberty Mutual $4,673 $4,973
Nationwide $8,074 $8,876
Progressive $5,460 $6,609
State Farm $5,228 $6,475
Travelers $4,773 $5,425
USAA $4,239 $4,280

Cheapest Saratoga, CA Car Insurance for Seniors

Take a look at Saratoga, 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 Saratoga, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,909 $1,919
Farmers $2,107 $2,107
GEICO $1,511 $1,511
Liberty Mutual $1,983 $1,922
Nationwide $2,736 $2,576
Progressive $1,706 $2,040
State Farm $2,531 $2,531
Travelers $2,035 $2,015
USAA $1,819 $1,825

Cheapest Saratoga, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Saratoga, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,448
Farmers $5,403
GEICO $3,517
Liberty Mutual $2,949
Nationwide $6,783
Progressive $4,183
State Farm $5,782
Travelers $3,883
USAA $4,208

Cheapest Saratoga, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Saratoga, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,668 $4,453
Farmers $3,909 $4,708
GEICO $2,360 $2,836
Liberty Mutual $2,584 $3,039
Nationwide $3,957 $5,011
Progressive $2,945 $3,558
State Farm $3,470 $3,729
Travelers $2,773 $3,387
USAA $2,401 $2,805

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The Best Cheap Car Insurance Companies in Saratoga, CA

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

Average Annual Car Insurance Rates by Company in Saratoga, California

Insurance Company Average Annual Rates
Allstate $4,061
Farmers $4,308
GEICO $2,598
Liberty Mutual $2,811
Nationwide $4,484
Progressive $3,251
State Farm $3,599
Travelers $3,080
USAA $2,603

Category Winners: Cheapest Car Insurance in Saratoga, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Saratoga, California

Insurance Company Low Medium High
Allstate $3,864 $4,094 $4,224
Farmers $4,020 $4,343 $4,562
GEICO $2,383 $2,627 $2,784
Liberty Mutual $2,617 $2,839 $2,978
Nationwide $4,078 $4,566 $4,808
Progressive $2,961 $3,346 $3,447
State Farm $3,256 $3,660 $3,882
Travelers $2,675 $3,172 $3,393
USAA $2,380 $2,650 $2,779

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What affects car insurance rates in Saratoga, California?

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

Car Theft in Saratoga

High levels of vehicle theft can make car insurance more expensive. Saratoga, CA car theft statistics from the FBI indicate 13 vehicle thefts a year.

Commute Time in Saratoga

The more time you spend in your car the higher the risk of an accident. The average commute length in Saratoga, CA is 30.5 minutes according to City-Data.

Compare Car Insurance Quotes in Saratoga, CA

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