Compare Scotts Valley, CA Car Insurance Rates (2021)

Car insurance in Scotts Valley, CA averages $251 a month. Scotts Valley, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Scotts Valley car insurance rates, compare quotes from the top car insurance companies in Scotts Valley, 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 Scotts Valley is Progressive
  • Average car insurance rates in Scotts Valley, CA after a DUI are $4,211/year
  • Average car insurance rates in Scotts Valley, CA are $3,014/year

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

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

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

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

How do age, gender, and marital status affect Scotts Valley, CA car insurance rates? Every Scotts Valley, 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 Scotts Valley, 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 $2,343 $2,341 $1,725 $1,735 $6,563 $8,248 $2,982 $3,259
Farmers $2,182 $2,182 $1,972 $1,972 $6,978 $11,428 $2,588 $2,885
GEICO $1,478 $1,479 $1,390 $1,390 $4,515 $4,593 $2,124 $2,171
Liberty Mutual $2,077 $1,969 $1,936 $1,877 $4,584 $4,864 $2,345 $2,357
Nationwide $2,392 $2,285 $2,102 $1,983 $6,057 $6,675 $2,859 $2,822
Progressive $1,354 $1,391 $1,151 $1,360 $3,564 $4,270 $1,926 $2,063
State Farm $2,677 $2,677 $2,393 $2,393 $4,927 $6,100 $2,965 $3,059
Travelers $2,242 $2,170 $1,988 $1,968 $4,628 $5,266 $2,903 $2,841
USAA $1,710 $1,620 $1,672 $1,678 $3,850 $3,879 $2,365 $2,235

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Minimum Car Insurance in Scotts Valley, CA

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

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

Annual Scotts Valley, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,214 $3,697 $5,793 $2,895
Farmers $2,976 $4,051 $5,044 $4,023
GEICO $1,673 $2,584 $3,238 $2,075
Liberty Mutual $2,389 $3,199 $2,886 $2,530
Nationwide $2,378 $3,044 $5,123 $3,044
Progressive $1,408 $2,379 $2,726 $2,026
State Farm $2,425 $2,892 $5,463 $2,815
Travelers $2,013 $3,258 $3,781 $2,950
USAA $1,582 $2,349 $3,841 $1,732

Cheapest Scotts Valley, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Scotts Valley, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,563 $8,248
Farmers $6,978 $11,428
GEICO $4,515 $4,593
Liberty Mutual $4,584 $4,864
Nationwide $6,057 $6,675
Progressive $3,564 $4,270
State Farm $4,927 $6,100
Travelers $4,628 $5,266
USAA $3,850 $3,879

Cheapest Scotts Valley, CA Car Insurance for Seniors

Take a look at Scotts Valley, 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 Scotts Valley, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,725 $1,735
Farmers $1,972 $1,972
GEICO $1,390 $1,390
Liberty Mutual $1,936 $1,877
Nationwide $2,102 $1,983
Progressive $1,151 $1,360
State Farm $2,393 $2,393
Travelers $1,988 $1,968
USAA $1,672 $1,678

Cheapest Scotts Valley, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Scotts Valley, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,793
Farmers $5,044
GEICO $3,238
Liberty Mutual $2,886
Nationwide $5,123
Progressive $2,726
State Farm $5,463
Travelers $3,781
USAA $3,841

Cheapest Scotts Valley, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Scotts Valley, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,296 $4,003
Farmers $3,651 $4,396
GEICO $2,173 $2,612
Liberty Mutual $2,528 $2,974
Nationwide $3,006 $3,788
Progressive $1,934 $2,336
State Farm $3,277 $3,521
Travelers $2,703 $3,298
USAA $2,192 $2,560

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The Best Cheap Car Insurance Companies in Scotts Valley, CA

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

Average Annual Car Insurance Rates by Company in Scotts Valley, California

Insurance Company Average Annual Rates
Allstate $3,650
Farmers $4,024
GEICO $2,392
Liberty Mutual $2,751
Nationwide $3,397
Progressive $2,135
State Farm $3,399
Travelers $3,001
USAA $2,376

Category Winners: Cheapest Car Insurance in Scotts Valley, California

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

Best Annual Car Insurance Rates by Company in Scotts Valley, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Scotts Valley, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Scotts Valley, California

Insurance Company Low Medium High
Allstate $3,462 $3,681 $3,806
Farmers $3,748 $4,055 $4,268
GEICO $2,209 $2,419 $2,549
Liberty Mutual $2,574 $2,776 $2,903
Nationwide $3,048 $3,460 $3,683
Progressive $1,914 $2,207 $2,285
State Farm $3,089 $3,451 $3,656
Travelers $2,610 $3,086 $3,305
USAA $2,168 $2,420 $2,540

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What affects car insurance rates in Scotts Valley, California?

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

Car Theft in Scotts Valley

High levels of vehicle theft can make car insurance more expensive. Scotts Valley, CA car theft statistics from the FBI indicate 12 vehicle thefts a year.

Commute Time in Scotts Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Scotts Valley, CA is 28.3 minutes according to City-Data.

Compare Car Insurance Quotes in Scotts Valley, CA

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