Compare Spreckels, CA Car Insurance Rates (2021)

Car insurance in Spreckels, CA averages $270 a month. Spreckels, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Spreckels car insurance rates, compare quotes from the top car insurance companies in Spreckels, 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 Spreckels is Progressive
  • The cheapest car insurance company in Spreckels for teen drivers is Progressive
  • Average car insurance rates in Spreckels, CA after a DUI are $4,579/year

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

You’ll find Spreckels car insurance rates, the cheapest Spreckels, CA car insurance companies, and information on California car insurance laws. You can also compare Spreckels, California car insurance rates to Los Angeles car insurance rates, Bakersfield car insurance rates, and Oakland car insurance rates.

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

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

How do age, gender, and marital status affect Spreckels, CA car insurance rates? Every Spreckels, 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 Spreckels, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,038 $2,038 $1,840 $1,840 $6,485 $10,620 $2,414 $2,688
GEICO $1,577 $1,577 $1,483 $1,483 $4,782 $4,866 $2,263 $2,315
Liberty Mutual $2,097 $1,985 $1,952 $1,892 $4,604 $4,893 $2,365 $2,381
Nationwide $2,819 $2,691 $2,455 $2,314 $7,193 $7,912 $3,366 $3,335
Progressive $1,370 $1,411 $1,154 $1,374 $3,593 $4,347 $1,955 $2,105
State Farm $2,911 $2,911 $2,602 $2,602 $5,346 $6,624 $3,222 $3,324
Travelers $2,283 $2,213 $2,018 $1,997 $4,654 $5,336 $2,957 $2,900
USAA $1,814 $1,717 $1,772 $1,777 $4,137 $4,152 $2,504 $2,365

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Minimum Car Insurance in Spreckels, CA

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

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

Annual Spreckels, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $2,769 $3,771 $4,697 $3,744
GEICO $1,779 $2,743 $3,444 $2,206
Liberty Mutual $2,406 $3,223 $2,907 $2,549
Nationwide $2,805 $3,587 $6,064 $3,587
Progressive $1,426 $2,402 $2,782 $2,046
State Farm $2,634 $3,142 $5,938 $3,057
Travelers $2,048 $3,299 $3,843 $2,988
USAA $1,682 $2,501 $4,094 $1,842

Cheapest Spreckels, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spreckels, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $6,485 $10,620
GEICO $4,782 $4,866
Liberty Mutual $4,604 $4,893
Nationwide $7,193 $7,912
Progressive $3,593 $4,347
State Farm $5,346 $6,624
Travelers $4,654 $5,336
USAA $4,137 $4,152

Cheapest Spreckels, CA Car Insurance for Seniors

Take a look at Spreckels, 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 Spreckels, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $1,840 $1,840
GEICO $1,483 $1,483
Liberty Mutual $1,952 $1,892
Nationwide $2,455 $2,314
Progressive $1,154 $1,374
State Farm $2,602 $2,602
Travelers $2,018 $1,997
USAA $1,772 $1,777

Cheapest Spreckels, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spreckels, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,445
Farmers $4,697
GEICO $3,444
Liberty Mutual $2,907
Nationwide $6,064
Progressive $2,782
State Farm $5,938
Travelers $3,843
USAA $4,094

Cheapest Spreckels, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spreckels, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $3,399 $4,092
GEICO $2,310 $2,776
Liberty Mutual $2,546 $2,996
Nationwide $3,538 $4,483
Progressive $1,965 $2,362
State Farm $3,559 $3,826
Travelers $2,741 $3,348
USAA $2,331 $2,729

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The Best Cheap Car Insurance Companies in Spreckels, CA

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

Average Annual Car Insurance Rates by Company in Spreckels, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $3,746
GEICO $2,543
Liberty Mutual $2,771
Nationwide $4,011
Progressive $2,164
State Farm $3,693
Travelers $3,045
USAA $2,530

Category Winners: Cheapest Car Insurance in Spreckels, California

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

Best Annual Car Insurance Rates by Company in Spreckels, California

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

Cheapest Spreckels, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Spreckels, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $3,488 $3,774 $3,975
GEICO $2,288 $2,572 $2,769
Liberty Mutual $2,593 $2,795 $2,926
Nationwide $3,655 $4,074 $4,303
Progressive $1,975 $2,222 $2,295
State Farm $3,352 $3,749 $3,978
Travelers $2,678 $3,123 $3,333
USAA $2,286 $2,580 $2,723

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What affects car insurance rates in Spreckels, California?

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

Commute Time in Spreckels

The more time you spend in your car the higher the risk of an accident. The average commute length in Spreckels, CA is 18.7 minutes according to City-Data.

Compare Car Insurance Quotes in Spreckels, CA

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