Affordable Car Insurance Rates in Monterey, CA (2024)
Car insurance rates in Monterey, CA are $274/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Monterey car insurance companies to get the coverage you need at the best rates available.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Monterey, CA for senior drivers are $1,953/year
- The annual number of car thefts in Monterey is 80.
- The cheapest car insurance company in Monterey after a DUI is Liberty Mutual
Average car insurance rates in Monterey, California are $274 a month. But with a little research you can get a great deal from the top car insurance companies in Monterey, CA. Before you buy Monterey, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.
It may even be helpful to compare Monterey car insurance rates with San Francisco car insurance rates, Anaheim car insurance rates, or Sacramento car insurance rates to make sure you’re getting the best Monterey, CA car insurance quotes available.
Need affordable Monterey, CA car insurance? Enter your ZIP code to compare Monterey car insurance quotes from multiple car insurance companies near you.
Monterey, CA Minimum Car Insurance Coverage
Monterey, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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Monterey, CA Car Insurance Rates by Coverage Level
Some Monterey drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Monterey, California car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,412 | $4,712 | $4,888 |
| Farmers | $3,894 | $4,215 | $4,443 |
| Geico | $2,635 | $2,917 | $3,105 |
| Liberty Mutual | $2,419 | $2,598 | $2,717 |
| Nationwide | $3,842 | $4,340 | $4,605 |
| Progressive | $2,077 | $2,333 | $2,408 |
| State Farm | $2,980 | $3,385 | $3,612 |
| Travelers | $2,411 | $2,846 | $3,052 |
| USAA | $2,359 | $2,648 | $2,788 |
Monterey, CA Car Insurance Rates by Age, Gender, and Marital Status
Monterey, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Monterey, CA car insurance, get quotes from multiple car insurance companies in the Monterey area and see how these criteria affect your rates.
| 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 | $2,276 | $2,276 | $2,057 | $2,057 | $7,245 | $11,858 | $2,696 | $3,004 |
| Geico | $1,783 | $1,784 | $1,677 | $1,677 | $5,442 | $5,538 | $2,563 | $2,620 |
| Liberty Mutual | $1,954 | $1,853 | $1,816 | $1,760 | $4,281 | $4,538 | $2,205 | $2,220 |
| Nationwide | $2,986 | $2,848 | $2,616 | $2,464 | $7,654 | $8,429 | $3,574 | $3,528 |
| Progressive | $1,441 | $1,484 | $1,211 | $1,442 | $3,769 | $4,562 | $2,058 | $2,214 |
| State Farm | $2,620 | $2,620 | $2,339 | $2,339 | $4,815 | $5,988 | $2,897 | $2,985 |
| Travelers | $2,077 | $2,012 | $1,846 | $1,828 | $4,250 | $4,837 | $2,683 | $2,625 |
| USAA | $1,859 | $1,764 | $1,809 | $1,819 | $4,252 | $4,278 | $2,572 | $2,434 |
Monterey, CA Car Insurance Rates for Teens
How much is Monterey, California car insurance for teens? Compare rates from top Monterey car insurance companies below to help find the cheapest teen car insurance in Monterey, CA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,363 | $10,517 |
| Farmers | $7,245 | $11,858 |
| Geico | $5,442 | $5,538 |
| Liberty Mutual | $4,281 | $4,538 |
| Nationwide | $7,654 | $8,429 |
| Progressive | $3,769 | $4,562 |
| State Farm | $4,815 | $5,988 |
| Travelers | $4,250 | $4,837 |
| USAA | $4,252 | $4,278 |
Monterey, CA Car Insurance Rates for Seniors
Before seniors buy Monterey, California car insurance, they should make sure to shop around. Some Monterey, CA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,191 | $2,210 |
| Farmers | $2,057 | $2,057 |
| Geico | $1,677 | $1,677 |
| Liberty Mutual | $1,816 | $1,760 |
| Nationwide | $2,616 | $2,464 |
| Progressive | $1,211 | $1,442 |
| State Farm | $2,339 | $2,339 |
| Travelers | $1,846 | $1,828 |
| USAA | $1,809 | $1,819 |
Monterey, CA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Monterey, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Monterey.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,812 | $4,734 | $7,445 | $3,691 |
| Farmers | $3,093 | $4,213 | $5,247 | $4,183 |
| Geico | $2,017 | $3,118 | $3,906 | $2,502 |
| Liberty Mutual | $2,238 | $2,999 | $2,705 | $2,371 |
| Nationwide | $2,978 | $3,814 | $6,443 | $3,814 |
| Progressive | $1,497 | $2,522 | $2,923 | $2,149 |
| State Farm | $2,372 | $2,830 | $5,347 | $2,754 |
| Travelers | $1,867 | $3,007 | $3,483 | $2,722 |
| USAA | $1,726 | $2,570 | $4,206 | $1,891 |
Monterey, CA Car Insurance Rates With a DUI
Even a single DUI can increase your Monterey, CA car insurance rates. Compare rates below to see which Monterey car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,445 |
| Farmers | $5,247 |
| Geico | $3,906 |
| Liberty Mutual | $2,705 |
| Nationwide | $6,443 |
| Progressive | $2,923 |
| State Farm | $5,347 |
| Travelers | $3,483 |
| USAA | $4,206 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Monterey, CA Car Insurance Rates by ZIP Code
Just like Monterey car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Monterey, CA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 93940 | $4,102 |
| 93943 | $4,497 |
Monterey, CA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Monterey, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Monterey companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,209 | $5,132 |
| Farmers | $3,796 | $4,571 |
| Geico | $2,621 | $3,150 |
| Liberty Mutual | $2,368 | $2,789 |
| Nationwide | $3,763 | $4,762 |
| Progressive | $2,064 | $2,481 |
| State Farm | $3,203 | $3,448 |
| Travelers | $2,499 | $3,041 |
| USAA | $2,394 | $2,802 |
Monterey, CA Cheapest Car Insurance Rates
How do the top Monterey, California car insurance companies’ average rates stack up against the Monterey average monthly car insurance rates of $274? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Progressive |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Progressive |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Monterey, CA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Monterey, California car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,671 |
| Farmers | $4,184 |
| Geico | $2,886 |
| Liberty Mutual | $2,578 |
| Nationwide | $4,262 |
| Progressive | $2,273 |
| State Farm | $3,326 |
| Travelers | $2,770 |
| USAA | $2,598 |
Other Factors Affecting Monterey, CA Car Insurance Rates
Before you buy Monterey, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Monterey, CA Car Theft Rates
The car theft rate in Monterey, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Monterey, California is 80 stolen cars.
Monterey, CA Commute Time
How does your Monterey, CA commute time compare with the average driver? In Monterey, the average commute is 30.4 minutes.
Monterey, CA Traffic
Spending time in Monterey traffic can lead to higher car insurance rates. According to INRIX data, Monterey, CA ranks as the 416th-most congested with traffic in the world.
Monterey, CA Car Insurance Quotes
Compare Monterey, CA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.