Buy Cheap Aptos, CA Auto Insurance (2021)

Aptos, CA auto insurance rates average $264 a month. Minimum auto insurance requirements in Aptos, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Aptos, CA, compare Aptos auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
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UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Aptos, CA for teens drivers are $5,336/year
  • Average auto insurance rates in Aptos, CA are $264/month
  • Average auto insurance rates in Aptos, CA after a DUI are $4,439/year

Finding affordable Aptos, California auto insurance can be challenging, but everything you need to know to buy cheap Aptos, CA auto insurance with confidence is right here. Auto insurance rates in Aptos are affected by local factors as well as personal ones like your driving record.

See how Aptos, CA car insurance rates compare to Fresno auto insurance rates, Los Angeles auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in Aptos.

Don’t buy Aptos, CA auto insurance until you’ve compared rates. Get free Aptos, California auto insurance quotes when you enter your ZIP code above.

Aptos, CA Minimum Auto Insurance Requirements

The required auto insurance in Aptos, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Aptos, California is outlined here.

Minimum Required Auto Insurance Coverage in Aptos, 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

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Buy Cheap Aptos, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Aptos, California auto insurance rates? Find out how car insurance rates in Aptos, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Aptos, 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 $2,384 $2,385 $1,751 $1,765 $6,642 $8,355 $3,044 $3,339
Farmers $2,219 $2,219 $1,998 $1,998 $7,084 $11,646 $2,630 $2,930
GEICO $1,544 $1,544 $1,452 $1,452 $4,705 $4,776 $2,218 $2,262
Liberty Mutual $2,043 $1,933 $1,904 $1,845 $4,464 $4,754 $2,300 $2,319
Nationwide $2,977 $2,841 $2,601 $2,452 $7,597 $8,369 $3,563 $3,523
Progressive $1,513 $1,553 $1,296 $1,528 $4,015 $4,810 $2,172 $2,328
State Farm $2,700 $2,700 $2,413 $2,413 $4,958 $6,146 $2,989 $3,082
Travelers $2,205 $2,136 $1,954 $1,934 $4,516 $5,164 $2,856 $2,797
USAA $1,771 $1,680 $1,724 $1,734 $4,044 $4,075 $2,456 $2,324

Buy Cheap Aptos, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Aptos can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Aptos, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Aptos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,642 $8,355
Farmers $7,084 $11,646
GEICO $4,705 $4,776
Liberty Mutual $4,464 $4,754
Nationwide $7,597 $8,369
Progressive $4,015 $4,810
State Farm $4,958 $6,146
Travelers $4,516 $5,164
USAA $4,044 $4,075

Buy Cheap Aptos, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Aptos, California by comparing Aptos senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Aptos, CA here.

Annual Auto Insurance Rates for Senior Drivers in Aptos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,751 $1,765
Farmers $1,998 $1,998
GEICO $1,452 $1,452
Liberty Mutual $1,904 $1,845
Nationwide $2,601 $2,452
Progressive $1,296 $1,528
State Farm $2,413 $2,413
Travelers $1,954 $1,934
USAA $1,724 $1,734

Find Cheap Auto Insurance Rates in Aptos, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Aptos, California auto insurance. Compare Aptos, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Aptos, California

Insurance Company Low Medium High
Allstate $3,521 $3,739 $3,864
Farmers $3,826 $4,120 $4,326
GEICO $2,262 $2,525 $2,696
Liberty Mutual $2,512 $2,721 $2,853
Nationwide $3,835 $4,316 $4,570
Progressive $2,130 $2,483 $2,593
State Farm $3,107 $3,479 $3,689
Travelers $2,581 $3,025 $3,230
USAA $2,259 $2,521 $2,648

Find Cheap Aptos, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Aptos. Compare auto insurance rates in Aptos, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Aptos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,348 $4,068
Farmers $3,712 $4,469
GEICO $2,265 $2,723
Liberty Mutual $2,477 $2,914
Nationwide $3,745 $4,736
Progressive $2,178 $2,626
State Farm $3,301 $3,549
Travelers $2,653 $3,238
USAA $2,283 $2,669

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Find Cheap Aptos, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Aptos, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Aptos, CA, take a look at the average cost for various violations versus rates for a clean driving record in Aptos.

Annual Aptos, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,246 $3,759 $5,888 $2,940
Farmers $3,022 $4,117 $5,134 $4,090
GEICO $1,743 $2,696 $3,376 $2,162
Liberty Mutual $2,340 $3,134 $2,828 $2,479
Nationwide $2,962 $3,794 $6,412 $3,794
Progressive $1,576 $2,676 $3,085 $2,271
State Farm $2,443 $2,914 $5,507 $2,836
Travelers $1,982 $3,193 $3,714 $2,893
USAA $1,646 $2,450 $4,004 $1,803

Find Cheap Aptos, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Aptos, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Aptos for less when you shop around and compare rates from multiple Aptos, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Aptos, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,888
Farmers $5,134
GEICO $3,376
Liberty Mutual $2,828
Nationwide $6,412
Progressive $3,085
State Farm $5,507
Travelers $3,714
USAA $4,004

Winners by Category: Where to Buy Cheap Auto Insurance in Aptos, CA

Compare rates from the cheapest auto insurance companies in Aptos, CA for your needs. Take a look at how Aptos, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Aptos, California

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

Find Cheap Aptos, California Auto Insurance Companies

If you’re looking for the cheapest Aptos, CA auto insurance companies overall, you can compare them here. Find the best price for Aptos, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Aptos, California

Insurance Company Average Annual Rates
Allstate $3,708
Farmers $4,091
GEICO $2,494
Liberty Mutual $2,695
Nationwide $4,240
Progressive $2,402
State Farm $3,425
Travelers $2,945
USAA $2,476

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What affects Aptos, California auto insurance rates?

Local factors affect auto insurance rates in Aptos, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Aptos auto insurance rates.

Commute Times in Aptos

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Aptos, CA is 26.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Aptos, CA

You can buy cheap Aptos, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Aptos, California auto insurance quotes from top companies.

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