Buy Cheap Carmel-By-The-Sea, CA Auto Insurance (2021)

Carmel-By-The-Sea, CA auto insurance rates average $260 a month. Minimum auto insurance requirements in Carmel-By-The-Sea, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Carmel-By-The-Sea, CA, compare Carmel-By-The-Sea 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 overwhelming world o...

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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
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Carmel-by-the-Sea, CA for teens drivers are $5,260/year
  • Average auto insurance rates in Carmel-by-the-Sea, CA after a DUI are $4,416/year
  • The most expensive auto insurance company in Carmel-by-the-Sea after a DUI is Allstate

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

See how Carmel-by-the-Sea, CA car insurance rates compare to Oakland auto insurance rates, Long Beach auto insurance rates, and Sacramento auto insurance rates before you read more about the cost of auto insurance in Carmel-by-the-Sea.

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

Carmel-by-the-Sea, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Carmel-by-the-Sea, 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 Carmel-by-the-Sea, CA Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carmel-by-the-Sea, 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 $2,066 $2,066 $1,867 $1,867 $6,576 $10,759 $2,448 $2,726
GEICO $1,432 $1,433 $1,348 $1,348 $4,339 $4,410 $2,054 $2,100
Liberty Mutual $1,945 $1,838 $1,814 $1,756 $4,213 $4,497 $2,186 $2,210
Nationwide $2,580 $2,463 $2,268 $2,138 $6,530 $7,207 $3,073 $3,033
Progressive $1,275 $1,309 $1,095 $1,289 $3,358 $4,024 $1,826 $1,958
State Farm $2,673 $2,673 $2,389 $2,389 $4,931 $6,127 $2,957 $3,048
Travelers $2,109 $2,042 $1,872 $1,853 $4,311 $4,917 $2,727 $2,667
USAA $2,030 $1,924 $1,972 $1,979 $4,716 $4,714 $2,790 $2,638

Buy Cheap Carmel-by-the-Sea, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Carmel-by-the-Sea, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $6,576 $10,759
GEICO $4,339 $4,410
Liberty Mutual $4,213 $4,497
Nationwide $6,530 $7,207
Progressive $3,358 $4,024
State Farm $4,931 $6,127
Travelers $4,311 $4,917
USAA $4,716 $4,714

Buy Cheap Carmel-by-the-Sea, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Carmel-by-the-Sea, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $1,867 $1,867
GEICO $1,348 $1,348
Liberty Mutual $1,814 $1,756
Nationwide $2,268 $2,138
Progressive $1,095 $1,289
State Farm $2,389 $2,389
Travelers $1,872 $1,853
USAA $1,972 $1,979

Find Cheap Auto Insurance Rates in Carmel-by-the-Sea, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Carmel-by-the-Sea, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $3,532 $3,826 $4,032
GEICO $2,079 $2,336 $2,509
Liberty Mutual $2,383 $2,579 $2,711
Nationwide $3,271 $3,726 $3,987
Progressive $1,791 $2,082 $2,177
State Farm $3,041 $3,458 $3,696
Travelers $2,453 $2,888 $3,095
USAA $2,536 $2,909 $3,092

Find Cheap Carmel-by-the-Sea, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Carmel-by-the-Sea, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $3,445 $4,148
GEICO $2,097 $2,519
Liberty Mutual $2,348 $2,767
Nationwide $3,237 $4,086
Progressive $1,831 $2,202
State Farm $3,274 $3,523
Travelers $2,536 $3,088
USAA $2,618 $3,073

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Find Cheap Carmel-by-the-Sea, CA Auto Insurance Rates by Driving Record

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

Annual Carmel-by-the-Sea, California Auto 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 $2,808 $3,823 $4,760 $3,796
GEICO $1,615 $2,488 $3,126 $2,003
Liberty Mutual $2,220 $2,973 $2,685 $2,352
Nationwide $2,560 $3,280 $5,527 $3,280
Progressive $1,326 $2,244 $2,590 $1,906
State Farm $2,426 $2,893 $5,461 $2,815
Travelers $1,894 $3,054 $3,539 $2,763
USAA $1,888 $2,815 $4,611 $2,068

Find Cheap Carmel-by-the-Sea, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Carmel-by-the-Sea, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,445
Farmers $4,760
GEICO $3,126
Liberty Mutual $2,685
Nationwide $5,527
Progressive $2,590
State Farm $5,461
Travelers $3,539
USAA $4,611

Winners by Category: Where to Buy Cheap Auto Insurance in Carmel-by-the-Sea, CA

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

Best Annual Auto Insurance Rates by Company in Carmel-by-the-Sea, California

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

Find Cheap Carmel-by-the-Sea, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Carmel-by-the-Sea, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $3,797
GEICO $2,308
Liberty Mutual $2,558
Nationwide $3,662
Progressive $2,017
State Farm $3,398
Travelers $2,812
USAA $2,845

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What affects Carmel-by-the-Sea, California auto insurance rates?

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

Commute Times in Carmel-by-the-Sea

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Carmel-by-the-Sea, CA is 24.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Carmel-by-the-Sea, CA

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

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