Buy Cheap Carmel, CA Auto Insurance (2021)

Carmel, CA auto insurance rates average $262 a month. Minimum auto insurance requirements in Carmel, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Carmel, CA, compare Carmel 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
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Carmel, CA are $262/month
  • Average auto insurance rates in Carmel, CA after a DUI are $4,437/year
  • The most expensive auto insurance company in Carmel is Nationwide

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

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

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

Carmel, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carmel, 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 $2,331 $2,344 $1,702 $1,731 $6,371 $8,038 $3,023 $3,366
Farmers $2,180 $2,180 $1,972 $1,972 $6,972 $11,410 $2,586 $2,883
GEICO $1,593 $1,594 $1,499 $1,499 $4,845 $4,927 $2,288 $2,339
Liberty Mutual $1,945 $1,838 $1,814 $1,756 $4,213 $4,497 $2,186 $2,210
Nationwide $2,945 $2,810 $2,582 $2,433 $7,498 $8,272 $3,515 $3,470
Progressive $1,412 $1,450 $1,209 $1,426 $3,725 $4,471 $2,028 $2,175
State Farm $2,800 $2,800 $2,503 $2,503 $5,154 $6,400 $3,098 $3,194
Travelers $2,059 $1,996 $1,828 $1,809 $4,181 $4,780 $2,660 $2,604
USAA $2,030 $1,924 $1,972 $1,979 $4,716 $4,714 $2,790 $2,638

Buy Cheap Carmel, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Carmel, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,371 $8,038
Farmers $6,972 $11,410
GEICO $4,845 $4,927
Liberty Mutual $4,213 $4,497
Nationwide $7,498 $8,272
Progressive $3,725 $4,471
State Farm $5,154 $6,400
Travelers $4,181 $4,780
USAA $4,716 $4,714

Buy Cheap Carmel, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Carmel, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,702 $1,731
Farmers $1,972 $1,972
GEICO $1,499 $1,499
Liberty Mutual $1,814 $1,756
Nationwide $2,582 $2,433
Progressive $1,209 $1,426
State Farm $2,503 $2,503
Travelers $1,828 $1,809
USAA $1,972 $1,979

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

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

Annual Auto Insurance Rates by Coverage Level in Carmel, California

Insurance Company Low Medium High
Allstate $3,460 $3,639 $3,740
Farmers $3,740 $4,052 $4,266
GEICO $2,334 $2,603 $2,782
Liberty Mutual $2,383 $2,579 $2,711
Nationwide $3,764 $4,265 $4,542
Progressive $1,991 $2,308 $2,413
State Farm $3,198 $3,617 $3,855
Travelers $2,403 $2,812 $3,004
USAA $2,536 $2,909 $3,092

Find Cheap Carmel, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Carmel, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,266 $3,960
Farmers $3,647 $4,392
GEICO $2,338 $2,809
Liberty Mutual $2,348 $2,767
Nationwide $3,701 $4,680
Progressive $2,031 $2,443
State Farm $3,426 $3,687
Travelers $2,471 $3,008
USAA $2,618 $3,073

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Find Cheap Carmel, CA Auto Insurance Rates by Driving Record

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

Annual Carmel, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,178 $3,682 $5,735 $2,858
Farmers $2,973 $4,047 $5,038 $4,019
GEICO $1,800 $2,777 $3,484 $2,232
Liberty Mutual $2,220 $2,973 $2,685 $2,352
Nationwide $2,927 $3,750 $6,335 $3,750
Progressive $1,469 $2,489 $2,879 $2,112
State Farm $2,537 $3,027 $5,717 $2,945
Travelers $1,852 $2,969 $3,448 $2,690
USAA $1,888 $2,815 $4,611 $2,068

Find Cheap Carmel, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Carmel, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,735
Farmers $5,038
GEICO $3,484
Liberty Mutual $2,685
Nationwide $6,335
Progressive $2,879
State Farm $5,717
Travelers $3,448
USAA $4,611

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

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

Best Annual Auto Insurance Rates by Company in Carmel, California

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

Find Cheap Carmel, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Carmel, California

Insurance Company Average Annual Rates
Allstate $3,613
Farmers $4,019
GEICO $2,573
Liberty Mutual $2,558
Nationwide $4,191
Progressive $2,237
State Farm $3,557
Travelers $2,740
USAA $2,845

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What affects Carmel, California auto insurance rates?

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

Auto Theft in Carmel

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Carmel, CA auto theft show a total of 3 vehicle thefts annually.

Commute Times in Carmel

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

Compare Auto Insurance Quotes in Carmel, CA

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

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