Buy Cheap Cayucos, CA Auto Insurance (2021)

Cayucos, CA auto insurance rates average $238 a month. Minimum auto insurance requirements in Cayucos, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Cayucos, CA, compare Cayucos 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

  • The most expensive auto insurance company in Cayucos after a DUI is Allstate
  • Average auto insurance rates in Cayucos, CA after a DUI are $4,004/year
  • Average auto insurance rates in Cayucos, CA for teens drivers are $4,791/year

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

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

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

Cayucos, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Cayucos, 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 $2,159 $2,162 $1,591 $1,607 $6,001 $7,549 $2,772 $3,051
Farmers $1,731 $1,731 $1,561 $1,561 $5,496 $8,999 $2,049 $2,280
GEICO $1,561 $1,562 $1,468 $1,468 $4,755 $4,842 $2,243 $2,295
Liberty Mutual $1,786 $1,692 $1,658 $1,609 $3,864 $4,109 $2,011 $2,028
Nationwide $2,439 $2,329 $2,148 $2,025 $6,170 $6,809 $2,901 $2,862
Progressive $1,542 $1,583 $1,341 $1,574 $4,164 $4,977 $2,236 $2,398
State Farm $2,483 $2,483 $2,219 $2,219 $4,549 $5,644 $2,746 $2,831
Travelers $2,060 $1,999 $1,829 $1,809 $4,162 $4,792 $2,669 $2,611
USAA $1,739 $1,645 $1,699 $1,703 $3,957 $3,975 $2,401 $2,267

Buy Cheap Cayucos, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cayucos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,001 $7,549
Farmers $5,496 $8,999
GEICO $4,755 $4,842
Liberty Mutual $3,864 $4,109
Nationwide $6,170 $6,809
Progressive $4,164 $4,977
State Farm $4,549 $5,644
Travelers $4,162 $4,792
USAA $3,957 $3,975

Buy Cheap Cayucos, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cayucos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,591 $1,607
Farmers $1,561 $1,561
GEICO $1,468 $1,468
Liberty Mutual $1,658 $1,609
Nationwide $2,148 $2,025
Progressive $1,341 $1,574
State Farm $2,219 $2,219
Travelers $1,829 $1,809
USAA $1,699 $1,703

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

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

Annual Auto Insurance Rates by Coverage Level in Cayucos, California

Insurance Company Low Medium High
Allstate $3,213 $3,386 $3,485
Farmers $2,958 $3,200 $3,370
GEICO $2,295 $2,552 $2,726
Liberty Mutual $2,191 $2,364 $2,479
Nationwide $3,091 $3,522 $3,769
Progressive $2,158 $2,565 $2,709
State Farm $2,849 $3,194 $3,397
Travelers $2,428 $2,809 $2,988
USAA $2,195 $2,471 $2,604

Find Cheap Cayucos, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Cayucos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,041 $3,682
Farmers $2,882 $3,470
GEICO $2,293 $2,755
Liberty Mutual $2,154 $2,535
Nationwide $3,060 $3,861
Progressive $2,248 $2,705
State Farm $3,032 $3,262
Travelers $2,471 $3,011
USAA $2,234 $2,613

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Find Cheap Cayucos, CA Auto Insurance Rates by Driving Record

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

Annual Cayucos, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,037 $3,418 $5,326 $2,665
Farmers $2,349 $3,198 $3,982 $3,175
GEICO $1,765 $2,725 $3,418 $2,190
Liberty Mutual $2,034 $2,727 $2,461 $2,156
Nationwide $2,421 $3,100 $5,219 $3,100
Progressive $1,617 $2,763 $3,198 $2,330
State Farm $2,243 $2,677 $5,062 $2,605
Travelers $1,855 $2,966 $3,455 $2,690
USAA $1,612 $2,397 $3,918 $1,765

Find Cheap Cayucos, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cayucos, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,326
Farmers $3,982
GEICO $3,418
Liberty Mutual $2,461
Nationwide $5,219
Progressive $3,198
State Farm $5,062
Travelers $3,455
USAA $3,918

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

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

Best Annual Auto Insurance Rates by Company in Cayucos, California

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

Find Cheap Cayucos, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cayucos, California

Insurance Company Average Annual Rates
Allstate $3,362
Farmers $3,176
GEICO $2,524
Liberty Mutual $2,345
Nationwide $3,460
Progressive $2,477
State Farm $3,147
Travelers $2,741
USAA $2,423

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What affects Cayucos, California auto insurance rates?

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

Commute Times in Cayucos

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Cayucos, CA is 24.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Cayucos, CA

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

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