Buy Cheap Chico, CA Auto Insurance (2021)

Chico, CA auto insurance rates average $262 a month. Minimum auto insurance requirements in Chico, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Chico, CA, compare Chico 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 Chico after a DUI is Allstate
  • Average auto insurance rates in Chico, CA for teens drivers are $5,290/year
  • The most expensive auto insurance company in Chico is Nationwide

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

See how Chico, CA car insurance rates compare to Fresno auto insurance rates, Sacramento auto insurance rates, and Bakersfield auto insurance rates before you read more about the cost of auto insurance in Chico.

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

Chico, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chico, 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 $2,497 $2,503 $1,821 $1,844 $6,861 $8,633 $3,208 $3,540
Farmers $2,155 $2,155 $1,939 $1,939 $6,908 $11,367 $2,556 $2,848
GEICO $1,671 $1,672 $1,573 $1,573 $5,049 $5,140 $2,395 $2,454
Liberty Mutual $2,008 $1,902 $1,859 $1,801 $4,306 $4,587 $2,262 $2,285
Nationwide $2,822 $2,697 $2,477 $2,338 $7,114 $7,866 $3,368 $3,325
Progressive $1,600 $1,647 $1,362 $1,615 $4,257 $5,129 $2,302 $2,474
State Farm $2,688 $2,688 $2,400 $2,400 $4,926 $6,127 $2,971 $3,061
Travelers $2,095 $2,034 $1,850 $1,832 $4,220 $4,798 $2,688 $2,644
USAA $1,753 $1,661 $1,711 $1,719 $3,966 $3,988 $2,421 $2,289

Buy Cheap Chico, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chico, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,861 $8,633
Farmers $6,908 $11,367
GEICO $5,049 $5,140
Liberty Mutual $4,306 $4,587
Nationwide $7,114 $7,866
Progressive $4,257 $5,129
State Farm $4,926 $6,127
Travelers $4,220 $4,798
USAA $3,966 $3,988

Buy Cheap Chico, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chico, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,821 $1,844
Farmers $1,939 $1,939
GEICO $1,573 $1,573
Liberty Mutual $1,859 $1,801
Nationwide $2,477 $2,338
Progressive $1,362 $1,615
State Farm $2,400 $2,400
Travelers $1,850 $1,832
USAA $1,711 $1,719

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

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

Annual Auto Insurance Rates by Coverage Level in Chico, California

Insurance Company Low Medium High
Allstate $3,665 $3,895 $4,029
Farmers $3,729 $4,014 $4,208
GEICO $2,437 $2,721 $2,915
Liberty Mutual $2,447 $2,647 $2,784
Nationwide $3,575 $4,076 $4,352
Progressive $2,286 $2,625 $2,733
State Farm $3,060 $3,466 $3,697
Travelers $2,414 $2,842 $3,053
USAA $2,216 $2,485 $2,615

Find Cheap Chico, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Chico, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,486 $4,240
Farmers $3,615 $4,352
GEICO $2,445 $2,937
Liberty Mutual $2,410 $2,842
Nationwide $3,540 $4,462
Progressive $2,313 $2,784
State Farm $3,282 $3,533
Travelers $2,499 $3,041
USAA $2,248 $2,629

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Find Cheap Chico, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Chico, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Chico, CA to see how much where you live in Chico affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Chico, California

ZIP Code Average Annual Rates
95926 $4,167
95928 $4,219
95929 $4,593
95973 $4,159

Find Cheap Chico, CA Auto Insurance Rates by Driving Record

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

Annual Chico, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,330 $3,923 $6,144 $3,055
Farmers $2,944 $4,009 $4,997 $3,983
GEICO $1,884 $2,895 $3,647 $2,337
Liberty Mutual $2,278 $3,054 $2,757 $2,415
Nationwide $2,794 $3,582 $6,046 $3,582
Progressive $1,671 $2,835 $3,283 $2,405
State Farm $2,430 $2,899 $5,481 $2,821
Travelers $1,876 $3,002 $3,482 $2,720
USAA $1,623 $2,410 $3,945 $1,777

Find Cheap Chico, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chico, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,144
Farmers $4,997
GEICO $3,647
Liberty Mutual $2,757
Nationwide $6,046
Progressive $3,283
State Farm $5,481
Travelers $3,482
USAA $3,945

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

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

Best Annual Auto Insurance Rates by Company in Chico, 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

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Find Cheap Chico, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chico, California

Insurance Company Average Annual Rates
Allstate $3,863
Farmers $3,983
GEICO $2,691
Liberty Mutual $2,626
Nationwide $4,001
Progressive $2,548
State Farm $3,408
Travelers $2,770
USAA $2,439

What affects Chico, California auto insurance rates?

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

Auto Theft in Chico

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Chico, CA auto theft show a total of 315 vehicle thefts annually.

Commute Times in Chico

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chico, CA is 16.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Chico, CA

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

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