Buy Cheap Gilroy, CA Auto Insurance (2021)

Gilroy, CA auto insurance rates average $277 a month. Minimum auto insurance requirements in Gilroy, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Gilroy, CA, compare Gilroy 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 Gilroy is Farmers
  • Average auto insurance rates in Gilroy, CA after a DUI are $4,648/year
  • Average auto insurance rates in Gilroy, CA for teens drivers are $5,589/year

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

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

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

Gilroy, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gilroy, 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 $2,520 $2,521 $1,846 $1,865 $7,031 $8,844 $3,236 $3,557
Farmers $2,545 $2,545 $2,298 $2,298 $8,168 $13,420 $3,021 $3,370
GEICO $1,681 $1,682 $1,581 $1,581 $5,113 $5,205 $2,414 $2,470
Liberty Mutual $2,034 $1,926 $1,895 $1,836 $4,441 $4,727 $2,292 $2,311
Nationwide $2,764 $2,639 $2,420 $2,281 $7,030 $7,748 $3,303 $3,264
Progressive $1,702 $1,753 $1,433 $1,708 $4,515 $5,451 $2,437 $2,622
State Farm $3,013 $3,013 $2,693 $2,693 $5,544 $6,865 $3,338 $3,443
Travelers $2,222 $2,152 $1,972 $1,951 $4,560 $5,223 $2,886 $2,821
USAA $1,721 $1,631 $1,681 $1,689 $3,897 $3,930 $2,389 $2,258

Buy Cheap Gilroy, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gilroy, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,031 $8,844
Farmers $8,168 $13,420
GEICO $5,113 $5,205
Liberty Mutual $4,441 $4,727
Nationwide $7,030 $7,748
Progressive $4,515 $5,451
State Farm $5,544 $6,865
Travelers $4,560 $5,223
USAA $3,897 $3,930

Buy Cheap Gilroy, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gilroy, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,846 $1,865
Farmers $2,298 $2,298
GEICO $1,581 $1,581
Liberty Mutual $1,895 $1,836
Nationwide $2,420 $2,281
Progressive $1,433 $1,708
State Farm $2,693 $2,693
Travelers $1,972 $1,951
USAA $1,681 $1,689

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

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

Annual Auto Insurance Rates by Coverage Level in Gilroy, California

Insurance Company Low Medium High
Allstate $3,740 $3,959 $4,085
Farmers $4,401 $4,744 $4,980
GEICO $2,488 $2,745 $2,916
Liberty Mutual $2,501 $2,707 $2,840
Nationwide $3,542 $4,001 $4,251
Progressive $2,452 $2,782 $2,874
State Farm $3,477 $3,886 $4,113
Travelers $2,606 $3,052 $3,262
USAA $2,198 $2,442 $2,559

Find Cheap Gilroy, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Gilroy, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,549 $4,307
Farmers $4,272 $5,144
GEICO $2,468 $2,965
Liberty Mutual $2,464 $2,901
Nationwide $3,473 $4,389
Progressive $2,450 $2,955
State Farm $3,688 $3,963
Travelers $2,678 $3,268
USAA $2,213 $2,586

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Find Cheap Gilroy, CA Auto Insurance Rates by Driving Record

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

Annual Gilroy, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,371 $3,992 $6,240 $3,108
Farmers $3,478 $4,739 $5,907 $4,708
GEICO $1,900 $2,929 $3,678 $2,357
Liberty Mutual $2,329 $3,120 $2,815 $2,467
Nationwide $2,748 $3,519 $5,939 $3,519
Progressive $1,776 $3,006 $3,472 $2,557
State Farm $2,729 $3,255 $6,149 $3,168
Travelers $1,996 $3,228 $3,750 $2,920
USAA $1,597 $2,373 $3,880 $1,748

Find Cheap Gilroy, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gilroy, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,240
Farmers $5,907
GEICO $3,678
Liberty Mutual $2,815
Nationwide $5,939
Progressive $3,472
State Farm $6,149
Travelers $3,750
USAA $3,880

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

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

Best Annual Auto Insurance Rates by Company in Gilroy, 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 Gilroy, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gilroy, California

Insurance Company Average Annual Rates
Allstate $3,928
Farmers $4,708
GEICO $2,716
Liberty Mutual $2,683
Nationwide $3,931
Progressive $2,703
State Farm $3,825
Travelers $2,973
USAA $2,400

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What affects Gilroy, California auto insurance rates?

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

Auto Theft in Gilroy

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gilroy, CA auto theft show a total of 381 vehicle thefts annually.

Commute Times in Gilroy

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gilroy, CA is 36.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Gilroy, CA

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

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