Buy Cheap Live Oak, CA Auto Insurance (2021)

Live Oak, CA auto insurance rates average $266 a month. Minimum auto insurance requirements in Live Oak, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Live Oak, CA, compare Live Oak 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 Live Oak is Farmers
  • Average auto insurance rates in Live Oak, CA are $266/month
  • The most expensive auto insurance company in Live Oak after a DUI is Nationwide

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

See how Live Oak, CA car insurance rates compare to Anaheim auto insurance rates, Los Angeles auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in Live Oak.

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

Live Oak, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Live Oak, 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 $2,407 $2,410 $1,765 $1,782 $6,688 $8,412 $3,078 $3,382
Farmers $2,296 $2,296 $2,071 $2,071 $7,339 $12,041 $2,723 $3,033
GEICO $1,618 $1,619 $1,523 $1,523 $4,903 $4,986 $2,321 $2,374
Liberty Mutual $2,126 $2,016 $1,976 $1,916 $4,655 $4,943 $2,400 $2,416
Nationwide $2,852 $2,722 $2,504 $2,361 $7,234 $7,988 $3,403 $3,357
Progressive $1,492 $1,534 $1,275 $1,508 $3,967 $4,765 $2,143 $2,300
State Farm $2,790 $2,790 $2,493 $2,493 $5,122 $6,351 $3,088 $3,185
Travelers $2,211 $2,142 $1,958 $1,938 $4,522 $5,166 $2,861 $2,802
USAA $1,777 $1,684 $1,734 $1,741 $4,041 $4,061 $2,452 $2,318

Buy Cheap Live Oak, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Live Oak, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,688 $8,412
Farmers $7,339 $12,041
GEICO $4,903 $4,986
Liberty Mutual $4,655 $4,943
Nationwide $7,234 $7,988
Progressive $3,967 $4,765
State Farm $5,122 $6,351
Travelers $4,522 $5,166
USAA $4,041 $4,061

Buy Cheap Live Oak, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Live Oak, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,765 $1,782
Farmers $2,071 $2,071
GEICO $1,523 $1,523
Liberty Mutual $1,976 $1,916
Nationwide $2,504 $2,361
Progressive $1,275 $1,508
State Farm $2,493 $2,493
Travelers $1,958 $1,938
USAA $1,734 $1,741

Find Cheap Auto Insurance Rates in Live Oak, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Live Oak, California

Insurance Company Low Medium High
Allstate $3,551 $3,772 $3,898
Farmers $3,950 $4,266 $4,485
GEICO $2,353 $2,639 $2,834
Liberty Mutual $2,624 $2,830 $2,964
Nationwide $3,627 $4,128 $4,403
Progressive $2,117 $2,449 $2,553
State Farm $3,208 $3,595 $3,814
Travelers $2,581 $3,029 $3,239
USAA $2,241 $2,525 $2,662

Find Cheap Live Oak, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Live Oak, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,377 $4,104
Farmers $3,842 $4,626
GEICO $2,370 $2,847
Liberty Mutual $2,578 $3,034
Nationwide $3,583 $4,523
Progressive $2,153 $2,593
State Farm $3,411 $3,667
Travelers $2,658 $3,242
USAA $2,282 $2,670

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Find Cheap Live Oak, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Live Oak, California

ZIP Code Average Annual Rates
95062 $4,180
95065 $4,156
95953 $4,771

Find Cheap Live Oak, CA Auto Insurance Rates by Driving Record

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

Annual Live Oak, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,264 $3,794 $5,941 $2,964
Farmers $3,130 $4,262 $5,310 $4,233
GEICO $1,825 $2,812 $3,533 $2,264
Liberty Mutual $2,435 $3,264 $2,944 $2,580
Nationwide $2,831 $3,628 $6,124 $3,628
Progressive $1,558 $2,642 $3,051 $2,242
State Farm $2,524 $3,011 $5,691 $2,930
Travelers $1,985 $3,200 $3,718 $2,897
USAA $1,647 $2,449 $4,005 $1,803

Find Cheap Live Oak, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Live Oak, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,941
Farmers $5,310
GEICO $3,533
Liberty Mutual $2,944
Nationwide $6,124
Progressive $3,051
State Farm $5,691
Travelers $3,718
USAA $4,005

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

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

Best Annual Auto Insurance Rates by Company in Live Oak, California

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

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Find Cheap Live Oak, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Live Oak, California

Insurance Company Average Annual Rates
Allstate $3,741
Farmers $4,234
GEICO $2,608
Liberty Mutual $2,806
Nationwide $4,053
Progressive $2,373
State Farm $3,539
Travelers $2,950
USAA $2,476

What affects Live Oak, California auto insurance rates?

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

Commute Times in Live Oak

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Live Oak, CA is 26.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Live Oak, CA

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

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