Buy Cheap Los Gatos, CA Auto Insurance (2021)

Los Gatos, CA auto insurance rates average $284 a month. Minimum auto insurance requirements in Los Gatos, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Los Gatos, CA, compare Los Gatos 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 overwhelming world o...

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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 Los Gatos, CA for teens drivers are $5,776/year
  • The most expensive auto insurance company in Los Gatos after a DUI is Nationwide
  • The most expensive auto insurance company in Los Gatos is Farmers

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

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

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

Los Gatos, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Los Gatos, 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 $2,615 $2,612 $1,926 $1,936 $7,381 $9,283 $3,336 $3,644
Farmers $2,422 $2,422 $2,193 $2,193 $7,824 $12,861 $2,882 $3,219
GEICO $1,599 $1,600 $1,504 $1,504 $4,880 $4,960 $2,298 $2,346
Liberty Mutual $2,074 $1,960 $1,939 $1,879 $4,570 $4,868 $2,334 $2,352
Nationwide $3,145 $3,000 $2,745 $2,585 $8,089 $8,896 $3,777 $3,733
Progressive $1,824 $1,877 $1,539 $1,831 $4,870 $5,859 $2,608 $2,801
State Farm $2,957 $2,957 $2,644 $2,644 $5,468 $6,776 $3,276 $3,379
Travelers $2,291 $2,214 $2,034 $2,013 $4,771 $5,418 $2,969 $2,906
USAA $1,821 $1,724 $1,778 $1,785 $4,132 $4,172 $2,530 $2,390

Buy Cheap Los Gatos, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Los Gatos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,381 $9,283
Farmers $7,824 $12,861
GEICO $4,880 $4,960
Liberty Mutual $4,570 $4,868
Nationwide $8,089 $8,896
Progressive $4,870 $5,859
State Farm $5,468 $6,776
Travelers $4,771 $5,418
USAA $4,132 $4,172

Buy Cheap Los Gatos, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Los Gatos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,926 $1,936
Farmers $2,193 $2,193
GEICO $1,504 $1,504
Liberty Mutual $1,939 $1,879
Nationwide $2,745 $2,585
Progressive $1,539 $1,831
State Farm $2,644 $2,644
Travelers $2,034 $2,013
USAA $1,778 $1,785

Find Cheap Auto Insurance Rates in Los Gatos, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Los Gatos, California

Insurance Company Low Medium High
Allstate $3,891 $4,125 $4,259
Farmers $4,211 $4,538 $4,756
GEICO $2,376 $2,615 $2,768
Liberty Mutual $2,559 $2,774 $2,908
Nationwide $4,084 $4,578 $4,827
Progressive $2,614 $2,996 $3,093
State Farm $3,394 $3,828 $4,065
Travelers $2,670 $3,170 $3,391
USAA $2,327 $2,587 $2,710

Find Cheap Los Gatos, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Los Gatos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,696 $4,488
Farmers $4,085 $4,919
GEICO $2,349 $2,823
Liberty Mutual $2,525 $2,969
Nationwide $3,968 $5,024
Progressive $2,625 $3,178
State Farm $3,627 $3,898
Travelers $2,770 $3,384
USAA $2,345 $2,738

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Find Cheap Los Gatos, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Los Gatos, California

ZIP Code Average Annual Rates
95030 $4,651
95032 $4,695
95033 $4,922

Find Cheap Los Gatos, CA Auto Insurance Rates by Driving Record

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

Annual Los Gatos, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,476 $4,149 $6,499 $3,244
Farmers $3,326 $4,531 $5,647 $4,503
GEICO $1,808 $2,794 $3,500 $2,242
Liberty Mutual $2,385 $3,194 $2,882 $2,527
Nationwide $3,140 $4,021 $6,802 $4,021
Progressive $1,906 $3,234 $3,715 $2,750
State Farm $2,687 $3,203 $6,044 $3,117
Travelers $2,061 $3,340 $3,879 $3,028
USAA $1,690 $2,516 $4,108 $1,851

Find Cheap Los Gatos, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Los Gatos, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,499
Farmers $5,647
GEICO $3,500
Liberty Mutual $2,882
Nationwide $6,802
Progressive $3,715
State Farm $6,044
Travelers $3,879
USAA $4,108

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

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

Best Annual Auto Insurance Rates by Company in Los Gatos, California

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

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Find Cheap Los Gatos, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Los Gatos, California

Insurance Company Average Annual Rates
Allstate $4,092
Farmers $4,502
GEICO $2,586
Liberty Mutual $2,747
Nationwide $4,496
Progressive $2,901
State Farm $3,763
Travelers $3,077
USAA $2,541

What affects Los Gatos, California auto insurance rates?

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

Auto Theft in Los Gatos

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Los Gatos, CA auto theft show a total of 41 vehicle thefts annually.

Commute Times in Los Gatos

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Los Gatos, CA is 30.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Los Gatos, CA

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

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