Buy Cheap Los Osos, CA Auto Insurance (2021)

Los Osos, CA auto insurance rates average $235 a month. Minimum auto insurance requirements in Los Osos, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Los Osos, CA, compare Los Osos 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

  • The most expensive auto insurance company in Los Osos is Nationwide
  • Average auto insurance rates in Los Osos, CA after a DUI are $3,965/year
  • The most expensive auto insurance company in Los Osos after a DUI is Allstate

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

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

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

Los Osos, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Los Osos, 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 $2,179 $2,181 $1,605 $1,621 $6,059 $7,620 $2,796 $3,075
Farmers $1,818 $1,818 $1,643 $1,643 $5,779 $9,437 $2,153 $2,396
GEICO $1,511 $1,512 $1,421 $1,421 $4,594 $4,665 $2,170 $2,214
Liberty Mutual $1,771 $1,677 $1,645 $1,595 $3,830 $4,075 $1,994 $2,010
Nationwide $2,403 $2,294 $2,105 $1,986 $6,093 $6,709 $2,868 $2,834
Progressive $1,456 $1,496 $1,265 $1,486 $3,919 $4,692 $2,111 $2,265
State Farm $2,544 $2,544 $2,275 $2,275 $4,675 $5,791 $2,815 $2,905
Travelers $1,941 $1,883 $1,725 $1,708 $3,913 $4,469 $2,498 $2,448
USAA $1,689 $1,598 $1,653 $1,658 $3,820 $3,843 $2,337 $2,207

Buy Cheap Los Osos, CA Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,059 $7,620
Farmers $5,779 $9,437
GEICO $4,594 $4,665
Liberty Mutual $3,830 $4,075
Nationwide $6,093 $6,709
Progressive $3,919 $4,692
State Farm $4,675 $5,791
Travelers $3,913 $4,469
USAA $3,820 $3,843

Buy Cheap Los Osos, CA Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,605 $1,621
Farmers $1,643 $1,643
GEICO $1,421 $1,421
Liberty Mutual $1,645 $1,595
Nationwide $2,105 $1,986
Progressive $1,265 $1,486
State Farm $2,275 $2,275
Travelers $1,725 $1,708
USAA $1,653 $1,658

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

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

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

Insurance Company Low Medium High
Allstate $3,239 $3,418 $3,519
Farmers $3,097 $3,363 $3,548
GEICO $2,190 $2,469 $2,656
Liberty Mutual $2,172 $2,344 $2,458
Nationwide $3,081 $3,471 $3,683
Progressive $2,044 $2,415 $2,550
State Farm $2,930 $3,276 $3,479
Travelers $2,258 $2,641 $2,820
USAA $2,142 $2,394 $2,515

Find Cheap Los Osos, CA Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,068 $3,716
Farmers $3,027 $3,645
GEICO $2,215 $2,662
Liberty Mutual $2,136 $2,513
Nationwide $3,016 $3,807
Progressive $2,123 $2,550
State Farm $3,111 $3,345
Travelers $2,323 $2,823
USAA $2,167 $2,534

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

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

Annual Los Osos, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,055 $3,448 $5,376 $2,689
Farmers $2,470 $3,360 $4,180 $3,334
GEICO $1,704 $2,635 $3,301 $2,114
Liberty Mutual $2,017 $2,704 $2,440 $2,138
Nationwide $2,389 $3,056 $5,146 $3,056
Progressive $1,526 $2,603 $3,020 $2,197
State Farm $2,303 $2,747 $5,190 $2,673
Travelers $1,748 $2,784 $3,232 $2,527
USAA $1,565 $2,324 $3,800 $1,713

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,376
Farmers $4,180
GEICO $3,301
Liberty Mutual $2,440
Nationwide $5,146
Progressive $3,020
State Farm $5,190
Travelers $3,232
USAA $3,800

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

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

Best Annual Auto Insurance Rates by Company in Los Osos, 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

Find Cheap Los Osos, California Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,392
Farmers $3,336
GEICO $2,438
Liberty Mutual $2,325
Nationwide $3,412
Progressive $2,336
State Farm $3,228
Travelers $2,573
USAA $2,351

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What affects Los Osos, California auto insurance rates?

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

Commute Times in Los Osos

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Los Osos, CA is 24.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Los Osos, CA

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

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