Buy Cheap Montecito, CA Auto Insurance (2021)

Montecito, CA auto insurance rates average $281 a month. Minimum auto insurance requirements in Montecito, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Montecito, CA, compare Montecito 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 Montecito, CA for teens drivers are $5,698/year
  • Average auto insurance rates in Montecito, CA after a DUI are $4,754/year
  • Average auto insurance rates in Montecito, CA are $281/month

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

See how Montecito, CA car insurance rates compare to Bakersfield auto insurance rates, San Francisco auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in Montecito.

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

Montecito, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Montecito, 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 $2,551 $2,546 $1,868 $1,879 $7,097 $8,903 $3,241 $3,534
Farmers $2,077 $2,077 $1,891 $1,891 $6,661 $10,857 $2,467 $2,755
GEICO $1,612 $1,613 $1,516 $1,516 $4,907 $4,995 $2,316 $2,369
Liberty Mutual $2,046 $1,931 $1,915 $1,853 $4,468 $4,774 $2,297 $2,323
Nationwide $3,083 $2,941 $2,696 $2,540 $7,877 $8,681 $3,680 $3,637
Progressive $1,981 $2,039 $1,686 $2,002 $5,333 $6,419 $2,861 $3,075
State Farm $3,067 $3,067 $2,743 $2,743 $5,686 $7,054 $3,398 $3,504
Travelers $2,298 $2,221 $2,040 $2,019 $4,778 $5,435 $2,985 $2,914
USAA $1,961 $1,858 $1,914 $1,921 $4,474 $4,506 $2,720 $2,570

Buy Cheap Montecito, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Montecito, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,097 $8,903
Farmers $6,661 $10,857
GEICO $4,907 $4,995
Liberty Mutual $4,468 $4,774
Nationwide $7,877 $8,681
Progressive $5,333 $6,419
State Farm $5,686 $7,054
Travelers $4,778 $5,435
USAA $4,474 $4,506

Buy Cheap Montecito, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Montecito, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,868 $1,879
Farmers $1,891 $1,891
GEICO $1,516 $1,516
Liberty Mutual $1,915 $1,853
Nationwide $2,696 $2,540
Progressive $1,686 $2,002
State Farm $2,743 $2,743
Travelers $2,040 $2,019
USAA $1,914 $1,921

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

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

Annual Auto Insurance Rates by Coverage Level in Montecito, California

Insurance Company Low Medium High
Allstate $3,724 $3,989 $4,144
Farmers $3,554 $3,868 $4,081
GEICO $2,372 $2,635 $2,810
Liberty Mutual $2,507 $2,727 $2,869
Nationwide $3,957 $4,466 $4,753
Progressive $2,833 $3,276 $3,414
State Farm $3,504 $3,980 $4,239
Travelers $2,673 $3,174 $3,411
USAA $2,494 $2,792 $2,936

Find Cheap Montecito, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Montecito, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,564 $4,340
Farmers $3,478 $4,190
GEICO $2,367 $2,844
Liberty Mutual $2,482 $2,920
Nationwide $3,875 $4,909
Progressive $2,877 $3,472
State Farm $3,766 $4,050
Travelers $2,780 $3,392
USAA $2,526 $2,955

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Find Cheap Montecito, CA Auto Insurance Rates by Driving Record

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

Annual Montecito, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,391 $4,001 $6,288 $3,128
Farmers $2,838 $3,863 $4,803 $3,834
GEICO $1,822 $2,812 $3,528 $2,260
Liberty Mutual $2,345 $3,140 $2,835 $2,484
Nationwide $3,067 $3,929 $6,643 $3,929
Progressive $2,075 $3,537 $4,092 $2,994
State Farm $2,791 $3,327 $6,274 $3,238
Travelers $2,060 $3,361 $3,889 $3,034
USAA $1,820 $2,711 $4,436 $1,994

Find Cheap Montecito, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Montecito, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,288
Farmers $4,803
GEICO $3,528
Liberty Mutual $2,835
Nationwide $6,643
Progressive $4,092
State Farm $6,274
Travelers $3,889
USAA $4,436

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

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

Best Annual Auto Insurance Rates by Company in Montecito, 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

Find Cheap Montecito, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Montecito, California

Insurance Company Average Annual Rates
Allstate $3,952
Farmers $3,834
GEICO $2,606
Liberty Mutual $2,701
Nationwide $4,392
Progressive $3,175
State Farm $3,908
Travelers $3,086
USAA $2,741

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What affects Montecito, California auto insurance rates?

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

Commute Times in Montecito

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Montecito, CA is 20.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Montecito, CA

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

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