Buy Cheap Monterey, CA Auto Insurance (2021)

Monterey, CA auto insurance rates average $274 a month. Minimum auto insurance requirements in Monterey, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Monterey, CA, compare Monterey 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 Monterey, CA are $274/month
  • Average auto insurance rates in Monterey, CA for teens drivers are $5,564/year
  • The most expensive auto insurance company in Monterey is Allstate

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

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

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

Monterey, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Monterey, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,276 $2,276 $2,057 $2,057 $7,245 $11,858 $2,696 $3,004
GEICO $1,783 $1,784 $1,677 $1,677 $5,442 $5,538 $2,563 $2,620
Liberty Mutual $1,954 $1,853 $1,816 $1,760 $4,281 $4,538 $2,205 $2,220
Nationwide $2,986 $2,848 $2,616 $2,464 $7,654 $8,429 $3,574 $3,528
Progressive $1,441 $1,484 $1,211 $1,442 $3,769 $4,562 $2,058 $2,214
State Farm $2,620 $2,620 $2,339 $2,339 $4,815 $5,988 $2,897 $2,985
Travelers $2,077 $2,012 $1,846 $1,828 $4,250 $4,837 $2,683 $2,625
USAA $1,859 $1,764 $1,809 $1,819 $4,252 $4,278 $2,572 $2,434

Buy Cheap Monterey, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Monterey, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $7,245 $11,858
GEICO $5,442 $5,538
Liberty Mutual $4,281 $4,538
Nationwide $7,654 $8,429
Progressive $3,769 $4,562
State Farm $4,815 $5,988
Travelers $4,250 $4,837
USAA $4,252 $4,278

Buy Cheap Monterey, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Monterey, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $2,057 $2,057
GEICO $1,677 $1,677
Liberty Mutual $1,816 $1,760
Nationwide $2,616 $2,464
Progressive $1,211 $1,442
State Farm $2,339 $2,339
Travelers $1,846 $1,828
USAA $1,809 $1,819

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

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

Annual Auto Insurance Rates by Coverage Level in Monterey, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $3,894 $4,215 $4,443
GEICO $2,635 $2,917 $3,105
Liberty Mutual $2,419 $2,598 $2,717
Nationwide $3,842 $4,340 $4,605
Progressive $2,077 $2,333 $2,408
State Farm $2,980 $3,385 $3,612
Travelers $2,411 $2,846 $3,052
USAA $2,359 $2,648 $2,788

Find Cheap Monterey, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Monterey, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $3,796 $4,571
GEICO $2,621 $3,150
Liberty Mutual $2,368 $2,789
Nationwide $3,763 $4,762
Progressive $2,064 $2,481
State Farm $3,203 $3,448
Travelers $2,499 $3,041
USAA $2,394 $2,802

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Find Cheap Monterey, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Monterey, California

ZIP Code Average Annual Rates
93940 $4,102
93943 $4,497

Find Cheap Monterey, CA Auto Insurance Rates by Driving Record

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

Annual Monterey, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $3,093 $4,213 $5,247 $4,183
GEICO $2,017 $3,118 $3,906 $2,502
Liberty Mutual $2,238 $2,999 $2,705 $2,371
Nationwide $2,978 $3,814 $6,443 $3,814
Progressive $1,497 $2,522 $2,923 $2,149
State Farm $2,372 $2,830 $5,347 $2,754
Travelers $1,867 $3,007 $3,483 $2,722
USAA $1,726 $2,570 $4,206 $1,891

Find Cheap Monterey, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Monterey, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,445
Farmers $5,247
GEICO $3,906
Liberty Mutual $2,705
Nationwide $6,443
Progressive $2,923
State Farm $5,347
Travelers $3,483
USAA $4,206

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

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

Best Annual Auto Insurance Rates by Company in Monterey, California

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

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Find Cheap Monterey, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Monterey, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $4,184
GEICO $2,886
Liberty Mutual $2,578
Nationwide $4,262
Progressive $2,273
State Farm $3,326
Travelers $2,770
USAA $2,598

What affects Monterey, California auto insurance rates?

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

Auto Theft in Monterey

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Monterey, CA auto theft show a total of 80 vehicle thefts annually.

Commute Times in Monterey

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Monterey, CA is 30.4 minutes according to City-Data.

Traffic in Monterey

How is traffic in Monterey, California? Inrix data shows that Monterey, CA traffic makes it the 416th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Monterey, CA

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

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