Buy Cheap Morgan Hill, CA Auto Insurance (2022)

Morgan Hill, CA auto insurance rates average $267 a month. Minimum auto insurance requirements in Morgan Hill, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Morgan Hill, CA, compare Morgan Hill 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 Morgan Hill is Farmers
  • Average auto insurance rates in Morgan Hill, CA are $267/month
  • Average auto insurance rates in Morgan Hill, CA for teens drivers are $5,401/year

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

See how Morgan Hill, CA car insurance rates compare to Anaheim auto insurance rates, Fresno auto insurance rates, and Oakland auto insurance rates before you read more about the cost of auto insurance in Morgan Hill.

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

Morgan Hill, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Morgan Hill, 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 $2,532 $2,533 $1,854 $1,873 $7,074 $8,899 $3,248 $3,571
Farmers $2,349 $2,349 $2,120 $2,120 $7,563 $12,438 $2,791 $3,113
GEICO $1,574 $1,574 $1,480 $1,480 $4,801 $4,878 $2,262 $2,308
Liberty Mutual $2,148 $2,034 $2,004 $1,940 $4,719 $5,017 $2,422 $2,442
Nationwide $2,807 $2,678 $2,462 $2,320 $7,157 $7,889 $3,352 $3,309
Progressive $1,434 $1,475 $1,216 $1,441 $3,782 $4,555 $2,050 $2,202
State Farm $2,674 $2,674 $2,389 $2,389 $4,901 $6,065 $2,961 $3,055
Travelers $2,232 $2,161 $1,981 $1,960 $4,590 $5,253 $2,898 $2,833
USAA $1,765 $1,671 $1,723 $1,729 $4,022 $4,048 $2,444 $2,309

Buy Cheap Morgan Hill, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Morgan Hill, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,074 $8,899
Farmers $7,563 $12,438
GEICO $4,801 $4,878
Liberty Mutual $4,719 $5,017
Nationwide $7,157 $7,889
Progressive $3,782 $4,555
State Farm $4,901 $6,065
Travelers $4,590 $5,253
USAA $4,022 $4,048

Buy Cheap Morgan Hill, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Morgan Hill, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,854 $1,873
Farmers $2,120 $2,120
GEICO $1,480 $1,480
Liberty Mutual $2,004 $1,940
Nationwide $2,462 $2,320
Progressive $1,216 $1,441
State Farm $2,389 $2,389
Travelers $1,981 $1,960
USAA $1,723 $1,729

Find Cheap Auto Insurance Rates in Morgan Hill, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Morgan Hill, California

Insurance Company Low Medium High
Allstate $3,756 $3,980 $4,108
Farmers $4,075 $4,390 $4,601
GEICO $2,309 $2,574 $2,750
Liberty Mutual $2,652 $2,866 $3,005
Nationwide $3,595 $4,069 $4,326
Progressive $2,048 $2,337 $2,423
State Farm $3,096 $3,438 $3,632
Travelers $2,617 $3,069 $3,279
USAA $2,241 $2,510 $2,640

Find Cheap Morgan Hill, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Morgan Hill, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,566 $4,329
Farmers $3,952 $4,759
GEICO $2,311 $2,778
Liberty Mutual $2,609 $3,073
Nationwide $3,531 $4,463
Progressive $2,059 $2,479
State Farm $3,267 $3,510
Travelers $2,692 $3,285
USAA $2,271 $2,656

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Find Cheap Morgan Hill, CA Auto Insurance Rates by Driving Record

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

Annual Morgan Hill, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,383 $4,011 $6,273 $3,124
Farmers $3,219 $4,383 $5,463 $4,356
GEICO $1,778 $2,751 $3,443 $2,205
Liberty Mutual $2,467 $3,304 $2,980 $2,613
Nationwide $2,793 $3,578 $6,038 $3,578
Progressive $1,493 $2,523 $2,914 $2,146
State Farm $2,416 $2,883 $5,450 $2,805
Travelers $2,005 $3,244 $3,769 $2,935
USAA $1,639 $2,438 $3,984 $1,794

Find Cheap Morgan Hill, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Morgan Hill, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,273
Farmers $5,463
GEICO $3,443
Liberty Mutual $2,980
Nationwide $6,038
Progressive $2,914
State Farm $5,450
Travelers $3,769
USAA $3,984

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

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

Best Annual Auto Insurance Rates by Company in Morgan Hill, California

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

Find Cheap Morgan Hill, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Morgan Hill, California

Insurance Company Average Annual Rates
Allstate $3,948
Farmers $4,355
GEICO $2,544
Liberty Mutual $2,841
Nationwide $3,997
Progressive $2,269
State Farm $3,388
Travelers $2,988
USAA $2,464

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What affects Morgan Hill, California auto insurance rates?

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

Auto Theft in Morgan Hill

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Morgan Hill, CA auto theft show a total of 114 vehicle thefts annually.

Commute Times in Morgan Hill

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Morgan Hill, CA is 37.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Morgan Hill, CA

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

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