Buy Cheap Morro Bay, CA Auto Insurance (2021)

Morro Bay, CA auto insurance rates average $234 a month. Minimum auto insurance requirements in Morro Bay, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Morro Bay, CA, compare Morro Bay 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 Morro Bay, CA after a DUI are $3,946/year
  • The most expensive auto insurance company in Morro Bay is Allstate
  • Average auto insurance rates in Morro Bay, CA for teens drivers are $4,719/year

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

See how Morro Bay, CA car insurance rates compare to Anaheim auto insurance rates, San Jose auto insurance rates, and Fresno auto insurance rates before you read more about the cost of auto insurance in Morro Bay.

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

Morro Bay, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Morro Bay, 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 $2,182 $2,185 $1,607 $1,623 $6,065 $7,629 $2,800 $3,081
Farmers $1,718 $1,718 $1,556 $1,556 $5,452 $8,885 $2,034 $2,264
GEICO $1,612 $1,613 $1,516 $1,516 $4,907 $4,995 $2,316 $2,369
Liberty Mutual $1,835 $1,738 $1,703 $1,650 $3,934 $4,196 $2,065 $2,086
Nationwide $2,369 $2,262 $2,080 $1,962 $5,989 $6,602 $2,820 $2,785
Progressive $1,331 $1,367 $1,156 $1,358 $3,553 $4,257 $1,926 $2,067
State Farm $2,423 $2,423 $2,166 $2,166 $4,444 $5,511 $2,680 $2,764
Travelers $2,038 $1,978 $1,810 $1,790 $4,115 $4,730 $2,636 $2,581
USAA $1,760 $1,667 $1,718 $1,724 $4,015 $4,028 $2,426 $2,292

Buy Cheap Morro Bay, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Morro Bay, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,065 $7,629
Farmers $5,452 $8,885
GEICO $4,907 $4,995
Liberty Mutual $3,934 $4,196
Nationwide $5,989 $6,602
Progressive $3,553 $4,257
State Farm $4,444 $5,511
Travelers $4,115 $4,730
USAA $4,015 $4,028

Buy Cheap Morro Bay, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Morro Bay, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,607 $1,623
Farmers $1,556 $1,556
GEICO $1,516 $1,516
Liberty Mutual $1,703 $1,650
Nationwide $2,080 $1,962
Progressive $1,156 $1,358
State Farm $2,166 $2,166
Travelers $1,810 $1,790
USAA $1,718 $1,724

Find Cheap Auto Insurance Rates in Morro Bay, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Morro Bay, California

Insurance Company Low Medium High
Allstate $3,244 $3,422 $3,524
Farmers $2,916 $3,174 $3,354
GEICO $2,372 $2,635 $2,810
Liberty Mutual $2,234 $2,422 $2,547
Nationwide $3,024 $3,417 $3,634
Progressive $1,867 $2,196 $2,318
State Farm $2,783 $3,118 $3,316
Travelers $2,395 $2,777 $2,957
USAA $2,215 $2,503 $2,643

Find Cheap Morro Bay, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Morro Bay, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,072 $3,721
Farmers $2,856 $3,440
GEICO $2,367 $2,844
Liberty Mutual $2,205 $2,596
Nationwide $2,970 $3,747
Progressive $1,934 $2,319
State Farm $2,960 $3,184
Travelers $2,444 $2,976
USAA $2,261 $2,647

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Find Cheap Morro Bay, CA Auto Insurance Rates by Driving Record

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

Annual Morro Bay, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,058 $3,453 $5,383 $2,692
Farmers $2,332 $3,171 $3,943 $3,146
GEICO $1,822 $2,812 $3,528 $2,260
Liberty Mutual $2,083 $2,792 $2,521 $2,208
Nationwide $2,352 $3,009 $5,065 $3,009
Progressive $1,392 $2,367 $2,749 $2,000
State Farm $2,191 $2,614 $4,941 $2,543
Travelers $1,835 $2,932 $3,413 $2,659
USAA $1,632 $2,426 $3,969 $1,787

Find Cheap Morro Bay, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Morro Bay, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,383
Farmers $3,943
GEICO $3,528
Liberty Mutual $2,521
Nationwide $5,065
Progressive $2,749
State Farm $4,941
Travelers $3,413
USAA $3,969

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

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

Best Annual Auto Insurance Rates by Company in Morro Bay, 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

Find Cheap Morro Bay, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Morro Bay, California

Insurance Company Average Annual Rates
Allstate $3,396
Farmers $3,148
GEICO $2,606
Liberty Mutual $2,401
Nationwide $3,359
Progressive $2,127
State Farm $3,072
Travelers $2,710
USAA $2,454

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What affects Morro Bay, California auto insurance rates?

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

Auto Theft in Morro Bay

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Morro Bay, CA auto theft show a total of 6 vehicle thefts annually.

Commute Times in Morro Bay

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Morro Bay, CA is 22.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Morro Bay, CA

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

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