Buy Cheap Palo Alto, CA Auto Insurance (2022)

Palo Alto, CA auto insurance rates average $275 a month. Minimum auto insurance requirements in Palo Alto, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Palo Alto, CA, compare Palo Alto 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 Palo Alto, CA after a DUI are $4,633/year
  • The most expensive auto insurance company in Palo Alto is Farmers
  • Average auto insurance rates in Palo Alto, CA for teens drivers are $5,586/year

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

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

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

Palo Alto, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Palo Alto, 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 $2,644 $2,645 $1,948 $1,960 $7,476 $9,415 $3,377 $3,699
Farmers $2,282 $2,282 $2,069 $2,069 $7,357 $12,074 $2,714 $3,032
GEICO $1,561 $1,562 $1,469 $1,469 $4,765 $4,844 $2,244 $2,292
Liberty Mutual $2,096 $1,985 $1,954 $1,894 $4,620 $4,908 $2,364 $2,378
Nationwide $2,921 $2,786 $2,555 $2,407 $7,507 $8,256 $3,505 $3,462
Progressive $1,674 $1,725 $1,413 $1,683 $4,455 $5,382 $2,402 $2,585
State Farm $2,803 $2,803 $2,506 $2,506 $5,181 $6,422 $3,105 $3,203
Travelers $2,269 $2,193 $2,015 $1,995 $4,717 $5,365 $2,943 $2,878
USAA $1,842 $1,744 $1,797 $1,804 $4,194 $4,233 $2,560 $2,418

Buy Cheap Palo Alto, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Palo Alto, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,476 $9,415
Farmers $7,357 $12,074
GEICO $4,765 $4,844
Liberty Mutual $4,620 $4,908
Nationwide $7,507 $8,256
Progressive $4,455 $5,382
State Farm $5,181 $6,422
Travelers $4,717 $5,365
USAA $4,194 $4,233

Buy Cheap Palo Alto, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Palo Alto, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,948 $1,960
Farmers $2,069 $2,069
GEICO $1,469 $1,469
Liberty Mutual $1,954 $1,894
Nationwide $2,555 $2,407
Progressive $1,413 $1,683
State Farm $2,506 $2,506
Travelers $2,015 $1,995
USAA $1,797 $1,804

Find Cheap Auto Insurance Rates in Palo Alto, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Palo Alto, California

Insurance Company Low Medium High
Allstate $3,950 $4,179 $4,308
Farmers $3,955 $4,269 $4,481
GEICO $2,314 $2,554 $2,709
Liberty Mutual $2,593 $2,801 $2,931
Nationwide $3,780 $4,252 $4,494
Progressive $2,414 $2,742 $2,838
State Farm $3,216 $3,628 $3,855
Travelers $2,648 $3,137 $3,356
USAA $2,355 $2,620 $2,746

Find Cheap Palo Alto, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Palo Alto, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,744 $4,547
Farmers $3,843 $4,627
GEICO $2,294 $2,757
Liberty Mutual $2,551 $2,999
Nationwide $3,686 $4,664
Progressive $2,417 $2,913
State Farm $3,437 $3,695
Travelers $2,744 $3,350
USAA $2,374 $2,774

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Find Cheap Palo Alto, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Palo Alto, California

ZIP Code Average Annual Rates
94301 $4,552
94304 $4,533
94306 $4,472

Find Cheap Palo Alto, CA Auto Insurance Rates by Driving Record

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

Annual Palo Alto, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,508 $4,203 $6,583 $3,288
Farmers $3,129 $4,263 $5,311 $4,236
GEICO $1,766 $2,729 $3,418 $2,190
Liberty Mutual $2,409 $3,227 $2,911 $2,552
Nationwide $2,918 $3,736 $6,310 $3,736
Progressive $1,749 $2,963 $3,430 $2,517
State Farm $2,546 $3,036 $5,729 $2,954
Travelers $2,041 $3,309 $3,841 $2,997
USAA $1,711 $2,549 $4,162 $1,874

Find Cheap Palo Alto, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Palo Alto, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,583
Farmers $5,311
GEICO $3,418
Liberty Mutual $2,911
Nationwide $6,310
Progressive $3,430
State Farm $5,729
Travelers $3,841
USAA $4,162

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

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

Best Annual Auto Insurance Rates by Company in Palo Alto, 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

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Find Cheap Palo Alto, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Palo Alto, California

Insurance Company Average Annual Rates
Allstate $4,146
Farmers $4,235
GEICO $2,526
Liberty Mutual $2,775
Nationwide $4,175
Progressive $2,665
State Farm $3,566
Travelers $3,047
USAA $2,574

What affects Palo Alto, California auto insurance rates?

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

Auto Theft in Palo Alto

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Palo Alto, CA auto theft show a total of 82 vehicle thefts annually.

Commute Times in Palo Alto

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Palo Alto, CA is 25.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Palo Alto, CA

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

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