Buy Cheap San Ardo, CA Auto Insurance (2021)

San Ardo, CA auto insurance rates average $248 a month. Minimum auto insurance requirements in San Ardo, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in San Ardo, CA, compare San Ardo 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 San Ardo, CA after a DUI are $4,178/year
  • The most expensive auto insurance company in San Ardo after a DUI is Allstate
  • The most expensive auto insurance company in San Ardo is Farmers

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

See how San Ardo, CA car insurance rates compare to Fresno auto insurance rates, Oakland auto insurance rates, and San Francisco auto insurance rates before you read more about the cost of auto insurance in San Ardo.

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

San Ardo, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Ardo, 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 $2,311 $2,325 $1,688 $1,718 $6,315 $7,968 $3,000 $3,343
Farmers $2,147 $2,147 $1,930 $1,930 $6,835 $11,235 $2,542 $2,829
GEICO $1,483 $1,485 $1,396 $1,396 $4,531 $4,620 $2,133 $2,185
Liberty Mutual $2,062 $1,954 $1,917 $1,858 $4,514 $4,793 $2,327 $2,344
Nationwide $2,625 $2,510 $2,282 $2,156 $6,607 $7,282 $3,122 $3,100
Progressive $1,427 $1,466 $1,228 $1,447 $3,771 $4,526 $2,060 $2,209
State Farm $2,573 $2,573 $2,296 $2,296 $4,695 $5,830 $2,844 $2,932
Travelers $1,923 $1,867 $1,702 $1,686 $3,852 $4,358 $2,454 $2,414
USAA $1,729 $1,640 $1,689 $1,697 $3,929 $3,943 $2,390 $2,260

Buy Cheap San Ardo, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Ardo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,315 $7,968
Farmers $6,835 $11,235
GEICO $4,531 $4,620
Liberty Mutual $4,514 $4,793
Nationwide $6,607 $7,282
Progressive $3,771 $4,526
State Farm $4,695 $5,830
Travelers $3,852 $4,358
USAA $3,929 $3,943

Buy Cheap San Ardo, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Ardo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,688 $1,718
Farmers $1,930 $1,930
GEICO $1,396 $1,396
Liberty Mutual $1,917 $1,858
Nationwide $2,282 $2,156
Progressive $1,228 $1,447
State Farm $2,296 $2,296
Travelers $1,702 $1,686
USAA $1,689 $1,697

Find Cheap Auto Insurance Rates in San Ardo, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Ardo, California

Insurance Company Low Medium High
Allstate $3,436 $3,608 $3,707
Farmers $3,692 $3,978 $4,179
GEICO $2,248 $2,427 $2,536
Liberty Mutual $2,547 $2,744 $2,873
Nationwide $3,383 $3,765 $3,984
Progressive $2,007 $2,337 $2,456
State Farm $2,953 $3,305 $3,507
Travelers $2,197 $2,600 $2,799
USAA $2,189 $2,455 $2,585

Find Cheap San Ardo, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in San Ardo, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,240 $3,927
Farmers $3,584 $4,315
GEICO $2,184 $2,623
Liberty Mutual $2,499 $2,943
Nationwide $3,277 $4,145
Progressive $2,060 $2,473
State Farm $3,136 $3,374
Travelers $2,289 $2,775
USAA $2,220 $2,600

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Find Cheap San Ardo, CA Auto Insurance Rates by Driving Record

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

Annual San Ardo, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,160 $3,653 $5,687 $2,834
Farmers $2,918 $3,975 $4,956 $3,949
GEICO $1,682 $2,592 $3,254 $2,087
Liberty Mutual $2,362 $3,165 $2,855 $2,503
Nationwide $2,596 $3,319 $5,608 $3,319
Progressive $1,485 $2,521 $2,926 $2,136
State Farm $2,319 $2,768 $5,239 $2,694
Travelers $1,724 $2,743 $3,173 $2,488
USAA $1,603 $2,378 $3,902 $1,755

Find Cheap San Ardo, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Ardo, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,687
Farmers $4,956
GEICO $3,254
Liberty Mutual $2,855
Nationwide $5,608
Progressive $2,926
State Farm $5,239
Travelers $3,173
USAA $3,902

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

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

Best Annual Auto Insurance Rates by Company in San Ardo, California

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

Find Cheap San Ardo, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Ardo, California

Insurance Company Average Annual Rates
Allstate $3,584
Farmers $3,950
GEICO $2,404
Liberty Mutual $2,721
Nationwide $3,711
Progressive $2,267
State Farm $3,255
Travelers $2,532
USAA $2,410

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What affects San Ardo, California auto insurance rates?

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

Commute Times in San Ardo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in San Ardo, CA is 22.7 minutes according to City-Data.

Compare Auto Insurance Quotes in San Ardo, CA

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

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