Buy Cheap San Luis Obispo, CA Auto Insurance (2021)

San Luis Obispo, CA auto insurance rates average $263 a month. Minimum auto insurance requirements in San Luis Obispo, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in San Luis Obispo, CA, compare San Luis Obispo 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 Luis Obispo, CA are $263/month
  • Average auto insurance rates in San Luis Obispo, CA after a DUI are $4,469/year
  • The most expensive auto insurance company in San Luis Obispo is Nationwide

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

See how San Luis Obispo, CA car insurance rates compare to Oakland auto insurance rates, Sacramento auto insurance rates, and Bakersfield auto insurance rates before you read more about the cost of auto insurance in San Luis Obispo.

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

San Luis Obispo, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Luis Obispo, 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 $2,739 $2,740 $2,000 $2,018 $7,614 $9,575 $3,503 $3,845
Farmers $1,732 $1,732 $1,566 $1,566 $5,488 $8,954 $2,049 $2,280
GEICO $1,631 $1,631 $1,533 $1,533 $4,956 $5,037 $2,341 $2,391
Liberty Mutual $1,872 $1,769 $1,744 $1,690 $4,041 $4,319 $2,101 $2,124
Nationwide $2,994 $2,854 $2,629 $2,474 $7,691 $8,470 $3,584 $3,533
Progressive $1,737 $1,787 $1,478 $1,753 $4,642 $5,590 $2,502 $2,689
State Farm $2,863 $2,863 $2,558 $2,558 $5,270 $6,532 $3,170 $3,269
Travelers $2,068 $2,001 $1,837 $1,819 $4,243 $4,803 $2,663 $2,608
USAA $1,771 $1,675 $1,731 $1,736 $4,017 $4,046 $2,451 $2,314

Buy Cheap San Luis Obispo, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Luis Obispo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,614 $9,575
Farmers $5,488 $8,954
GEICO $4,956 $5,037
Liberty Mutual $4,041 $4,319
Nationwide $7,691 $8,470
Progressive $4,642 $5,590
State Farm $5,270 $6,532
Travelers $4,243 $4,803
USAA $4,017 $4,046

Buy Cheap San Luis Obispo, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Luis Obispo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,000 $2,018
Farmers $1,566 $1,566
GEICO $1,533 $1,533
Liberty Mutual $1,744 $1,690
Nationwide $2,629 $2,474
Progressive $1,478 $1,753
State Farm $2,558 $2,558
Travelers $1,837 $1,819
USAA $1,731 $1,736

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

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

Annual Auto Insurance Rates by Coverage Level in San Luis Obispo, California

Insurance Company Low Medium High
Allstate $4,027 $4,291 $4,444
Farmers $2,941 $3,196 $3,375
GEICO $2,366 $2,663 $2,866
Liberty Mutual $2,286 $2,480 $2,606
Nationwide $3,846 $4,359 $4,631
Progressive $2,482 $2,858 $2,977
State Farm $3,290 $3,695 $3,921
Travelers $2,382 $2,835 $3,048
USAA $2,246 $2,514 $2,642

Find Cheap San Luis Obispo, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in San Luis Obispo, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,837 $4,671
Farmers $2,877 $3,464
GEICO $2,391 $2,873
Liberty Mutual $2,258 $2,657
Nationwide $3,778 $4,779
Progressive $2,514 $3,030
State Farm $3,504 $3,767
Travelers $2,486 $3,024
USAA $2,276 $2,659

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Find Cheap San Luis Obispo, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Luis Obispo, California

ZIP Code Average Annual Rates
93401 $3,718
93405 $4,068
93407 $4,336
93410 $4,514

Find Cheap San Luis Obispo, CA Auto Insurance Rates by Driving Record

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

Annual San Luis Obispo, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,566 $4,314 $6,771 $3,365
Farmers $2,348 $3,194 $3,973 $3,169
GEICO $1,839 $2,843 $3,563 $2,282
Liberty Mutual $2,133 $2,857 $2,580 $2,260
Nationwide $2,989 $3,829 $6,467 $3,829
Progressive $1,816 $3,086 $3,572 $2,616
State Farm $2,594 $3,094 $5,843 $3,010
Travelers $1,857 $2,993 $3,461 $2,710
USAA $1,642 $2,442 $3,989 $1,798

Find Cheap San Luis Obispo, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Luis Obispo, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,771
Farmers $3,973
GEICO $3,563
Liberty Mutual $2,580
Nationwide $6,467
Progressive $3,572
State Farm $5,843
Travelers $3,461
USAA $3,989

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

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

Best Annual Auto Insurance Rates by Company in San Luis Obispo, 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 San Luis Obispo, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Luis Obispo, California

Insurance Company Average Annual Rates
Allstate $4,254
Farmers $3,171
GEICO $2,632
Liberty Mutual $2,458
Nationwide $4,279
Progressive $2,772
State Farm $3,635
Travelers $2,755
USAA $2,468

What affects San Luis Obispo, California auto insurance rates?

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

Auto Theft in San Luis Obispo

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for San Luis Obispo, CA auto theft show a total of 74 vehicle thefts annually.

Commute Times in San Luis Obispo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in San Luis Obispo, CA is 15.7 minutes according to City-Data.

Compare Auto Insurance Quotes in San Luis Obispo, CA

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

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