Buy Cheap Saratoga, CA Auto Insurance (2021)

Saratoga, CA auto insurance rates average $285 a month. Minimum auto insurance requirements in Saratoga, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Saratoga, CA, compare Saratoga 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 Saratoga, CA after a DUI are $4,795/year
  • The most expensive auto insurance company in Saratoga after a DUI is Nationwide
  • Average auto insurance rates in Saratoga, CA for teens drivers are $5,796/year

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

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

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

Saratoga, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Saratoga, 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 $2,591 $2,589 $1,909 $1,919 $7,334 $9,226 $3,306 $3,614
Farmers $2,325 $2,325 $2,107 $2,107 $7,484 $12,273 $2,763 $3,086
GEICO $1,606 $1,607 $1,511 $1,511 $4,899 $4,982 $2,309 $2,359
Liberty Mutual $2,124 $2,010 $1,983 $1,922 $4,673 $4,973 $2,394 $2,411
Nationwide $3,135 $2,989 $2,736 $2,576 $8,074 $8,876 $3,764 $3,720
Progressive $2,034 $2,098 $1,706 $2,040 $5,460 $6,609 $2,919 $3,145
State Farm $2,830 $2,830 $2,531 $2,531 $5,228 $6,475 $3,136 $3,235
Travelers $2,293 $2,216 $2,035 $2,015 $4,773 $5,425 $2,974 $2,909
USAA $1,863 $1,763 $1,819 $1,825 $4,239 $4,280 $2,589 $2,445

Buy Cheap Saratoga, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saratoga, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,334 $9,226
Farmers $7,484 $12,273
GEICO $4,899 $4,982
Liberty Mutual $4,673 $4,973
Nationwide $8,074 $8,876
Progressive $5,460 $6,609
State Farm $5,228 $6,475
Travelers $4,773 $5,425
USAA $4,239 $4,280

Buy Cheap Saratoga, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saratoga, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,909 $1,919
Farmers $2,107 $2,107
GEICO $1,511 $1,511
Liberty Mutual $1,983 $1,922
Nationwide $2,736 $2,576
Progressive $1,706 $2,040
State Farm $2,531 $2,531
Travelers $2,035 $2,015
USAA $1,819 $1,825

Find Cheap Auto Insurance Rates in Saratoga, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Saratoga, California

Insurance Company Low Medium High
Allstate $3,864 $4,094 $4,224
Farmers $4,020 $4,343 $4,562
GEICO $2,383 $2,627 $2,784
Liberty Mutual $2,617 $2,839 $2,978
Nationwide $4,078 $4,566 $4,808
Progressive $2,961 $3,346 $3,447
State Farm $3,256 $3,660 $3,882
Travelers $2,675 $3,172 $3,393
USAA $2,380 $2,650 $2,779

Find Cheap Saratoga, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Saratoga, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,668 $4,453
Farmers $3,909 $4,708
GEICO $2,360 $2,836
Liberty Mutual $2,584 $3,039
Nationwide $3,957 $5,011
Progressive $2,945 $3,558
State Farm $3,470 $3,729
Travelers $2,773 $3,387
USAA $2,401 $2,805

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Find Cheap Saratoga, CA Auto Insurance Rates by Driving Record

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

Annual Saratoga, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,458 $4,118 $6,448 $3,220
Farmers $3,184 $4,338 $5,403 $4,309
GEICO $1,816 $2,806 $3,517 $2,253
Liberty Mutual $2,441 $3,269 $2,949 $2,586
Nationwide $3,132 $4,010 $6,783 $4,010
Progressive $2,132 $3,618 $4,183 $3,073
State Farm $2,570 $3,064 $5,782 $2,981
Travelers $2,062 $3,345 $3,883 $3,030
USAA $1,730 $2,578 $4,208 $1,895

Find Cheap Saratoga, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saratoga, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,448
Farmers $5,403
GEICO $3,517
Liberty Mutual $2,949
Nationwide $6,783
Progressive $4,183
State Farm $5,782
Travelers $3,883
USAA $4,208

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

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

Best Annual Auto Insurance Rates by Company in Saratoga, 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

Find Cheap Saratoga, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Saratoga, California

Insurance Company Average Annual Rates
Allstate $4,061
Farmers $4,308
GEICO $2,598
Liberty Mutual $2,811
Nationwide $4,484
Progressive $3,251
State Farm $3,599
Travelers $3,080
USAA $2,603

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What affects Saratoga, California auto insurance rates?

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

Auto Theft in Saratoga

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Saratoga, CA auto theft show a total of 13 vehicle thefts annually.

Commute Times in Saratoga

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Saratoga, CA is 30.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Saratoga, CA

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

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