Buy Cheap Spreckels, CA Auto Insurance (2021)

Spreckels, CA auto insurance rates average $270 a month. Minimum auto insurance requirements in Spreckels, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Spreckels, CA, compare Spreckels 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 Spreckels, CA are $270/month
  • Average auto insurance rates in Spreckels, CA for teens drivers are $5,462/year
  • The most expensive auto insurance company in Spreckels is Allstate

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

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

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

Spreckels, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spreckels, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,038 $2,038 $1,840 $1,840 $6,485 $10,620 $2,414 $2,688
GEICO $1,577 $1,577 $1,483 $1,483 $4,782 $4,866 $2,263 $2,315
Liberty Mutual $2,097 $1,985 $1,952 $1,892 $4,604 $4,893 $2,365 $2,381
Nationwide $2,819 $2,691 $2,455 $2,314 $7,193 $7,912 $3,366 $3,335
Progressive $1,370 $1,411 $1,154 $1,374 $3,593 $4,347 $1,955 $2,105
State Farm $2,911 $2,911 $2,602 $2,602 $5,346 $6,624 $3,222 $3,324
Travelers $2,283 $2,213 $2,018 $1,997 $4,654 $5,336 $2,957 $2,900
USAA $1,814 $1,717 $1,772 $1,777 $4,137 $4,152 $2,504 $2,365

Buy Cheap Spreckels, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spreckels, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $6,485 $10,620
GEICO $4,782 $4,866
Liberty Mutual $4,604 $4,893
Nationwide $7,193 $7,912
Progressive $3,593 $4,347
State Farm $5,346 $6,624
Travelers $4,654 $5,336
USAA $4,137 $4,152

Buy Cheap Spreckels, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spreckels, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $1,840 $1,840
GEICO $1,483 $1,483
Liberty Mutual $1,952 $1,892
Nationwide $2,455 $2,314
Progressive $1,154 $1,374
State Farm $2,602 $2,602
Travelers $2,018 $1,997
USAA $1,772 $1,777

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

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

Annual Auto Insurance Rates by Coverage Level in Spreckels, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $3,488 $3,774 $3,975
GEICO $2,288 $2,572 $2,769
Liberty Mutual $2,593 $2,795 $2,926
Nationwide $3,655 $4,074 $4,303
Progressive $1,975 $2,222 $2,295
State Farm $3,352 $3,749 $3,978
Travelers $2,678 $3,123 $3,333
USAA $2,286 $2,580 $2,723

Find Cheap Spreckels, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Spreckels, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $3,399 $4,092
GEICO $2,310 $2,776
Liberty Mutual $2,546 $2,996
Nationwide $3,538 $4,483
Progressive $1,965 $2,362
State Farm $3,559 $3,826
Travelers $2,741 $3,348
USAA $2,331 $2,729

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Find Cheap Spreckels, CA Auto Insurance Rates by Driving Record

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

Annual Spreckels, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $2,769 $3,771 $4,697 $3,744
GEICO $1,779 $2,743 $3,444 $2,206
Liberty Mutual $2,406 $3,223 $2,907 $2,549
Nationwide $2,805 $3,587 $6,064 $3,587
Progressive $1,426 $2,402 $2,782 $2,046
State Farm $2,634 $3,142 $5,938 $3,057
Travelers $2,048 $3,299 $3,843 $2,988
USAA $1,682 $2,501 $4,094 $1,842

Find Cheap Spreckels, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spreckels, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,445
Farmers $4,697
GEICO $3,444
Liberty Mutual $2,907
Nationwide $6,064
Progressive $2,782
State Farm $5,938
Travelers $3,843
USAA $4,094

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

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

Best Annual Auto Insurance Rates by Company in Spreckels, California

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

Find Cheap Spreckels, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spreckels, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $3,746
GEICO $2,543
Liberty Mutual $2,771
Nationwide $4,011
Progressive $2,164
State Farm $3,693
Travelers $3,045
USAA $2,530

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What affects Spreckels, California auto insurance rates?

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

Commute Times in Spreckels

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spreckels, CA is 18.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Spreckels, CA

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

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