Cheap Quotes for Arcata, CA Car Insurance (2021)

Arcata, California car insurance rates average $251 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Arcata, CA companies, you can find cheap Arcata car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Arcata has an average commute time of 17.2 minutes
  • Average car insurance rates in Arcata, CA are $251/month
  • The cheapest car insurance company in Arcata is USAA

How do the Arcata, California monthly average car insurance rates of $251/month compare to nearby cities like Los Angeles car insurance rates, Oakland car insurance rates, and Anaheim car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Arcata, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Arcata, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Arcata, California companies to find the most affordable Arcata car insurance rates.

Enter your ZIP code above to find cheap Arcata, CA car insurance quotes today.

What are the minimum Arcata, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Arcata, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Arcata, 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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How do age, gender, and marital status affect Arcata, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Arcata, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Arcata car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Arcata, 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 $2,379 $2,389 $1,730 $1,765 $6,531 $8,230 $3,103 $3,457
Farmers $2,116 $2,116 $1,898 $1,898 $6,791 $11,232 $2,511 $2,797
GEICO $1,586 $1,587 $1,492 $1,492 $4,846 $4,936 $2,280 $2,333
Liberty Mutual $2,020 $1,920 $1,864 $1,810 $4,389 $4,644 $2,285 $2,297
Nationwide $2,618 $2,503 $2,281 $2,155 $6,608 $7,281 $3,124 $3,096
Progressive $1,487 $1,530 $1,265 $1,499 $3,936 $4,742 $2,135 $2,294
State Farm $2,537 $2,537 $2,264 $2,264 $4,617 $5,721 $2,805 $2,894
Travelers $2,001 $1,943 $1,773 $1,755 $4,005 $4,600 $2,576 $2,530
USAA $1,677 $1,592 $1,637 $1,647 $3,780 $3,812 $2,327 $2,202

How much do teen drivers pay for car insurance in Arcata, CA?

Arcata, California car insurance rates for teens are often higher than rates for other drivers. Compare Arcata car insurance rates from multiple Arcata, California car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Arcata, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,531 $8,230
Farmers $6,791 $11,232
GEICO $4,846 $4,936
Liberty Mutual $4,389 $4,644
Nationwide $6,608 $7,281
Progressive $3,936 $4,742
State Farm $4,617 $5,721
Travelers $4,005 $4,600
USAA $3,780 $3,812

How much do senior drivers pay for car insurance in Arcata, CA?

With a little research, seniors can find affordable car insurance in Arcata, California. Here’s a look at how the top Arcata car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Arcata, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,730 $1,765
Farmers $1,898 $1,898
GEICO $1,492 $1,492
Liberty Mutual $1,864 $1,810
Nationwide $2,281 $2,155
Progressive $1,265 $1,499
State Farm $2,264 $2,264
Travelers $1,773 $1,755
USAA $1,637 $1,647

How does coverage level affect Arcata, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Arcata, CA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Arcata, California

Insurance Company Low Medium High
Allstate $3,548 $3,723 $3,824
Farmers $3,691 $3,946 $4,122
GEICO $2,375 $2,596 $2,736
Liberty Mutual $2,496 $2,673 $2,792
Nationwide $3,372 $3,769 $3,984
Progressive $2,123 $2,431 $2,529
State Farm $2,935 $3,248 $3,431
Travelers $2,344 $2,714 $2,886
USAA $2,142 $2,374 $2,486

How does your driving record affect Arcata, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Arcata, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Arcata, California companies.

Annual Arcata, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,221 $3,781 $5,872 $2,918
Farmers $2,892 $3,943 $4,923 $3,921
GEICO $1,797 $2,774 $3,477 $2,228
Liberty Mutual $2,302 $3,088 $2,785 $2,440
Nationwide $2,594 $3,318 $5,603 $3,318
Progressive $1,550 $2,625 $3,039 $2,229
State Farm $2,283 $2,725 $5,161 $2,652
Travelers $1,801 $2,859 $3,333 $2,598
USAA $1,554 $2,305 $3,776 $1,701

How does a DUI affect Arcata, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Arcata, CA car insurance rates.

Annual Car Insurance Rates After a DUI in Arcata, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,872
Farmers $4,923
GEICO $3,477
Liberty Mutual $2,785
Nationwide $5,603
Progressive $3,039
State Farm $5,161
Travelers $3,333
USAA $3,776

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How does your commute affect Arcata, CA car insurance rates?

Arcata, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Arcata if you’re financing.

Annual Car Insurance Rates by Commute Length in Arcata, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,347 $4,050
Farmers $3,558 $4,282
GEICO $2,334 $2,804
Liberty Mutual $2,437 $2,871
Nationwide $3,278 $4,139
Progressive $2,143 $2,578
State Farm $3,089 $3,321
Travelers $2,388 $2,907
USAA $2,153 $2,515

Who has the cheapest Arcata, CA car insurance rates?

Here’s a breakdown of Arcata, California car insurance rates by company. You can see which company offers the cheapest Arcata car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Arcata, 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

What are the top Arcata, CA car insurance companies?

Which Arcata, California car insurance company will best fit your needs and budget? Check out this comparison of the top Arcata companies to find the one for you.

Average Annual Car Insurance Rates by Company in Arcata, California

Insurance Company Average Annual Rates
Allstate $3,698
Farmers $3,920
GEICO $2,569
Liberty Mutual $2,654
Nationwide $3,708
Progressive $2,361
State Farm $3,205
Travelers $2,648
USAA $2,334

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What factors affect Arcata, CA car insurance rates?

Why are Arcata, California car insurance rates different than rates in Los Angeles or Oakland? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Arcata, CA?

FBI statistics show that the Arcata, California car theft rate is 64 thefts each year. High theft rates can lead to higher than average Arcata, CA car insurance rates.

How long is the average commute in Arcata, CA?

More time spent behind the wheel can lead to higher Arcata, California car insurance rates. In Arcata, CA, the average commute length is 17.2 minutes.

Car Insurance Quotes for Arcata, CA

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