Cheap Quotes for Arroyo Grande, CA Car Insurance (2021)

Arroyo Grande, California car insurance rates average $235 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Arroyo Grande, CA companies, you can find cheap Arroyo Grande 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

  • Arroyo Grande has an average commute time of 22.3 minutes
  • Average car insurance rates in Arroyo Grande, CA for senior drivers are $1,708/year
  • The cheapest car insurance company in Arroyo Grande is Progressive

How do the Arroyo Grande, California monthly average car insurance rates of $235/month compare to nearby cities like Oakland car insurance rates, San Diego car insurance rates, and Bakersfield car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Arroyo Grande, CA.

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

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

What are the minimum Arroyo Grande, CA car insurance requirements?

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

Minimum Required Car Insurance Coverage in Arroyo Grande, 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 Arroyo Grande, CA car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Arroyo Grande, 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 $2,186 $2,187 $1,608 $1,624 $6,077 $7,641 $2,799 $3,077
Farmers $1,858 $1,858 $1,679 $1,679 $5,895 $9,623 $2,198 $2,446
GEICO $1,568 $1,568 $1,474 $1,474 $4,771 $4,848 $2,252 $2,299
Liberty Mutual $1,752 $1,658 $1,631 $1,581 $3,779 $4,029 $1,969 $1,990
Nationwide $2,498 $2,385 $2,193 $2,069 $6,319 $6,970 $2,976 $2,938
Progressive $1,253 $1,288 $1,072 $1,265 $3,294 $3,959 $1,792 $1,924
State Farm $2,467 $2,467 $2,206 $2,206 $4,540 $5,625 $2,731 $2,817
Travelers $1,993 $1,931 $1,773 $1,756 $4,059 $4,620 $2,572 $2,515
USAA $1,770 $1,677 $1,726 $1,733 $4,059 $4,079 $2,451 $2,317

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

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

Annual Car Insurance Rates for Teen Drivers in Arroyo Grande, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,077 $7,641
Farmers $5,895 $9,623
GEICO $4,771 $4,848
Liberty Mutual $3,779 $4,029
Nationwide $6,319 $6,970
Progressive $3,294 $3,959
State Farm $4,540 $5,625
Travelers $4,059 $4,620
USAA $4,059 $4,079

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

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

Annual Car Insurance Rates for Senior Drivers in Arroyo Grande, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,608 $1,624
Farmers $1,679 $1,679
GEICO $1,474 $1,474
Liberty Mutual $1,631 $1,581
Nationwide $2,193 $2,069
Progressive $1,072 $1,265
State Farm $2,206 $2,206
Travelers $1,773 $1,756
USAA $1,726 $1,733

How does coverage level affect Arroyo Grande, 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 Arroyo Grande, CA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Arroyo Grande, California

Insurance Company Low Medium High
Allstate $3,241 $3,426 $3,532
Farmers $3,159 $3,432 $3,623
GEICO $2,280 $2,562 $2,753
Liberty Mutual $2,139 $2,319 $2,438
Nationwide $3,182 $3,606 $3,842
Progressive $1,774 $2,041 $2,127
State Farm $2,837 $3,181 $3,378
Travelers $2,311 $2,724 $2,923
USAA $2,248 $2,523 $2,658

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

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

Annual Arroyo Grande, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,061 $3,454 $5,390 $2,696
Farmers $2,521 $3,429 $4,266 $3,402
GEICO $1,769 $2,736 $3,427 $2,195
Liberty Mutual $1,995 $2,673 $2,413 $2,114
Nationwide $2,479 $3,174 $5,347 $3,174
Progressive $1,304 $2,202 $2,545 $1,871
State Farm $2,235 $2,665 $5,035 $2,594
Travelers $1,792 $2,880 $3,332 $2,606
USAA $1,647 $2,450 $4,006 $1,803

How does a DUI affect Arroyo Grande, CA car insurance rates?

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

Annual Car Insurance Rates After a DUI in Arroyo Grande, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,390
Farmers $4,266
GEICO $3,427
Liberty Mutual $2,413
Nationwide $5,347
Progressive $2,545
State Farm $5,035
Travelers $3,332
USAA $4,006

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How does your commute affect Arroyo Grande, CA car insurance rates?

Arroyo Grande, 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 Arroyo Grande if you’re financing.

Annual Car Insurance Rates by Commute Length in Arroyo Grande, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,074 $3,726
Farmers $3,089 $3,720
GEICO $2,300 $2,764
Liberty Mutual $2,112 $2,485
Nationwide $3,133 $3,953
Progressive $1,800 $2,162
State Farm $3,019 $3,246
Travelers $2,395 $2,910
USAA $2,281 $2,671

Who has the cheapest Arroyo Grande, CA car insurance rates?

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

Best Annual Car Insurance Rates by Company in Arroyo Grande, California

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

What are the top Arroyo Grande, CA car insurance companies?

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

Average Annual Car Insurance Rates by Company in Arroyo Grande, California

Insurance Company Average Annual Rates
Allstate $3,400
Farmers $3,404
GEICO $2,532
Liberty Mutual $2,299
Nationwide $3,543
Progressive $1,981
State Farm $3,132
Travelers $2,653
USAA $2,476

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What factors affect Arroyo Grande, CA car insurance rates?

Why are Arroyo Grande, California car insurance rates different than rates in Oakland or San Diego? 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 Arroyo Grande, CA?

FBI statistics show that the Arroyo Grande, California car theft rate is 24 thefts each year. High theft rates can lead to higher than average Arroyo Grande, CA car insurance rates.

How long is the average commute in Arroyo Grande, CA?

More time spent behind the wheel can lead to higher Arroyo Grande, California car insurance rates. In Arroyo Grande, CA, the average commute length is 22.3 minutes.

Car Insurance Quotes for Arroyo Grande, CA

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