Cheap Quotes for Los Gatos, CA Car Insurance (2024)
Los Gatos, California car insurance rates average $284 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Los Gatos, CA companies, you can find cheap Los Gatos car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Los Gatos has an average commute time of 30.8 minutes
- Average car insurance rates in Los Gatos, CA after a DUI are $4,786/year
- Average car insurance rates in Los Gatos, CA for senior drivers are $2,037/year
How do the Los Gatos, California monthly average car insurance rates of $284/month compare to nearby cities like Los Angeles car insurance rates, Bakersfield car insurance rates, and Oakland car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Los Gatos, CA.
We’ll cover the California minimum coverage requirements, California car insurance laws, and Los Gatos, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Los Gatos, California companies to find the most affordable Los Gatos car insurance rates.
Enter your ZIP code above to find cheap Los Gatos, CA car insurance quotes today.
What are the minimum Los Gatos, CA car insurance requirements?
To meet California minimum car insurance coverage requirements, Los Gatos, CA drivers need to carry at least 15/30/5 coverage.
| 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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Average Los Gatos, CA Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Los Gatos, CA you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 95030 | $4,651 |
| 95032 | $4,695 |
| 95033 | $4,922 |
How do age, gender, and marital status affect Los Gatos, CA car insurance rates?
Three of the criteria that most affect car insurance rates in Los Gatos, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Los Gatos car insurance companies.
| 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 | $2,615 | $2,612 | $1,926 | $1,936 | $7,381 | $9,283 | $3,336 | $3,644 |
| Farmers | $2,422 | $2,422 | $2,193 | $2,193 | $7,824 | $12,861 | $2,882 | $3,219 |
| Geico | $1,599 | $1,600 | $1,504 | $1,504 | $4,880 | $4,960 | $2,298 | $2,346 |
| Liberty Mutual | $2,074 | $1,960 | $1,939 | $1,879 | $4,570 | $4,868 | $2,334 | $2,352 |
| Nationwide | $3,145 | $3,000 | $2,745 | $2,585 | $8,089 | $8,896 | $3,777 | $3,733 |
| Progressive | $1,824 | $1,877 | $1,539 | $1,831 | $4,870 | $5,859 | $2,608 | $2,801 |
| State Farm | $2,957 | $2,957 | $2,644 | $2,644 | $5,468 | $6,776 | $3,276 | $3,379 |
| Travelers | $2,291 | $2,214 | $2,034 | $2,013 | $4,771 | $5,418 | $2,969 | $2,906 |
| USAA | $1,821 | $1,724 | $1,778 | $1,785 | $4,132 | $4,172 | $2,530 | $2,390 |
How much do teen drivers pay for car insurance in Los Gatos, CA?
Los Gatos, California car insurance rates for teens are often higher than rates for other drivers. Compare Los Gatos car insurance rates from multiple Los Gatos, California car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,381 | $9,283 |
| Farmers | $7,824 | $12,861 |
| Geico | $4,880 | $4,960 |
| Liberty Mutual | $4,570 | $4,868 |
| Nationwide | $8,089 | $8,896 |
| Progressive | $4,870 | $5,859 |
| State Farm | $5,468 | $6,776 |
| Travelers | $4,771 | $5,418 |
| USAA | $4,132 | $4,172 |
How much do senior drivers pay for car insurance in Los Gatos, CA?
With a little research, seniors can find affordable car insurance in Los Gatos, California. Here’s a look at how the top Los Gatos car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,926 | $1,936 |
| Farmers | $2,193 | $2,193 |
| Geico | $1,504 | $1,504 |
| Liberty Mutual | $1,939 | $1,879 |
| Nationwide | $2,745 | $2,585 |
| Progressive | $1,539 | $1,831 |
| State Farm | $2,644 | $2,644 |
| Travelers | $2,034 | $2,013 |
| USAA | $1,778 | $1,785 |
How does coverage level affect Los Gatos, 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 Los Gatos, CA car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,891 | $4,125 | $4,259 |
| Farmers | $4,211 | $4,538 | $4,756 |
| Geico | $2,376 | $2,615 | $2,768 |
| Liberty Mutual | $2,559 | $2,774 | $2,908 |
| Nationwide | $4,084 | $4,578 | $4,827 |
| Progressive | $2,614 | $2,996 | $3,093 |
| State Farm | $3,394 | $3,828 | $4,065 |
| Travelers | $2,670 | $3,170 | $3,391 |
| USAA | $2,327 | $2,587 | $2,710 |
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How does your driving record affect Los Gatos, CA car insurance rates?
Safe driving pays off. The more traffic violations you have in Los Gatos, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Los Gatos, California companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,476 | $4,149 | $6,499 | $3,244 |
| Farmers | $3,326 | $4,531 | $5,647 | $4,503 |
| Geico | $1,808 | $2,794 | $3,500 | $2,242 |
| Liberty Mutual | $2,385 | $3,194 | $2,882 | $2,527 |
| Nationwide | $3,140 | $4,021 | $6,802 | $4,021 |
| Progressive | $1,906 | $3,234 | $3,715 | $2,750 |
| State Farm | $2,687 | $3,203 | $6,044 | $3,117 |
| Travelers | $2,061 | $3,340 | $3,879 | $3,028 |
| USAA | $1,690 | $2,516 | $4,108 | $1,851 |
How does a DUI affect Los Gatos, CA car insurance rates?
With even one DUI on your record, you can see an increase in your Los Gatos, CA car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,499 |
| Farmers | $5,647 |
| Geico | $3,500 |
| Liberty Mutual | $2,882 |
| Nationwide | $6,802 |
| Progressive | $3,715 |
| State Farm | $6,044 |
| Travelers | $3,879 |
| USAA | $4,108 |
How does your commute affect Los Gatos, CA car insurance rates?
Los Gatos, 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 Los Gatos if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,696 | $4,488 |
| Farmers | $4,085 | $4,919 |
| Geico | $2,349 | $2,823 |
| Liberty Mutual | $2,525 | $2,969 |
| Nationwide | $3,968 | $5,024 |
| Progressive | $2,625 | $3,178 |
| State Farm | $3,627 | $3,898 |
| Travelers | $2,770 | $3,384 |
| USAA | $2,345 | $2,738 |
Who has the cheapest Los Gatos, CA car insurance rates?
Here’s a breakdown of Los Gatos, California car insurance rates by company. You can see which company offers the cheapest Los Gatos car insurance rates in each category.
| 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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What are the top Los Gatos, CA car insurance companies?
Which Los Gatos, California car insurance company will best fit your needs and budget? Check out this comparison of the top Los Gatos companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,092 |
| Farmers | $4,502 |
| Geico | $2,586 |
| Liberty Mutual | $2,747 |
| Nationwide | $4,496 |
| Progressive | $2,901 |
| State Farm | $3,763 |
| Travelers | $3,077 |
| USAA | $2,541 |
What factors affect Los Gatos, CA car insurance rates?
Why are Los Gatos, California car insurance rates different than rates in Los Angeles or Bakersfield? 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 Los Gatos, CA?
FBI statistics show that the Los Gatos, California car theft rate is 41 thefts each year. High theft rates can lead to higher than average Los Gatos, CA car insurance rates.
How long is the average commute in Los Gatos, CA?
More time spent behind the wheel can lead to higher Los Gatos, California car insurance rates. In Los Gatos, CA, the average commute length is 30.8 minutes.
Car Insurance Quotes for Los Gatos, CA
Shop for affordable Los Gatos, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Los Gatos, CA car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.