Cheap Quotes for Los Gatos, CA Car Insurance (2021)

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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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 Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Los Gatos, 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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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.

Annual Car Insurance Rates by ZIP Code in Los Gatos, California

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Los Gatos, 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 $2,615 $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.

Annual Car Insurance Rates for Teen Drivers in Los Gatos, California

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.

Annual Car Insurance Rates for Senior Drivers in Los Gatos, California

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.

Annual Car Insurance Rates by Coverage Level in Los Gatos, California

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.

Annual Los Gatos, California Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Los Gatos, California

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.

Annual Car Insurance Rates by Commute Length in Los Gatos, California

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.

Best Annual Car Insurance Rates by Company in Los Gatos, 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

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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.

Average Annual Car Insurance Rates by Company in Los Gatos, California

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.

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