Best Cheap Auto Insurance in Montara, CA (2021)

The average Montara, CA auto insurance rates are $298 per month. The minimum auto insurance in Montara is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Montara, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Montara, CA for senior drivers are $2,131 per year
  • The minimum auto insurance required in Montara, California is 15/30/5
  • The average commute length in Montara is 39.3 minutes

Montara, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Montara can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Montara, California, including driving record, credit, commute time, and more.

Compare auto insurance in Montara to other California cities, including San Jose auto insurance rates, Anaheim auto insurance rates, and Oakland auto insurance rates to see how Montara, California auto insurance rates stack up.

Before you buy Montara, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Montara, California auto insurance quotes.

Minimum Auto Insurance in Montara, California

Montara, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Montara, California.

Minimum Required Auto Insurance Coverage in Montara, 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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Cheap Montara, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Montara, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Montara, 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 $2,595 $2,595 $2,350 $2,350 $8,357 $13,704 $3,085 $3,444
GEICO $1,697 $1,698 $1,596 $1,596 $5,165 $5,254 $2,438 $2,492
Liberty Mutual $2,325 $2,209 $2,165 $2,099 $5,190 $5,484 $2,634 $2,641
Nationwide $2,944 $2,810 $2,580 $2,431 $7,498 $8,270 $3,519 $3,475
Progressive $1,682 $1,730 $1,434 $1,698 $4,498 $5,403 $2,418 $2,596
State Farm $3,215 $3,215 $2,873 $2,873 $5,943 $7,374 $3,561 $3,672
Travelers $2,493 $2,412 $2,206 $2,182 $5,188 $5,920 $3,243 $3,174
USAA $1,807 $1,714 $1,759 $1,769 $4,126 $4,163 $2,508 $2,373

Cheap Montara, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Montara, California is a challenge. Take a look at the annual teen auto insurance rates in Montara, California.

Annual Auto Insurance Rates for Teen Drivers in Montara, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $8,357 $13,704
GEICO $5,165 $5,254
Liberty Mutual $5,190 $5,484
Nationwide $7,498 $8,270
Progressive $4,498 $5,403
State Farm $5,943 $7,374
Travelers $5,188 $5,920
USAA $4,126 $4,163

Cheap Montara, California Auto Insurance for Seniors

What are senior auto insurance rates in Montara, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Montara, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $2,350 $2,350
GEICO $1,596 $1,596
Liberty Mutual $2,165 $2,099
Nationwide $2,580 $2,431
Progressive $1,434 $1,698
State Farm $2,873 $2,873
Travelers $2,206 $2,182
USAA $1,759 $1,769

Cheap Montara, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Montara, California compared to the annual auto insurance rates with a clean record in Montara, California.

Annual Montara, 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 $3,556 $4,843 $6,032 $4,811
GEICO $1,916 $2,963 $3,712 $2,377
Liberty Mutual $2,686 $3,599 $3,243 $2,845
Nationwide $2,927 $3,750 $6,335 $3,750
Progressive $1,759 $2,989 $3,448 $2,535
State Farm $2,921 $3,482 $6,571 $3,389
Travelers $2,235 $3,643 $4,236 $3,294
USAA $1,680 $2,503 $4,086 $1,840

Cheap Montara, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Montara, California is not easy. Compare the annual rates for DUI auto insurance in Montara, California to find the best deal.

Annual Auto Insurance Rates After a DUI in Montara, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,445
Farmers $6,032
GEICO $3,712
Liberty Mutual $3,243
Nationwide $6,335
Progressive $3,448
State Farm $6,571
Travelers $4,236
USAA $4,086

Cheap Montara, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Montara, California can vary. Compare the annual cost of auto insurance by ZIP code in Montara, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Montara, California

ZIP Code Average Annual Rates
94037 $4,893

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Cheap Montara, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Montara, California auto insurance. Find the cheapest annual Montara, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Montara, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,209 $5,132
Farmers $4,364 $5,256
GEICO $2,491 $2,993
Liberty Mutual $2,842 $3,345
Nationwide $3,703 $4,678
Progressive $2,431 $2,934
State Farm $3,942 $4,239
Travelers $3,015 $3,690
USAA $2,331 $2,724

Cheap Montara, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Montara, California? Check out the comparison of annual Montara, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Montara, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $4,487 $4,849 $5,094
GEICO $2,470 $2,772 $2,983
Liberty Mutual $2,908 $3,120 $3,252
Nationwide $3,775 $4,268 $4,529
Progressive $2,393 $2,770 $2,884
State Farm $3,677 $4,166 $4,429
Travelers $2,920 $3,447 $3,689
USAA $2,308 $2,573 $2,701

Best By Category: Cheapest Auto Insurance in Montara, California

Compare the cheapest auto insurance companies in Montara, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Montara, California

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

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The Cheapest Montara, California Auto Insurance Companies

What auto insurance companies in Montara, California are the cheapest? Compare the top Montara, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Montara, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $4,810
GEICO $2,742
Liberty Mutual $3,093
Nationwide $4,191
Progressive $2,682
State Farm $4,091
Travelers $3,352
USAA $2,527

What affects auto insurance rates in Montara, California?

There are a lot of reasons why auto insurance rates in Montara, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Montara, California. Many local factors may affect your Montara auto insurance rates.

Montara Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Montara, California commute length is 39.3 minutes according to City-Data.

Compare Montara, California Auto Insurance Quotes

Before you buy Montara, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Montara, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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