Best Cheap Auto Insurance in Morgan Hill, CA (2021)

The average Morgan Hill, CA auto insurance rates are $267 per month. The minimum auto insurance in Morgan Hill is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Morgan Hill, California, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Morgan Hill, CA for senior drivers are $1,916 per year
  • The cheapest auto insurance company in Morgan Hill is Progressive
  • The most expensive auto insurance company in Morgan Hill for teen drivers is Farmers

Morgan Hill, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Morgan Hill 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 Morgan Hill, California, including driving record, credit, commute time, and more.

Compare auto insurance in Morgan Hill to other California cities, including Oakland auto insurance rates, Fresno auto insurance rates, and Long Beach auto insurance rates to see how Morgan Hill, California auto insurance rates stack up.

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

Minimum Auto Insurance in Morgan Hill, California

Morgan Hill, 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 Morgan Hill, California.

Minimum Required Auto Insurance Coverage in Morgan Hill, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Morgan Hill, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Morgan Hill, 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 Morgan Hill, 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 $2,532 $2,533 $1,854 $1,873 $7,074 $8,899 $3,248 $3,571
Farmers $2,349 $2,349 $2,120 $2,120 $7,563 $12,438 $2,791 $3,113
GEICO $1,574 $1,574 $1,480 $1,480 $4,801 $4,878 $2,262 $2,308
Liberty Mutual $2,148 $2,034 $2,004 $1,940 $4,719 $5,017 $2,422 $2,442
Nationwide $2,807 $2,678 $2,462 $2,320 $7,157 $7,889 $3,352 $3,309
Progressive $1,434 $1,475 $1,216 $1,441 $3,782 $4,555 $2,050 $2,202
State Farm $2,674 $2,674 $2,389 $2,389 $4,901 $6,065 $2,961 $3,055
Travelers $2,232 $2,161 $1,981 $1,960 $4,590 $5,253 $2,898 $2,833
USAA $1,765 $1,671 $1,723 $1,729 $4,022 $4,048 $2,444 $2,309

Cheap Morgan Hill, California Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Morgan Hill, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,074 $8,899
Farmers $7,563 $12,438
GEICO $4,801 $4,878
Liberty Mutual $4,719 $5,017
Nationwide $7,157 $7,889
Progressive $3,782 $4,555
State Farm $4,901 $6,065
Travelers $4,590 $5,253
USAA $4,022 $4,048

Cheap Morgan Hill, California Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Morgan Hill, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,854 $1,873
Farmers $2,120 $2,120
GEICO $1,480 $1,480
Liberty Mutual $2,004 $1,940
Nationwide $2,462 $2,320
Progressive $1,216 $1,441
State Farm $2,389 $2,389
Travelers $1,981 $1,960
USAA $1,723 $1,729

Cheap Morgan Hill, 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 Morgan Hill, California compared to the annual auto insurance rates with a clean record in Morgan Hill, California.

Annual Morgan Hill, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,383 $4,011 $6,273 $3,124
Farmers $3,219 $4,383 $5,463 $4,356
GEICO $1,778 $2,751 $3,443 $2,205
Liberty Mutual $2,467 $3,304 $2,980 $2,613
Nationwide $2,793 $3,578 $6,038 $3,578
Progressive $1,493 $2,523 $2,914 $2,146
State Farm $2,416 $2,883 $5,450 $2,805
Travelers $2,005 $3,244 $3,769 $2,935
USAA $1,639 $2,438 $3,984 $1,794

Cheap Morgan Hill, California Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Morgan Hill, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,273
Farmers $5,463
GEICO $3,443
Liberty Mutual $2,980
Nationwide $6,038
Progressive $2,914
State Farm $5,450
Travelers $3,769
USAA $3,984

Cheap Morgan Hill, California Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Morgan Hill, California

ZIP Code Average Annual Rates
95037 $4,377

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Morgan Hill, California Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Morgan Hill, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,566 $4,329
Farmers $3,952 $4,759
GEICO $2,311 $2,778
Liberty Mutual $2,609 $3,073
Nationwide $3,531 $4,463
Progressive $2,059 $2,479
State Farm $3,267 $3,510
Travelers $2,692 $3,285
USAA $2,271 $2,656

Cheap Morgan Hill, California Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Morgan Hill, California

Insurance Company Low Medium High
Allstate $3,756 $3,980 $4,108
Farmers $4,075 $4,390 $4,601
GEICO $2,309 $2,574 $2,750
Liberty Mutual $2,652 $2,866 $3,005
Nationwide $3,595 $4,069 $4,326
Progressive $2,048 $2,337 $2,423
State Farm $3,096 $3,438 $3,632
Travelers $2,617 $3,069 $3,279
USAA $2,241 $2,510 $2,640

Best By Category: Cheapest Auto Insurance in Morgan Hill, California

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

Best Annual Auto Insurance Rates by Company in Morgan Hill, California

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

The Cheapest Morgan Hill, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Morgan Hill, California

Insurance Company Average Annual Rates
Allstate $3,948
Farmers $4,355
GEICO $2,544
Liberty Mutual $2,841
Nationwide $3,997
Progressive $2,269
State Farm $3,388
Travelers $2,988
USAA $2,464

What affects auto insurance rates in Morgan Hill, California?

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

Morgan Hill Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Morgan Hill, California auto theft statistics, there have been 114 auto thefts in the city.

Morgan Hill Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Morgan Hill, California commute length is 37.1 minutes according to City-Data.

Compare Morgan Hill, California Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption