Best Cheap Auto Insurance in San Luis Obispo, CA (2021)

The average San Luis Obispo, CA auto insurance rates are $263 per month. The minimum auto insurance in San Luis Obispo is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in San Luis Obispo, 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

  • The cheapest auto insurance company in San Luis Obispo is Liberty Mutual
  • The average commute length in San Luis Obispo is 15.7 minutes
  • The minimum auto insurance required in San Luis Obispo, California is 15/30/5

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

Compare auto insurance in San Luis Obispo to other California cities, including San Diego auto insurance rates, Fresno auto insurance rates, and Sacramento auto insurance rates to see how San Luis Obispo, California auto insurance rates stack up.

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

Minimum Auto Insurance in San Luis Obispo, California

San Luis Obispo, 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 San Luis Obispo, California.

Minimum Required Auto Insurance Coverage in San Luis Obispo, 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 San Luis Obispo, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Luis Obispo, 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 San Luis Obispo, 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 $2,739 $2,740 $2,000 $2,018 $7,614 $9,575 $3,503 $3,845
Farmers $1,732 $1,732 $1,566 $1,566 $5,488 $8,954 $2,049 $2,280
GEICO $1,631 $1,631 $1,533 $1,533 $4,956 $5,037 $2,341 $2,391
Liberty Mutual $1,872 $1,769 $1,744 $1,690 $4,041 $4,319 $2,101 $2,124
Nationwide $2,994 $2,854 $2,629 $2,474 $7,691 $8,470 $3,584 $3,533
Progressive $1,737 $1,787 $1,478 $1,753 $4,642 $5,590 $2,502 $2,689
State Farm $2,863 $2,863 $2,558 $2,558 $5,270 $6,532 $3,170 $3,269
Travelers $2,068 $2,001 $1,837 $1,819 $4,243 $4,803 $2,663 $2,608
USAA $1,771 $1,675 $1,731 $1,736 $4,017 $4,046 $2,451 $2,314

Cheap San Luis Obispo, California Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Luis Obispo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,614 $9,575
Farmers $5,488 $8,954
GEICO $4,956 $5,037
Liberty Mutual $4,041 $4,319
Nationwide $7,691 $8,470
Progressive $4,642 $5,590
State Farm $5,270 $6,532
Travelers $4,243 $4,803
USAA $4,017 $4,046

Cheap San Luis Obispo, California Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Luis Obispo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,000 $2,018
Farmers $1,566 $1,566
GEICO $1,533 $1,533
Liberty Mutual $1,744 $1,690
Nationwide $2,629 $2,474
Progressive $1,478 $1,753
State Farm $2,558 $2,558
Travelers $1,837 $1,819
USAA $1,731 $1,736

Cheap San Luis Obispo, 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 San Luis Obispo, California compared to the annual auto insurance rates with a clean record in San Luis Obispo, California.

Annual San Luis Obispo, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,566 $4,314 $6,771 $3,365
Farmers $2,348 $3,194 $3,973 $3,169
GEICO $1,839 $2,843 $3,563 $2,282
Liberty Mutual $2,133 $2,857 $2,580 $2,260
Nationwide $2,989 $3,829 $6,467 $3,829
Progressive $1,816 $3,086 $3,572 $2,616
State Farm $2,594 $3,094 $5,843 $3,010
Travelers $1,857 $2,993 $3,461 $2,710
USAA $1,642 $2,442 $3,989 $1,798

Cheap San Luis Obispo, California Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Luis Obispo, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,771
Farmers $3,973
GEICO $3,563
Liberty Mutual $2,580
Nationwide $6,467
Progressive $3,572
State Farm $5,843
Travelers $3,461
USAA $3,989

Cheap San Luis Obispo, California Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Luis Obispo, California

ZIP Code Average Annual Rates
93401 $3,718
93405 $4,068
93407 $4,336
93410 $4,514

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap San Luis Obispo, California Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in San Luis Obispo, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,837 $4,671
Farmers $2,877 $3,464
GEICO $2,391 $2,873
Liberty Mutual $2,258 $2,657
Nationwide $3,778 $4,779
Progressive $2,514 $3,030
State Farm $3,504 $3,767
Travelers $2,486 $3,024
USAA $2,276 $2,659

Cheap San Luis Obispo, California Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Luis Obispo, California

Insurance Company Low Medium High
Allstate $4,027 $4,291 $4,444
Farmers $2,941 $3,196 $3,375
GEICO $2,366 $2,663 $2,866
Liberty Mutual $2,286 $2,480 $2,606
Nationwide $3,846 $4,359 $4,631
Progressive $2,482 $2,858 $2,977
State Farm $3,290 $3,695 $3,921
Travelers $2,382 $2,835 $3,048
USAA $2,246 $2,514 $2,642

Best By Category: Cheapest Auto Insurance in San Luis Obispo, California

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

Best Annual Auto Insurance Rates by Company in San Luis Obispo, 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

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 San Luis Obispo, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Luis Obispo, California

Insurance Company Average Annual Rates
Allstate $4,254
Farmers $3,171
GEICO $2,632
Liberty Mutual $2,458
Nationwide $4,279
Progressive $2,772
State Farm $3,635
Travelers $2,755
USAA $2,468

What affects auto insurance rates in San Luis Obispo, California?

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

San Luis Obispo Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Luis Obispo, California auto theft statistics, there have been 74 auto thefts in the city.

San Luis Obispo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Luis Obispo, California commute length is 15.7 minutes according to City-Data.

Compare San Luis Obispo, California Auto Insurance Quotes

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