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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The annual number of car thefts in Arcata is 64.
  • Average car insurance rates in Arcata, CA for senior drivers are $1,805/year
  • Average car insurance rates in Arcata, CA are $251/month

Average car insurance rates in Arcata, California are $251 a month. But with a little research you can get a great deal from the top car insurance companies in Arcata, CA. Before you buy Arcata, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Arcata car insurance rates with San Francisco car insurance rates, San Jose car insurance rates, or Los Angeles car insurance rates to make sure you’re getting the best Arcata, CA car insurance quotes available.

Need affordable Arcata, CA car insurance? Enter your ZIP code to compare Arcata car insurance quotes from multiple car insurance companies near you.

Arcata, CA Minimum Car Insurance Coverage

Arcata, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Arcata, 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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Arcata, CA Car Insurance Rates by Coverage Level

Some Arcata drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Arcata, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Arcata, California

Insurance Company Low Medium High
Allstate $3,548 $3,723 $3,824
Farmers $3,691 $3,946 $4,122
GEICO $2,375 $2,596 $2,736
Liberty Mutual $2,496 $2,673 $2,792
Nationwide $3,372 $3,769 $3,984
Progressive $2,123 $2,431 $2,529
State Farm $2,935 $3,248 $3,431
Travelers $2,344 $2,714 $2,886
USAA $2,142 $2,374 $2,486

Arcata, CA Car Insurance Rates by Age, Gender, and Marital Status

Arcata, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Arcata, CA car insurance, get quotes from multiple car insurance companies in the Arcata area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Arcata, 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 $2,379 $2,389 $1,730 $1,765 $6,531 $8,230 $3,103 $3,457
Farmers $2,116 $2,116 $1,898 $1,898 $6,791 $11,232 $2,511 $2,797
GEICO $1,586 $1,587 $1,492 $1,492 $4,846 $4,936 $2,280 $2,333
Liberty Mutual $2,020 $1,920 $1,864 $1,810 $4,389 $4,644 $2,285 $2,297
Nationwide $2,618 $2,503 $2,281 $2,155 $6,608 $7,281 $3,124 $3,096
Progressive $1,487 $1,530 $1,265 $1,499 $3,936 $4,742 $2,135 $2,294
State Farm $2,537 $2,537 $2,264 $2,264 $4,617 $5,721 $2,805 $2,894
Travelers $2,001 $1,943 $1,773 $1,755 $4,005 $4,600 $2,576 $2,530
USAA $1,677 $1,592 $1,637 $1,647 $3,780 $3,812 $2,327 $2,202

Arcata, CA Car Insurance Rates for Teens

How much is Arcata, California car insurance for teens? Compare rates from top Arcata car insurance companies below to help find the cheapest teen car insurance in Arcata, CA.

Annual Car Insurance Rates for Teen Drivers in Arcata, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,531 $8,230
Farmers $6,791 $11,232
GEICO $4,846 $4,936
Liberty Mutual $4,389 $4,644
Nationwide $6,608 $7,281
Progressive $3,936 $4,742
State Farm $4,617 $5,721
Travelers $4,005 $4,600
USAA $3,780 $3,812

Arcata, CA Car Insurance Rates for Seniors

Before seniors buy Arcata, California car insurance, they should make sure to shop around. Some Arcata, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Arcata, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,730 $1,765
Farmers $1,898 $1,898
GEICO $1,492 $1,492
Liberty Mutual $1,864 $1,810
Nationwide $2,281 $2,155
Progressive $1,265 $1,499
State Farm $2,264 $2,264
Travelers $1,773 $1,755
USAA $1,637 $1,647

Arcata, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Arcata, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Arcata.

Annual Arcata, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,221 $3,781 $5,872 $2,918
Farmers $2,892 $3,943 $4,923 $3,921
GEICO $1,797 $2,774 $3,477 $2,228
Liberty Mutual $2,302 $3,088 $2,785 $2,440
Nationwide $2,594 $3,318 $5,603 $3,318
Progressive $1,550 $2,625 $3,039 $2,229
State Farm $2,283 $2,725 $5,161 $2,652
Travelers $1,801 $2,859 $3,333 $2,598
USAA $1,554 $2,305 $3,776 $1,701

Arcata, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Arcata, CA car insurance rates. Compare rates below to see which Arcata car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Arcata, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,872
Farmers $4,923
GEICO $3,477
Liberty Mutual $2,785
Nationwide $5,603
Progressive $3,039
State Farm $5,161
Travelers $3,333
USAA $3,776

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Arcata, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Arcata, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Arcata companies based on commute time.

Annual Car Insurance Rates by Commute Length in Arcata, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,347 $4,050
Farmers $3,558 $4,282
GEICO $2,334 $2,804
Liberty Mutual $2,437 $2,871
Nationwide $3,278 $4,139
Progressive $2,143 $2,578
State Farm $3,089 $3,321
Travelers $2,388 $2,907
USAA $2,153 $2,515

Arcata, CA Cheapest Car Insurance Rates

How do the top Arcata, California car insurance companies’ average rates stack up against the Arcata average monthly car insurance rates of $251? Take a look and see.

Best Annual Car Insurance Rates by Company in Arcata, California

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

Arcata, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Arcata, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Arcata, California

Insurance Company Average Annual Rates
Allstate $3,698
Farmers $3,920
GEICO $2,569
Liberty Mutual $2,654
Nationwide $3,708
Progressive $2,361
State Farm $3,205
Travelers $2,648
USAA $2,334

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Other Factors Affecting Arcata, CA Car Insurance Rates

Before you buy Arcata, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Arcata, CA Car Theft Rates

The car theft rate in Arcata, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Arcata, California is 64 stolen cars.

Arcata, CA Commute Time

How does your Arcata, CA commute time compare with the average driver? In Arcata, the average commute is 17.2 minutes.

Arcata, CA Car Insurance Quotes

Compare Arcata, CA car insurance quotes from multiple companies by entering your ZIP code now.