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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Capitola after a DUI is Progressive
  • The cheapest car insurance company in Capitola for teen drivers is Progressive
  • Average car insurance rates in Capitola, CA for senior drivers are $1,851/year

Average car insurance rates in Capitola, California are $256 a month. But with a little research you can get a great deal from the top car insurance companies in Capitola, CA. Before you buy Capitola, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Capitola car insurance rates with San Jose car insurance rates, San Diego car insurance rates, or Anaheim car insurance rates to make sure you’re getting the best Capitola, CA car insurance quotes available.

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

Capitola, CA Minimum Car Insurance Coverage

Capitola, 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 Capitola, 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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Capitola, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Capitola, California

Insurance Company Low Medium High
Allstate $3,491 $3,710 $3,836
Farmers $3,890 $4,202 $4,419
GEICO $2,262 $2,525 $2,696
Liberty Mutual $2,523 $2,727 $2,855
Nationwide $3,476 $3,927 $4,159
Progressive $1,694 $1,908 $1,963
State Farm $3,323 $3,743 $3,975
Travelers $2,565 $3,011 $3,220
USAA $2,127 $2,374 $2,492

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Capitola, 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 $2,360 $2,358 $1,737 $1,748 $6,619 $8,318 $3,005 $3,285
Farmers $2,262 $2,262 $2,043 $2,043 $7,228 $11,854 $2,683 $2,989
GEICO $1,544 $1,544 $1,452 $1,452 $4,705 $4,776 $2,218 $2,262
Liberty Mutual $2,044 $1,937 $1,903 $1,846 $4,487 $4,769 $2,305 $2,321
Nationwide $2,702 $2,578 $2,367 $2,231 $6,908 $7,602 $3,242 $3,200
Progressive $1,187 $1,221 $1,000 $1,186 $3,069 $3,698 $1,679 $1,801
State Farm $2,893 $2,893 $2,587 $2,587 $5,345 $6,623 $3,205 $3,306
Travelers $2,193 $2,123 $1,946 $1,926 $4,500 $5,145 $2,844 $2,780
USAA $1,674 $1,588 $1,632 $1,640 $3,788 $3,819 $2,316 $2,191

Capitola, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Capitola, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,619 $8,318
Farmers $7,228 $11,854
GEICO $4,705 $4,776
Liberty Mutual $4,487 $4,769
Nationwide $6,908 $7,602
Progressive $3,069 $3,698
State Farm $5,345 $6,623
Travelers $4,500 $5,145
USAA $3,788 $3,819

Capitola, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Capitola, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,737 $1,748
Farmers $2,043 $2,043
GEICO $1,452 $1,452
Liberty Mutual $1,903 $1,846
Nationwide $2,367 $2,231
Progressive $1,000 $1,186
State Farm $2,587 $2,587
Travelers $1,946 $1,926
USAA $1,632 $1,640

Capitola, CA Car Insurance Rates by Driver History

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

Annual Capitola, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,231 $3,727 $5,839 $2,918
Farmers $3,083 $4,199 $5,231 $4,170
GEICO $1,743 $2,696 $3,376 $2,162
Liberty Mutual $2,345 $3,142 $2,834 $2,485
Nationwide $2,695 $3,450 $5,820 $3,450
Progressive $1,229 $2,060 $2,368 $1,762
State Farm $2,627 $3,132 $5,912 $3,048
Travelers $1,969 $3,184 $3,695 $2,880
USAA $1,552 $2,307 $3,766 $1,699

Capitola, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Capitola, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,839
Farmers $5,231
GEICO $3,376
Liberty Mutual $2,834
Nationwide $5,820
Progressive $2,368
State Farm $5,912
Travelers $3,695
USAA $3,766

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Capitola, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Capitola, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,322 $4,035
Farmers $3,784 $4,557
GEICO $2,265 $2,723
Liberty Mutual $2,483 $2,920
Nationwide $3,406 $4,301
Progressive $1,683 $2,027
State Farm $3,547 $3,813
Travelers $2,642 $3,222
USAA $2,150 $2,511

Capitola, CA Cheapest Car Insurance Rates

How do the top Capitola, California car insurance companies’ average rates stack up against the Capitola average monthly car insurance rates of $256? Take a look and see.

Best Annual Car Insurance Rates by Company in Capitola, California

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

Capitola, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Capitola, California

Insurance Company Average Annual Rates
Allstate $3,679
Farmers $4,171
GEICO $2,494
Liberty Mutual $2,701
Nationwide $3,854
Progressive $1,855
State Farm $3,680
Travelers $2,932
USAA $2,331

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Other Factors Affecting Capitola, CA Car Insurance Rates

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

Capitola, CA Car Theft Rates

The car theft rate in Capitola, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Capitola, California is 21 stolen cars.

Capitola, CA Commute Time

How does your Capitola, CA commute time compare with the average driver? In Capitola, the average commute is 24.6 minutes.

Capitola, CA Car Insurance Quotes

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