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 Carnelian Bay for teen drivers is USAA
  • The cheapest car insurance company in Carnelian Bay after a DUI is Liberty Mutual
  • Average car insurance rates in Carnelian Bay, CA for senior drivers are $2,018/year

Average car insurance rates in Carnelian Bay, California are $279 a month. But with a little research you can get a great deal from the top car insurance companies in Carnelian Bay, CA. Before you buy Carnelian Bay, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

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

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

Carnelian Bay, CA Minimum Car Insurance Coverage

Carnelian Bay, 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 Carnelian Bay, 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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Carnelian Bay, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Carnelian Bay, California

Insurance Company Low Medium High
Allstate $3,401 $3,587 $3,695
Farmers $4,174 $4,514 $4,753
GEICO $2,682 $2,999 $3,211
Liberty Mutual $2,866 $3,082 $3,220
Nationwide $3,770 $4,255 $4,525
Progressive $2,403 $2,759 $2,871
State Farm $3,281 $3,671 $3,893
Travelers $2,702 $3,146 $3,355
USAA $2,329 $2,606 $2,740

Carnelian Bay, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carnelian Bay, 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 $2,301 $2,311 $1,678 $1,707 $6,286 $7,918 $2,979 $3,310
Farmers $2,435 $2,435 $2,197 $2,197 $7,761 $12,717 $2,885 $3,213
GEICO $1,838 $1,840 $1,730 $1,730 $5,571 $5,666 $2,637 $2,699
Liberty Mutual $2,312 $2,197 $2,141 $2,078 $5,090 $5,382 $2,619 $2,629
Nationwide $2,950 $2,819 $2,577 $2,432 $7,454 $8,230 $3,520 $3,483
Progressive $1,680 $1,729 $1,428 $1,695 $4,476 $5,394 $2,418 $2,600
State Farm $2,855 $2,855 $2,549 $2,549 $5,220 $6,477 $3,158 $3,256
Travelers $2,296 $2,226 $2,031 $2,009 $4,691 $5,388 $2,981 $2,919
USAA $1,836 $1,739 $1,793 $1,800 $4,165 $4,191 $2,541 $2,402

Carnelian Bay, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Carnelian Bay, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,286 $7,918
Farmers $7,761 $12,717
GEICO $5,571 $5,666
Liberty Mutual $5,090 $5,382
Nationwide $7,454 $8,230
Progressive $4,476 $5,394
State Farm $5,220 $6,477
Travelers $4,691 $5,388
USAA $4,165 $4,191

Carnelian Bay, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Carnelian Bay, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,678 $1,707
Farmers $2,197 $2,197
GEICO $1,730 $1,730
Liberty Mutual $2,141 $2,078
Nationwide $2,577 $2,432
Progressive $1,428 $1,695
State Farm $2,549 $2,549
Travelers $2,031 $2,009
USAA $1,793 $1,800

Carnelian Bay, CA Car Insurance Rates by Driver History

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

Annual Carnelian Bay, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,146 $3,628 $5,655 $2,815
Farmers $3,312 $4,510 $5,619 $4,479
GEICO $2,074 $3,193 $4,016 $2,573
Liberty Mutual $2,652 $3,556 $3,206 $2,810
Nationwide $2,921 $3,742 $6,326 $3,742
Progressive $1,755 $2,979 $3,450 $2,527
State Farm $2,576 $3,075 $5,816 $2,992
Travelers $2,060 $3,325 $3,874 $3,010
USAA $1,701 $2,529 $4,141 $1,863

Carnelian Bay, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Carnelian Bay, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,655
Farmers $5,619
GEICO $4,016
Liberty Mutual $3,206
Nationwide $6,326
Progressive $3,450
State Farm $5,816
Travelers $3,874
USAA $4,141

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Carnelian Bay, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Carnelian Bay, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,219 $3,904
Farmers $4,065 $4,895
GEICO $2,693 $3,236
Liberty Mutual $2,807 $3,306
Nationwide $3,697 $4,670
Progressive $2,429 $2,926
State Farm $3,483 $3,746
Travelers $2,761 $3,374
USAA $2,358 $2,758

Carnelian Bay, CA Cheapest Car Insurance Rates

How do the top Carnelian Bay, California car insurance companies’ average rates stack up against the Carnelian Bay average monthly car insurance rates of $279? Take a look and see.

Best Annual Car Insurance Rates by Company in Carnelian Bay, 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

Carnelian Bay, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Carnelian Bay, California

Insurance Company Average Annual Rates
Allstate $3,561
Farmers $4,480
GEICO $2,964
Liberty Mutual $3,056
Nationwide $4,183
Progressive $2,677
State Farm $3,615
Travelers $3,068
USAA $2,558

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Other Factors Affecting Carnelian Bay, CA Car Insurance Rates

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

Carnelian Bay, CA Commute Time

How does your Carnelian Bay, CA commute time compare with the average driver? In Carnelian Bay, the average commute is 19.3 minutes.

Carnelian Bay, CA Car Insurance Quotes

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