Affordable Car Insurance Rates in Gilroy, CA (2021)
Car insurance rates in Gilroy, CA are $277/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Gilroy car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- Average car insurance rates in Gilroy, CA are $277/month
- The cheapest car insurance company in Gilroy after a DUI is Liberty Mutual
- Average car insurance rates in Gilroy, CA for senior drivers are $1,985/year
Average car insurance rates in Gilroy, California are $277 a month. But with a little research you can get a great deal from the top car insurance companies in Gilroy, CA. Before you buy Gilroy, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.
It may even be helpful to compare Gilroy car insurance rates with Sacramento car insurance rates, Oakland car insurance rates, or San Diego car insurance rates to make sure you’re getting the best Gilroy, CA car insurance quotes available.
Need affordable Gilroy, CA car insurance? Enter your ZIP code to compare Gilroy car insurance quotes from multiple car insurance companies near you.
Table of Contents
Gilroy, CA Minimum Car Insurance Coverage
Gilroy, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.
| 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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Gilroy, CA Car Insurance Rates by Coverage Level
Some Gilroy drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Gilroy, California car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,740 | $3,959 | $4,085 |
| Farmers | $4,401 | $4,744 | $4,980 |
| GEICO | $2,488 | $2,745 | $2,916 |
| Liberty Mutual | $2,501 | $2,707 | $2,840 |
| Nationwide | $3,542 | $4,001 | $4,251 |
| Progressive | $2,452 | $2,782 | $2,874 |
| State Farm | $3,477 | $3,886 | $4,113 |
| Travelers | $2,606 | $3,052 | $3,262 |
| USAA | $2,198 | $2,442 | $2,559 |
Gilroy, CA Car Insurance Rates by Age, Gender, and Marital Status
Gilroy, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Gilroy, CA car insurance, get quotes from multiple car insurance companies in the Gilroy area and see how these criteria affect your rates.
| 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 | $2,520 | $2,521 | $1,846 | $1,865 | $7,031 | $8,844 | $3,236 | $3,557 |
| Farmers | $2,545 | $2,545 | $2,298 | $2,298 | $8,168 | $13,420 | $3,021 | $3,370 |
| GEICO | $1,681 | $1,682 | $1,581 | $1,581 | $5,113 | $5,205 | $2,414 | $2,470 |
| Liberty Mutual | $2,034 | $1,926 | $1,895 | $1,836 | $4,441 | $4,727 | $2,292 | $2,311 |
| Nationwide | $2,764 | $2,639 | $2,420 | $2,281 | $7,030 | $7,748 | $3,303 | $3,264 |
| Progressive | $1,702 | $1,753 | $1,433 | $1,708 | $4,515 | $5,451 | $2,437 | $2,622 |
| State Farm | $3,013 | $3,013 | $2,693 | $2,693 | $5,544 | $6,865 | $3,338 | $3,443 |
| Travelers | $2,222 | $2,152 | $1,972 | $1,951 | $4,560 | $5,223 | $2,886 | $2,821 |
| USAA | $1,721 | $1,631 | $1,681 | $1,689 | $3,897 | $3,930 | $2,389 | $2,258 |
Gilroy, CA Car Insurance Rates for Teens
How much is Gilroy, California car insurance for teens? Compare rates from top Gilroy car insurance companies below to help find the cheapest teen car insurance in Gilroy, CA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,031 | $8,844 |
| Farmers | $8,168 | $13,420 |
| GEICO | $5,113 | $5,205 |
| Liberty Mutual | $4,441 | $4,727 |
| Nationwide | $7,030 | $7,748 |
| Progressive | $4,515 | $5,451 |
| State Farm | $5,544 | $6,865 |
| Travelers | $4,560 | $5,223 |
| USAA | $3,897 | $3,930 |
Gilroy, CA Car Insurance Rates for Seniors
Before seniors buy Gilroy, California car insurance, they should make sure to shop around. Some Gilroy, CA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,846 | $1,865 |
| Farmers | $2,298 | $2,298 |
| GEICO | $1,581 | $1,581 |
| Liberty Mutual | $1,895 | $1,836 |
| Nationwide | $2,420 | $2,281 |
| Progressive | $1,433 | $1,708 |
| State Farm | $2,693 | $2,693 |
| Travelers | $1,972 | $1,951 |
| USAA | $1,681 | $1,689 |
Gilroy, CA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Gilroy, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Gilroy.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,371 | $3,992 | $6,240 | $3,108 |
| Farmers | $3,478 | $4,739 | $5,907 | $4,708 |
| GEICO | $1,900 | $2,929 | $3,678 | $2,357 |
| Liberty Mutual | $2,329 | $3,120 | $2,815 | $2,467 |
| Nationwide | $2,748 | $3,519 | $5,939 | $3,519 |
| Progressive | $1,776 | $3,006 | $3,472 | $2,557 |
| State Farm | $2,729 | $3,255 | $6,149 | $3,168 |
| Travelers | $1,996 | $3,228 | $3,750 | $2,920 |
| USAA | $1,597 | $2,373 | $3,880 | $1,748 |
Gilroy, CA Car Insurance Rates With a DUI
Even a single DUI can increase your Gilroy, CA car insurance rates. Compare rates below to see which Gilroy car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,240 |
| Farmers | $5,907 |
| GEICO | $3,678 |
| Liberty Mutual | $2,815 |
| Nationwide | $5,939 |
| Progressive | $3,472 |
| State Farm | $6,149 |
| Travelers | $3,750 |
| USAA | $3,880 |
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Gilroy, CA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Gilroy, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Gilroy companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,549 | $4,307 |
| Farmers | $4,272 | $5,144 |
| GEICO | $2,468 | $2,965 |
| Liberty Mutual | $2,464 | $2,901 |
| Nationwide | $3,473 | $4,389 |
| Progressive | $2,450 | $2,955 |
| State Farm | $3,688 | $3,963 |
| Travelers | $2,678 | $3,268 |
| USAA | $2,213 | $2,586 |
Gilroy, CA Cheapest Car Insurance Rates
How do the top Gilroy, California car insurance companies’ average rates stack up against the Gilroy average monthly car insurance rates of $277? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Gilroy, CA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Gilroy, California car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,928 |
| Farmers | $4,708 |
| GEICO | $2,716 |
| Liberty Mutual | $2,683 |
| Nationwide | $3,931 |
| Progressive | $2,703 |
| State Farm | $3,825 |
| Travelers | $2,973 |
| USAA | $2,400 |
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Other Factors Affecting Gilroy, CA Car Insurance Rates
Before you buy Gilroy, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Gilroy, CA Car Theft Rates
The car theft rate in Gilroy, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Gilroy, California is 381 stolen cars.
Gilroy, CA Commute Time
How does your Gilroy, CA commute time compare with the average driver? In Gilroy, the average commute is 36.4 minutes.
Gilroy, CA Car Insurance Quotes
Compare Gilroy, CA car insurance quotes from multiple companies by entering your ZIP code now.