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

  • 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.

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.

Minimum Required Car Insurance Coverage in Gilroy, 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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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.

Annual Car Insurance Rates by Coverage Level in Gilroy, California

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gilroy, 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 $2,520 $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.

Annual Car Insurance Rates for Teen Drivers in Gilroy, California

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.

Annual Car Insurance Rates for Senior Drivers in Gilroy, California

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.

Annual Gilroy, California Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Gilroy, California

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.

Annual Car Insurance Rates by Commute Length in Gilroy, California

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.

Best Annual Car Insurance Rates by Company in Gilroy, 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

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.

Average Annual Car Insurance Rates by Company in Gilroy, California

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.