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 Grand Terrace, CA for senior drivers are $2,190/year
  • Average car insurance rates in Grand Terrace, CA are $306/month
  • The cheapest car insurance company in Grand Terrace for teen drivers is USAA

Average car insurance rates in Grand Terrace, California are $306 a month. But with a little research you can get a great deal from the top car insurance companies in Grand Terrace, CA. Before you buy Grand Terrace, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Grand Terrace car insurance rates with Bakersfield car insurance rates, Sacramento car insurance rates, or Anaheim car insurance rates to make sure you’re getting the best Grand Terrace, CA car insurance quotes available.

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

Grand Terrace, CA Minimum Car Insurance Coverage

Grand Terrace, 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 Grand Terrace, 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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Grand Terrace, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Grand Terrace, California

Insurance Company Low Medium High
Allstate $4,547 $4,824 $4,984
Farmers $4,883 $5,295 $5,582
GEICO $2,590 $2,932 $3,163
Liberty Mutual $2,658 $2,893 $3,048
Nationwide $3,932 $4,461 $4,762
Progressive $2,452 $2,814 $2,938
State Farm $3,881 $4,401 $4,693
Travelers $2,890 $3,387 $3,624
USAA $2,309 $2,584 $2,716

Grand Terrace, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Grand Terrace, 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 $3,069 $3,076 $2,232 $2,260 $8,550 $10,773 $3,954 $4,366
Farmers $2,856 $2,856 $2,580 $2,580 $9,106 $14,896 $3,384 $3,769
GEICO $1,795 $1,796 $1,688 $1,688 $5,451 $5,534 $2,576 $2,629
Liberty Mutual $2,180 $2,059 $2,029 $1,965 $4,722 $5,043 $2,451 $2,478
Nationwide $3,083 $2,942 $2,703 $2,547 $7,845 $8,661 $3,672 $3,626
Progressive $1,710 $1,762 $1,457 $1,729 $4,569 $5,515 $2,472 $2,661
State Farm $3,403 $3,403 $3,041 $3,041 $6,273 $7,791 $3,766 $3,882
Travelers $2,461 $2,384 $2,175 $2,152 $5,077 $5,818 $3,204 $3,135
USAA $1,819 $1,725 $1,773 $1,782 $4,131 $4,162 $2,518 $2,381

Grand Terrace, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Grand Terrace, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,550 $10,773
Farmers $9,106 $14,896
GEICO $5,451 $5,534
Liberty Mutual $4,722 $5,043
Nationwide $7,845 $8,661
Progressive $4,569 $5,515
State Farm $6,273 $7,791
Travelers $5,077 $5,818
USAA $4,131 $4,162

Grand Terrace, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Grand Terrace, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,232 $2,260
Farmers $2,580 $2,580
GEICO $1,688 $1,688
Liberty Mutual $2,029 $1,965
Nationwide $2,703 $2,547
Progressive $1,457 $1,729
State Farm $3,041 $3,041
Travelers $2,175 $2,152
USAA $1,773 $1,782

Grand Terrace, CA Car Insurance Rates by Driver History

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

Annual Grand Terrace, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,874 $4,863 $7,624 $3,780
Farmers $3,885 $5,290 $6,586 $5,252
GEICO $2,023 $3,126 $3,920 $2,510
Liberty Mutual $2,487 $3,332 $3,008 $2,636
Nationwide $3,061 $3,923 $6,632 $3,923
Progressive $1,788 $3,040 $3,536 $2,574
State Farm $3,087 $3,681 $6,951 $3,582
Travelers $2,203 $3,587 $4,172 $3,240
USAA $1,686 $2,510 $4,103 $1,847

Grand Terrace, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Grand Terrace, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,624
Farmers $6,586
GEICO $3,920
Liberty Mutual $3,008
Nationwide $6,632
Progressive $3,536
State Farm $6,951
Travelers $4,172
USAA $4,103

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Grand Terrace, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Grand Terrace, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,317 $5,254
Farmers $4,766 $5,741
GEICO $2,629 $3,160
Liberty Mutual $2,632 $3,101
Nationwide $3,871 $4,899
Progressive $2,484 $2,985
State Farm $4,167 $4,483
Travelers $2,969 $3,632
USAA $2,339 $2,734

Grand Terrace, CA Cheapest Car Insurance Rates

How do the top Grand Terrace, California car insurance companies’ average rates stack up against the Grand Terrace average monthly car insurance rates of $306? Take a look and see.

Best Annual Car Insurance Rates by Company in Grand Terrace, 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

Grand Terrace, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Grand Terrace, California

Insurance Company Average Annual Rates
Allstate $4,785
Farmers $5,253
GEICO $2,895
Liberty Mutual $2,866
Nationwide $4,385
Progressive $2,734
State Farm $4,325
Travelers $3,301
USAA $2,536

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Other Factors Affecting Grand Terrace, CA Car Insurance Rates

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

Grand Terrace, CA Car Theft Rates

The car theft rate in Grand Terrace, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Grand Terrace, California is 33 stolen cars.

Grand Terrace, CA Commute Time

How does your Grand Terrace, CA commute time compare with the average driver? In Grand Terrace, the average commute is 27.1 minutes.

Grand Terrace, CA Car Insurance Quotes

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