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 Granite Bay, CA are $287/month
  • The cheapest car insurance company in Granite Bay for teen drivers is USAA
  • Average car insurance rates in Granite Bay, CA for senior drivers are $2,073/year

Average car insurance rates in Granite Bay, California are $287 a month. But with a little research you can get a great deal from the top car insurance companies in Granite Bay, CA. Before you buy Granite 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 Granite Bay car insurance rates with Sacramento car insurance rates, San Francisco car insurance rates, or Los Angeles car insurance rates to make sure you’re getting the best Granite Bay, CA car insurance quotes available.

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

Granite Bay, CA Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,966 $4,255 $4,424
Farmers $4,156 $4,502 $4,743
GEICO $2,343 $2,603 $2,779
Liberty Mutual $2,726 $2,958 $3,114
Nationwide $3,894 $4,467 $4,789
Progressive $2,412 $2,843 $2,984
State Farm $3,583 $4,103 $4,391
Travelers $2,657 $3,155 $3,395
USAA $2,372 $2,668 $2,811

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Granite 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 $2,729 $2,731 $1,992 $2,006 $7,527 $9,461 $3,470 $3,801
Farmers $2,429 $2,429 $2,191 $2,191 $7,742 $12,673 $2,877 $3,203
GEICO $1,596 $1,597 $1,501 $1,501 $4,843 $4,929 $2,290 $2,344
Liberty Mutual $2,237 $2,114 $2,077 $2,011 $4,816 $5,144 $2,516 $2,545
Nationwide $3,085 $2,946 $2,714 $2,559 $7,812 $8,642 $3,681 $3,628
Progressive $1,709 $1,756 $1,475 $1,738 $4,627 $5,541 $2,471 $2,652
State Farm $3,164 $3,164 $2,827 $2,827 $5,845 $7,272 $3,500 $3,606
Travelers $2,297 $2,223 $2,032 $2,012 $4,734 $5,375 $2,970 $2,909
USAA $1,876 $1,777 $1,830 $1,837 $4,276 $4,297 $2,593 $2,451

Granite Bay, CA Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,527 $9,461
Farmers $7,742 $12,673
GEICO $4,843 $4,929
Liberty Mutual $4,816 $5,144
Nationwide $7,812 $8,642
Progressive $4,627 $5,541
State Farm $5,845 $7,272
Travelers $4,734 $5,375
USAA $4,276 $4,297

Granite Bay, CA Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,992 $2,006
Farmers $2,191 $2,191
GEICO $1,501 $1,501
Liberty Mutual $2,077 $2,011
Nationwide $2,714 $2,559
Progressive $1,475 $1,738
State Farm $2,827 $2,827
Travelers $2,032 $2,012
USAA $1,830 $1,837

Granite Bay, CA Car Insurance Rates by Driver History

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

Annual Granite Bay, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,547 $4,260 $6,715 $3,336
Farmers $3,305 $4,498 $5,600 $4,466
GEICO $1,802 $2,776 $3,488 $2,235
Liberty Mutual $2,545 $3,410 $3,079 $2,697
Nationwide $3,058 $3,924 $6,628 $3,924
Progressive $1,794 $3,064 $3,538 $2,588
State Farm $2,874 $3,427 $6,467 $3,335
Travelers $2,055 $3,339 $3,866 $3,016
USAA $1,739 $2,588 $4,236 $1,905

Granite Bay, CA Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,715
Farmers $5,600
GEICO $3,488
Liberty Mutual $3,079
Nationwide $6,628
Progressive $3,538
State Farm $6,467
Travelers $3,866
USAA $4,236

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Granite Bay, CA Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,795 $4,634
Farmers $4,053 $4,881
GEICO $2,339 $2,811
Liberty Mutual $2,691 $3,174
Nationwide $3,876 $4,890
Progressive $2,489 $3,003
State Farm $3,877 $4,174
Travelers $2,765 $3,373
USAA $2,412 $2,822

Granite Bay, CA Cheapest Car Insurance Rates

How do the top Granite Bay, California car insurance companies’ average rates stack up against the Granite Bay average monthly car insurance rates of $287? Take a look and see.

Best Annual Car Insurance Rates by Company in Granite Bay, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Granite Bay, CA Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,215
Farmers $4,467
GEICO $2,575
Liberty Mutual $2,933
Nationwide $4,383
Progressive $2,746
State Farm $4,026
Travelers $3,069
USAA $2,617

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Other Factors Affecting Granite Bay, CA Car Insurance Rates

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

Granite Bay, CA Commute Time

How does your Granite Bay, CA commute time compare with the average driver? In Granite Bay, the average commute is 29.8 minutes.

Granite Bay, CA Car Insurance Quotes

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