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 Los Osos after a DUI is Liberty Mutual
  • Average car insurance rates in Los Osos, CA are $235/month
  • Average car insurance rates in Los Osos, CA for senior drivers are $1,707/year

Average car insurance rates in Los Osos, California are $235 a month. But with a little research you can get a great deal from the top car insurance companies in Los Osos, CA. Before you buy Los Osos, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Los Osos car insurance rates with San Jose car insurance rates, Bakersfield car insurance rates, or Oakland car insurance rates to make sure you’re getting the best Los Osos, CA car insurance quotes available.

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

Los Osos, CA Minimum Car Insurance Coverage

Los Osos, 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 Los Osos, 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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Los Osos, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Los Osos, California

Insurance Company Low Medium High
Allstate $3,239 $3,418 $3,519
Farmers $3,097 $3,363 $3,548
GEICO $2,190 $2,469 $2,656
Liberty Mutual $2,172 $2,344 $2,458
Nationwide $3,081 $3,471 $3,683
Progressive $2,044 $2,415 $2,550
State Farm $2,930 $3,276 $3,479
Travelers $2,258 $2,641 $2,820
USAA $2,142 $2,394 $2,515

Los Osos, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Los Osos, 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 $2,179 $2,181 $1,605 $1,621 $6,059 $7,620 $2,796 $3,075
Farmers $1,818 $1,818 $1,643 $1,643 $5,779 $9,437 $2,153 $2,396
GEICO $1,511 $1,512 $1,421 $1,421 $4,594 $4,665 $2,170 $2,214
Liberty Mutual $1,771 $1,677 $1,645 $1,595 $3,830 $4,075 $1,994 $2,010
Nationwide $2,403 $2,294 $2,105 $1,986 $6,093 $6,709 $2,868 $2,834
Progressive $1,456 $1,496 $1,265 $1,486 $3,919 $4,692 $2,111 $2,265
State Farm $2,544 $2,544 $2,275 $2,275 $4,675 $5,791 $2,815 $2,905
Travelers $1,941 $1,883 $1,725 $1,708 $3,913 $4,469 $2,498 $2,448
USAA $1,689 $1,598 $1,653 $1,658 $3,820 $3,843 $2,337 $2,207

Los Osos, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Los Osos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,059 $7,620
Farmers $5,779 $9,437
GEICO $4,594 $4,665
Liberty Mutual $3,830 $4,075
Nationwide $6,093 $6,709
Progressive $3,919 $4,692
State Farm $4,675 $5,791
Travelers $3,913 $4,469
USAA $3,820 $3,843

Los Osos, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Los Osos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,605 $1,621
Farmers $1,643 $1,643
GEICO $1,421 $1,421
Liberty Mutual $1,645 $1,595
Nationwide $2,105 $1,986
Progressive $1,265 $1,486
State Farm $2,275 $2,275
Travelers $1,725 $1,708
USAA $1,653 $1,658

Los Osos, CA Car Insurance Rates by Driver History

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

Annual Los Osos, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,055 $3,448 $5,376 $2,689
Farmers $2,470 $3,360 $4,180 $3,334
GEICO $1,704 $2,635 $3,301 $2,114
Liberty Mutual $2,017 $2,704 $2,440 $2,138
Nationwide $2,389 $3,056 $5,146 $3,056
Progressive $1,526 $2,603 $3,020 $2,197
State Farm $2,303 $2,747 $5,190 $2,673
Travelers $1,748 $2,784 $3,232 $2,527
USAA $1,565 $2,324 $3,800 $1,713

Los Osos, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Los Osos, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,376
Farmers $4,180
GEICO $3,301
Liberty Mutual $2,440
Nationwide $5,146
Progressive $3,020
State Farm $5,190
Travelers $3,232
USAA $3,800

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Los Osos, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Los Osos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,068 $3,716
Farmers $3,027 $3,645
GEICO $2,215 $2,662
Liberty Mutual $2,136 $2,513
Nationwide $3,016 $3,807
Progressive $2,123 $2,550
State Farm $3,111 $3,345
Travelers $2,323 $2,823
USAA $2,167 $2,534

Los Osos, CA Cheapest Car Insurance Rates

How do the top Los Osos, California car insurance companies’ average rates stack up against the Los Osos average monthly car insurance rates of $235? Take a look and see.

Best Annual Car Insurance Rates by Company in Los Osos, California

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

Los Osos, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Los Osos, California

Insurance Company Average Annual Rates
Allstate $3,392
Farmers $3,336
GEICO $2,438
Liberty Mutual $2,325
Nationwide $3,412
Progressive $2,336
State Farm $3,228
Travelers $2,573
USAA $2,351

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Other Factors Affecting Los Osos, CA Car Insurance Rates

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

Los Osos, CA Commute Time

How does your Los Osos, CA commute time compare with the average driver? In Los Osos, the average commute is 24.5 minutes.

Los Osos, CA Car Insurance Quotes

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