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 Monterey, CA for senior drivers are $1,953/year
  • The annual number of car thefts in Monterey is 80.
  • The cheapest car insurance company in Monterey after a DUI is Liberty Mutual

Average car insurance rates in Monterey, California are $274 a month. But with a little research you can get a great deal from the top car insurance companies in Monterey, CA. Before you buy Monterey, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

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

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

Monterey, CA Minimum Car Insurance Coverage

Monterey, 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 Monterey, 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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Monterey, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Monterey, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $3,894 $4,215 $4,443
GEICO $2,635 $2,917 $3,105
Liberty Mutual $2,419 $2,598 $2,717
Nationwide $3,842 $4,340 $4,605
Progressive $2,077 $2,333 $2,408
State Farm $2,980 $3,385 $3,612
Travelers $2,411 $2,846 $3,052
USAA $2,359 $2,648 $2,788

Monterey, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Monterey, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,276 $2,276 $2,057 $2,057 $7,245 $11,858 $2,696 $3,004
GEICO $1,783 $1,784 $1,677 $1,677 $5,442 $5,538 $2,563 $2,620
Liberty Mutual $1,954 $1,853 $1,816 $1,760 $4,281 $4,538 $2,205 $2,220
Nationwide $2,986 $2,848 $2,616 $2,464 $7,654 $8,429 $3,574 $3,528
Progressive $1,441 $1,484 $1,211 $1,442 $3,769 $4,562 $2,058 $2,214
State Farm $2,620 $2,620 $2,339 $2,339 $4,815 $5,988 $2,897 $2,985
Travelers $2,077 $2,012 $1,846 $1,828 $4,250 $4,837 $2,683 $2,625
USAA $1,859 $1,764 $1,809 $1,819 $4,252 $4,278 $2,572 $2,434

Monterey, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Monterey, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $7,245 $11,858
GEICO $5,442 $5,538
Liberty Mutual $4,281 $4,538
Nationwide $7,654 $8,429
Progressive $3,769 $4,562
State Farm $4,815 $5,988
Travelers $4,250 $4,837
USAA $4,252 $4,278

Monterey, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Monterey, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $2,057 $2,057
GEICO $1,677 $1,677
Liberty Mutual $1,816 $1,760
Nationwide $2,616 $2,464
Progressive $1,211 $1,442
State Farm $2,339 $2,339
Travelers $1,846 $1,828
USAA $1,809 $1,819

Monterey, CA Car Insurance Rates by Driver History

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

Annual Monterey, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $3,093 $4,213 $5,247 $4,183
GEICO $2,017 $3,118 $3,906 $2,502
Liberty Mutual $2,238 $2,999 $2,705 $2,371
Nationwide $2,978 $3,814 $6,443 $3,814
Progressive $1,497 $2,522 $2,923 $2,149
State Farm $2,372 $2,830 $5,347 $2,754
Travelers $1,867 $3,007 $3,483 $2,722
USAA $1,726 $2,570 $4,206 $1,891

Monterey, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Monterey, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,445
Farmers $5,247
GEICO $3,906
Liberty Mutual $2,705
Nationwide $6,443
Progressive $2,923
State Farm $5,347
Travelers $3,483
USAA $4,206

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Monterey, CA Car Insurance Rates by ZIP Code

Just like Monterey car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Monterey, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Monterey, California

ZIP Code Average Annual Rates
93940 $4,102
93943 $4,497

Monterey, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Monterey, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $3,796 $4,571
GEICO $2,621 $3,150
Liberty Mutual $2,368 $2,789
Nationwide $3,763 $4,762
Progressive $2,064 $2,481
State Farm $3,203 $3,448
Travelers $2,499 $3,041
USAA $2,394 $2,802

Monterey, CA Cheapest Car Insurance Rates

How do the top Monterey, California car insurance companies’ average rates stack up against the Monterey average monthly car insurance rates of $274? Take a look and see.

Best Annual Car Insurance Rates by Company in Monterey, California

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

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Monterey, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Monterey, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $4,184
GEICO $2,886
Liberty Mutual $2,578
Nationwide $4,262
Progressive $2,273
State Farm $3,326
Travelers $2,770
USAA $2,598

Other Factors Affecting Monterey, CA Car Insurance Rates

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

Monterey, CA Car Theft Rates

The car theft rate in Monterey, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Monterey, California is 80 stolen cars.

Monterey, CA Commute Time

How does your Monterey, CA commute time compare with the average driver? In Monterey, the average commute is 30.4 minutes.

Monterey, CA Traffic

Spending time in Monterey traffic can lead to higher car insurance rates. According to INRIX data, Monterey, CA ranks as the 416th-most congested with traffic in the world.

Monterey, CA Car Insurance Quotes

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