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 Morro Bay for teen drivers is Progressive
  • Average car insurance rates in Morro Bay, CA are $234/month
  • Average car insurance rates in Morro Bay, CA for senior drivers are $1,703/year

Average car insurance rates in Morro Bay, California are $234 a month. But with a little research you can get a great deal from the top car insurance companies in Morro Bay, CA. Before you buy Morro 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 Morro Bay car insurance rates with Oakland car insurance rates, Los Angeles car insurance rates, or Bakersfield car insurance rates to make sure you’re getting the best Morro Bay, CA car insurance quotes available.

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

Morro Bay, CA Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,244 $3,422 $3,524
Farmers $2,916 $3,174 $3,354
GEICO $2,372 $2,635 $2,810
Liberty Mutual $2,234 $2,422 $2,547
Nationwide $3,024 $3,417 $3,634
Progressive $1,867 $2,196 $2,318
State Farm $2,783 $3,118 $3,316
Travelers $2,395 $2,777 $2,957
USAA $2,215 $2,503 $2,643

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Morro 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 $2,182 $2,185 $1,607 $1,623 $6,065 $7,629 $2,800 $3,081
Farmers $1,718 $1,718 $1,556 $1,556 $5,452 $8,885 $2,034 $2,264
GEICO $1,612 $1,613 $1,516 $1,516 $4,907 $4,995 $2,316 $2,369
Liberty Mutual $1,835 $1,738 $1,703 $1,650 $3,934 $4,196 $2,065 $2,086
Nationwide $2,369 $2,262 $2,080 $1,962 $5,989 $6,602 $2,820 $2,785
Progressive $1,331 $1,367 $1,156 $1,358 $3,553 $4,257 $1,926 $2,067
State Farm $2,423 $2,423 $2,166 $2,166 $4,444 $5,511 $2,680 $2,764
Travelers $2,038 $1,978 $1,810 $1,790 $4,115 $4,730 $2,636 $2,581
USAA $1,760 $1,667 $1,718 $1,724 $4,015 $4,028 $2,426 $2,292

Morro Bay, CA Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,065 $7,629
Farmers $5,452 $8,885
GEICO $4,907 $4,995
Liberty Mutual $3,934 $4,196
Nationwide $5,989 $6,602
Progressive $3,553 $4,257
State Farm $4,444 $5,511
Travelers $4,115 $4,730
USAA $4,015 $4,028

Morro Bay, CA Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,607 $1,623
Farmers $1,556 $1,556
GEICO $1,516 $1,516
Liberty Mutual $1,703 $1,650
Nationwide $2,080 $1,962
Progressive $1,156 $1,358
State Farm $2,166 $2,166
Travelers $1,810 $1,790
USAA $1,718 $1,724

Morro Bay, CA Car Insurance Rates by Driver History

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

Annual Morro Bay, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,058 $3,453 $5,383 $2,692
Farmers $2,332 $3,171 $3,943 $3,146
GEICO $1,822 $2,812 $3,528 $2,260
Liberty Mutual $2,083 $2,792 $2,521 $2,208
Nationwide $2,352 $3,009 $5,065 $3,009
Progressive $1,392 $2,367 $2,749 $2,000
State Farm $2,191 $2,614 $4,941 $2,543
Travelers $1,835 $2,932 $3,413 $2,659
USAA $1,632 $2,426 $3,969 $1,787

Morro Bay, CA Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,383
Farmers $3,943
GEICO $3,528
Liberty Mutual $2,521
Nationwide $5,065
Progressive $2,749
State Farm $4,941
Travelers $3,413
USAA $3,969

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Morro Bay, CA Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,072 $3,721
Farmers $2,856 $3,440
GEICO $2,367 $2,844
Liberty Mutual $2,205 $2,596
Nationwide $2,970 $3,747
Progressive $1,934 $2,319
State Farm $2,960 $3,184
Travelers $2,444 $2,976
USAA $2,261 $2,647

Morro Bay, CA Cheapest Car Insurance Rates

How do the top Morro Bay, California car insurance companies’ average rates stack up against the Morro Bay average monthly car insurance rates of $234? Take a look and see.

Best Annual Car Insurance Rates by Company in Morro Bay, 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

Morro Bay, CA Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,396
Farmers $3,148
GEICO $2,606
Liberty Mutual $2,401
Nationwide $3,359
Progressive $2,127
State Farm $3,072
Travelers $2,710
USAA $2,454

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Other Factors Affecting Morro Bay, CA Car Insurance Rates

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

Morro Bay, CA Car Theft Rates

The car theft rate in Morro Bay, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Morro Bay, California is 6 stolen cars.

Morro Bay, CA Commute Time

How does your Morro Bay, CA commute time compare with the average driver? In Morro Bay, the average commute is 22.9 minutes.

Morro Bay, CA Car Insurance Quotes

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