Affordable Car Insurance Rates in Morro Bay, CA (2021)
Car insurance rates in Morro Bay, CA are $234/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Morro Bay car insurance companies to get the coverage you need at the best rates available.
Free Car Insurance Comparison
Secured with SHA-256 Encryption
|
Written by
Leslie Kasperowicz
|
|
Reviewed by
Melanie Musson
|
UPDATED: Apr 14, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
- 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.
Table of Contents
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.
| 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.
| 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.
| 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.
| 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.