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 annual number of car thefts in Needles is 29.
  • The cheapest car insurance company in Needles after a DUI is Liberty Mutual
  • Average car insurance rates in Needles, CA are $282/month

Average car insurance rates in Needles, California are $282 a month. But with a little research you can get a great deal from the top car insurance companies in Needles, CA. Before you buy Needles, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

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

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

Needles, CA Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Needles, California

Insurance Company Low Medium High
Allstate $3,795 $3,994 $4,111
Farmers $4,515 $4,869 $5,119
GEICO $2,342 $2,603 $2,784
Liberty Mutual $2,781 $2,999 $3,146
Nationwide $3,273 $3,728 $4,001
Progressive $2,320 $2,745 $2,915
State Farm $3,832 $4,388 $4,691
Travelers $2,691 $3,138 $3,357
USAA $2,149 $2,429 $2,565

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Needles, 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 $2,586 $2,615 $1,855 $1,909 $6,852 $8,664 $3,402 $3,848
Farmers $2,628 $2,628 $2,364 $2,364 $8,370 $13,748 $3,112 $3,464
GEICO $1,596 $1,597 $1,501 $1,501 $4,842 $4,936 $2,291 $2,349
Liberty Mutual $2,252 $2,133 $2,096 $2,030 $4,943 $5,247 $2,542 $2,562
Nationwide $2,599 $2,484 $2,284 $2,156 $6,502 $7,197 $3,077 $3,040
Progressive $1,647 $1,693 $1,435 $1,688 $4,463 $5,357 $2,409 $2,589
State Farm $3,383 $3,383 $3,022 $3,022 $6,247 $7,773 $3,743 $3,856
Travelers $2,290 $2,220 $2,028 $2,006 $4,683 $5,380 $2,979 $2,911
USAA $1,710 $1,620 $1,672 $1,677 $3,890 $3,897 $2,356 $2,226

Needles, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Needles, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,852 $8,664
Farmers $8,370 $13,748
GEICO $4,842 $4,936
Liberty Mutual $4,943 $5,247
Nationwide $6,502 $7,197
Progressive $4,463 $5,357
State Farm $6,247 $7,773
Travelers $4,683 $5,380
USAA $3,890 $3,897

Needles, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Needles, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,855 $1,909
Farmers $2,364 $2,364
GEICO $1,501 $1,501
Liberty Mutual $2,096 $2,030
Nationwide $2,284 $2,156
Progressive $1,435 $1,688
State Farm $3,022 $3,022
Travelers $2,028 $2,006
USAA $1,672 $1,677

Needles, CA Car Insurance Rates by Driver History

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

Annual Needles, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,368 $4,057 $6,319 $3,121
Farmers $3,572 $4,866 $6,067 $4,834
GEICO $1,804 $2,776 $3,490 $2,237
Liberty Mutual $2,583 $3,460 $3,122 $2,737
Nationwide $2,563 $3,284 $5,538 $3,284
Progressive $1,729 $2,961 $3,460 $2,490
State Farm $3,072 $3,663 $6,914 $3,565
Travelers $2,052 $3,327 $3,866 $3,004
USAA $1,584 $2,351 $3,853 $1,735

Needles, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Needles, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,319
Farmers $6,067
GEICO $3,490
Liberty Mutual $3,122
Nationwide $5,538
Progressive $3,460
State Farm $6,914
Travelers $3,866
USAA $3,853

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Needles, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Needles, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,580 $4,353
Farmers $4,387 $5,282
GEICO $2,341 $2,812
Liberty Mutual $2,731 $3,220
Nationwide $3,243 $4,091
Progressive $2,420 $2,900
State Farm $4,145 $4,462
Travelers $2,758 $3,367
USAA $2,193 $2,569

Needles, CA Cheapest Car Insurance Rates

How do the top Needles, California car insurance companies’ average rates stack up against the Needles average monthly car insurance rates of $282? Take a look and see.

Best Annual Car Insurance Rates by Company in Needles, 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

Needles, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Needles, California

Insurance Company Average Annual Rates
Allstate $3,966
Farmers $4,835
GEICO $2,577
Liberty Mutual $2,975
Nationwide $3,667
Progressive $2,660
State Farm $4,304
Travelers $3,062
USAA $2,381

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Other Factors Affecting Needles, CA Car Insurance Rates

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

Needles, CA Car Theft Rates

The car theft rate in Needles, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Needles, California is 29 stolen cars.

Needles, CA Commute Time

How does your Needles, CA commute time compare with the average driver? In Needles, the average commute is 15.3 minutes.

Needles, CA Car Insurance Quotes

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