Affordable Car Insurance Rates in San Mateo, CA (2021)
Car insurance rates in San Mateo, CA are $296/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 San Mateo 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.
- Average car insurance rates in San Mateo, CA for senior drivers are $2,124/year
- The annual number of car thefts in San Mateo is 213.
- The cheapest car insurance company in San Mateo for teen drivers is USAA
Average car insurance rates in San Mateo, California are $296 a month. But with a little research you can get a great deal from the top car insurance companies in San Mateo, CA. Before you buy San Mateo, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.
It may even be helpful to compare San Mateo car insurance rates with Sacramento car insurance rates, Anaheim car insurance rates, or Fresno car insurance rates to make sure you’re getting the best San Mateo, CA car insurance quotes available.
Need affordable San Mateo, CA car insurance? Enter your ZIP code to compare San Mateo car insurance quotes from multiple car insurance companies near you.
Table of Contents
San Mateo, CA Minimum Car Insurance Coverage
San Mateo, 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
San Mateo, CA Car Insurance Rates by Coverage Level
Some San Mateo drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your San Mateo, California car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,014 | $4,243 | $4,371 |
| Farmers | $4,476 | $4,817 | $5,047 |
| GEICO | $2,397 | $2,653 | $2,821 |
| Liberty Mutual | $2,770 | $2,980 | $3,110 |
| Nationwide | $4,340 | $4,885 | $5,160 |
| Progressive | $2,511 | $2,888 | $2,996 |
| State Farm | $3,594 | $4,050 | $4,298 |
| Travelers | $2,758 | $3,260 | $3,483 |
| USAA | $2,472 | $2,747 | $2,877 |
San Mateo, CA Car Insurance Rates by Age, Gender, and Marital Status
San Mateo, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy San Mateo, CA car insurance, get quotes from multiple car insurance companies in the San Mateo 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 | $2,690 | $2,696 | $1,977 | $1,993 | $7,555 | $9,525 | $3,448 | $3,793 |
| Farmers | $2,574 | $2,574 | $2,325 | $2,325 | $8,303 | $13,663 | $3,061 | $3,416 |
| GEICO | $1,624 | $1,625 | $1,528 | $1,528 | $4,941 | $5,024 | $2,333 | $2,384 |
| Liberty Mutual | $2,223 | $2,110 | $2,071 | $2,008 | $4,945 | $5,235 | $2,514 | $2,522 |
| Nationwide | $3,349 | $3,193 | $2,926 | $2,755 | $8,635 | $9,500 | $4,026 | $3,976 |
| Progressive | $1,756 | $1,807 | $1,489 | $1,768 | $4,693 | $5,647 | $2,520 | $2,707 |
| State Farm | $3,129 | $3,129 | $2,797 | $2,797 | $5,783 | $7,167 | $3,467 | $3,576 |
| Travelers | $2,359 | $2,281 | $2,090 | $2,069 | $4,901 | $5,582 | $3,060 | $2,996 |
| USAA | $1,933 | $1,830 | $1,885 | $1,894 | $4,389 | $4,433 | $2,687 | $2,539 |
San Mateo, CA Car Insurance Rates for Teens
How much is San Mateo, California car insurance for teens? Compare rates from top San Mateo car insurance companies below to help find the cheapest teen car insurance in San Mateo, CA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,555 | $9,525 |
| Farmers | $8,303 | $13,663 |
| GEICO | $4,941 | $5,024 |
| Liberty Mutual | $4,945 | $5,235 |
| Nationwide | $8,635 | $9,500 |
| Progressive | $4,693 | $5,647 |
| State Farm | $5,783 | $7,167 |
| Travelers | $4,901 | $5,582 |
| USAA | $4,389 | $4,433 |
San Mateo, CA Car Insurance Rates for Seniors
Before seniors buy San Mateo, California car insurance, they should make sure to shop around. Some San Mateo, 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 | $1,977 | $1,993 |
| Farmers | $2,325 | $2,325 |
| GEICO | $1,528 | $1,528 |
| Liberty Mutual | $2,071 | $2,008 |
| Nationwide | $2,926 | $2,755 |
| Progressive | $1,489 | $1,768 |
| State Farm | $2,797 | $2,797 |
| Travelers | $2,090 | $2,069 |
| USAA | $1,885 | $1,894 |
San Mateo, CA Car Insurance Rates by Driver History
How does a single speeding ticket affect your San Mateo, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in San Mateo.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,543 | $4,270 | $6,688 | $3,337 |
| Farmers | $3,531 | $4,811 | $5,998 | $4,781 |
| GEICO | $1,835 | $2,831 | $3,552 | $2,276 |
| Liberty Mutual | $2,565 | $3,436 | $3,097 | $2,716 |
| Nationwide | $3,347 | $4,288 | $7,256 | $4,288 |
| Progressive | $1,836 | $3,117 | $3,594 | $2,646 |
| State Farm | $2,842 | $3,388 | $6,395 | $3,297 |
| Travelers | $2,120 | $3,437 | $3,997 | $3,114 |
| USAA | $1,793 | $2,672 | $4,366 | $1,964 |
San Mateo, CA Car Insurance Rates With a DUI
Even a single DUI can increase your San Mateo, CA car insurance rates. Compare rates below to see which San Mateo car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,688 |
| Farmers | $5,998 |
| GEICO | $3,552 |
| Liberty Mutual | $3,097 |
| Nationwide | $7,256 |
| Progressive | $3,594 |
| State Farm | $6,395 |
| Travelers | $3,997 |
| USAA | $4,366 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
San Mateo, CA Car Insurance Rates by ZIP Code
Just like San Mateo car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how San Mateo, CA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 94401 | $5,015 |
| 94402 | $4,707 |
| 94403 | $4,726 |
San Mateo, CA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your San Mateo, CA car insurance rates may be. Let’s take a look at average car insurance rates from top San Mateo companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,801 | $4,618 |
| Farmers | $4,337 | $5,223 |
| GEICO | $2,383 | $2,864 |
| Liberty Mutual | $2,714 | $3,192 |
| Nationwide | $4,232 | $5,358 |
| Progressive | $2,535 | $3,062 |
| State Farm | $3,837 | $4,124 |
| Travelers | $2,850 | $3,484 |
| USAA | $2,490 | $2,908 |
San Mateo, CA Cheapest Car Insurance Rates
How do the top San Mateo, California car insurance companies’ average rates stack up against the San Mateo average monthly car insurance rates of $296? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | GEICO |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
San Mateo, CA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top San Mateo, California car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,210 |
| Farmers | $4,780 |
| GEICO | $2,623 |
| Liberty Mutual | $2,953 |
| Nationwide | $4,795 |
| Progressive | $2,798 |
| State Farm | $3,981 |
| Travelers | $3,167 |
| USAA | $2,699 |
Other Factors Affecting San Mateo, CA Car Insurance Rates
Before you buy San Mateo, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
San Mateo, CA Car Theft Rates
The car theft rate in San Mateo, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for San Mateo, California is 213 stolen cars.
San Mateo, CA Commute Time
How does your San Mateo, CA commute time compare with the average driver? In San Mateo, the average commute is 29.1 minutes.
San Mateo, CA Car Insurance Quotes
Compare San Mateo, CA car insurance quotes from multiple companies by entering your ZIP code now.