Cheapest Car Insurance Quotes In Gilroy, CA For 2025

For budget-friendly minimum coverage in Gilroy, GEICO takes the lead with a monthly cost of $39 on average.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 18 January 2025
Written by Bob Phillips
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Exploring budget-friendly car insurance in Gilroy, CA, shows that prices can vary a lot.

GEICO is the go-to option for budget-friendly liability-only coverage. AAA excels in affordable full coverage, and GEICO again is the best pick for young drivers.

Cheapest Car Insurance Companies In Gilroy, CA

Cheapest Full Coverage Insurance Rates In Gilroy: AAA

In Gilroy, AAA has the best rates for full coverage car insurance, with an average cost of $84 a month.

The following table compares average car insurance quotes from cost-effective insurers in Gilroy.

Provider Average Monthly Cost Average Annual Cost
AAA $84 $1,008
GEICO $108 $1,296
CIG $120 $1,440
National General $122 $1,464
Progressive $95 $1,140

Cheapest Liability-only Car Insurance In Gilroy: GEICO

The most budget-friendly minimum coverage car insurance in Gilroy comes from GEICO, with a monthly cost of $39 on average.

The table below allows you to compare rates from different insurance companies.

Provider Average Monthly Cost Average Annual Cost
GEICO $39 $468
Kemper $48 $576
CIG $52 $624
Progressive $42 $504
Allstate $ 43 $516

Cheapest Rates In Gilroy For Teenagers: State Farm

State Farm provides the cheapest car insurance for teens in Gilroy, with an average monthly cost of $229.

The following table highlights the insurers with the cheapest car insurance rates for teens.

Provider Average Monthly Cost Average Annual Cost
State Farm $229 $2,748
Nationwide $425 $5,100
Allstate $311 $3,732
Mercury $350 $4,200
Farmers $246 $2,952

Cheapest Car Insurance Rates For Seniors: GEICO

GEICO provides the cheapest car insurance for seniors in Gilroy, with rates averaging $41 monthly.

The following table presents average quotes from the cheapest car insurance companies for seniors.

Provider Average Monthly Cost Average Annual Cost
GEICO $41 $492
Progressive $44 $528
State Farm $45 $540
Hartford $54 $648
CIG $51 $612

Cheapest Auto Insurance For Young Adults in Gilroy: GEICO

In Gilroy, young adults can find the best car insurance deals with GEICO, offering average rates of $47 a month.

The following table helps you compare the cheapest auto insurance rates in Gilroy for young adults.

Provider Average Monthly Cost Average Annual Cost
GEICO $47 $564
Progressive $50 $600
AAA $49 $588
State Farm $63 $756
Farmers $66 $792

Cheapest Car Insurance In Gilroy For Good Drivers: GEICO

For good drivers in Gilroy, GEICO provides the lowest car insurance quotes, with an average cost of $39 a month.

Use the table below to find the average car insurance quotes from the cheapest companies for good drivers.

Provider Average Monthly Cost Average Annual Cost
GEICO $39 $468
Kemper $48 $576
CIG $52 $624
Progressive $42 $504
Allstate $43 $516

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Cheapest Car Insurance In Gilroy After A Speeding Ticket: CIG

With an average monthly cost of $58, CIG offers low rates for drivers in Gilroy who have a speeding ticket on their record.

Below is a table that provides average car insurance rates for drivers who have a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
CIG $58 $696
Kemper $63 $756
GEICO $61 $732
Mercury $70 $840
Progressive $74 $888

Cheapest Rates In Gilroy For Drivers After A DUI: National General

National General provides the cheapest car insurance for Gilroy drivers with a DUI, with an average cost of $67 per month.

Below is a table comparing the most affordable rates for drivers in Gilroy with a DUI.

Provider Average Monthly Cost Average Annual Cost
National General $67 $804
Progressive $89 $1,068
Mercury $87 $1044
GEICO $96 $1,152
Farmers $95 $1,140

Cheapest For Drivers With After At-Fault Accident: AAA

In Gilroy, AAA offers the cheapest insurance for drivers with an at-fault accident, with rates averaging $59 a month.

The following companies offer the cheapest car insurance for drivers with an at-fault accident on their record.

Provider Average Monthly Cost Average Annual Cost
AAA $59 $708
GEICO $72 $864
CIG $61 $732
Progressive $81 $972
Farmers $76 $912

Best Car Insurance Companies In Gilroy

For the lowest insurance rates in Gilroy, GEICO is the best choice at $39 a month. Progressive and Allstate are other good options, with average rates of $42 and $43, respectively.

Here are the top 10 car insurance companies in Gilroy, CA, ranked according to their average monthly rates.

Company Monthly Premium
GEICO $39
Kemper $48
CIG $52
Progressive $42
Allstate $43
National General $49
Kemper $52
Hartford $51
Mercury $58
Traveler $54
Chubb $61

Average Rates In Gilroy – By Vehicle

The car you drive plays a major role in your insurance premiums. Insurers take into account the make, model, year, and body type of your vehicle, with newer luxury cars typically resulting in higher rates due to their advanced technology and higher repair costs.

The table below provides the average insurance premiums in Gilroy for a range of vehicles.

Vehicle Average Monthly Rate
Volkswagen Jetta $78
Honda Accord $570
Toyota Camry $79
Honda Civic $44
Nissan Sentra $84

Average Auto Insurance Rates In Gilroy – By Age

Age is a major factor in how car insurance rates are set. Since younger drivers tend to have more accidents and violations, their premiums are usually higher. Teen drivers can expect to pay an average of $1,320 annually for insurance.

Drivers generally see a decrease in their car insurance rates after turning 25, assuming they keep a clean driving record.

Drivers in their 50s and early 60s tend to get the most competitive insurance rates because insurers consider them to be more experienced and lower-risk drivers.

Age Average Yearly Rate
Teenagers $1,320
20s $1,993
30s $1,464
40s $1,488
50s $1,680
60s $1,609
70s $1,500

Average Cost Of Auto Insurance In Gilroy – By Zip Code

Since zip codes are used to assess crime rates in your area, car insurance premiums can vary depending on your specific zip code.

The table below provides the average car insurance premiums for different zip codes in Gilroy.

Zip Code Average Monthly Rate
95020 $137

How Much Is Car Insurance In Other Cities in California ?

The city where you reside can significantly affect your car insurance rates. Urban areas typically have higher risks of accidents, theft, and vandalism, which often results in higher premiums.

To give an example, car insurance in Lynwood averages $209 per month, while in Palo Alto, the typical rate is $156 per month.

City Average Monthly Rate
Jurupa Valley $172
San Diego $167
Danville $161
Culver City $200
Fresno $168
Lynwood $209
Cerritos $190
Palo Alto $156
Bakersfield $172
Lancaster $192

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Our Methodology

Drawing from a thorough review of customer ratings, insurance products, pricing, and online user experiences, I’ve put together a comprehensive picture of car insurance providers in Gilroy, CA.

65

Quotes Analyzed

15+

Years of Industry Experience

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Brands Reviewed

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Research Hours

FAQs

Who has the lowest car insurance rates in Gilroy?

If you’re in Gilroy, GEICO offers the lowest rates for the minimum car insurance required in California, while AAA provides the best deals on full coverage, including collision and comprehensive protection.

What is the average cost of car insurance in Gilroy?

Gilroy drivers pay an average of $160 per month for car insurance, with rates influenced by factors such as zip code, vehicle model, and driving history.

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