Cheapest Car Insurance Quotes In Gilroy, CA For 2024
For budget-friendly minimum coverage in Gilroy, GEICO takes the lead with a monthly cost of $37 on average.
We’ve saved shoppers an average of $600 per year on their car insurance.
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. Progressive excels in affordable full coverage, and State Farm is the best pick for young drivers.
Cheapest Car Insurance Companies In Gilroy, CA
Cheapest Liability-only Car Insurance In Gilroy: Cincinnati
The most budget-friendly minimum coverage car insurance in Gilroy comes from GEICO, with a monthly cost of $37 on average.
The table below allows you to compare rates from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Gilroy: Auto-Owners
In Gilroy, Progressive has the best rates for full coverage car insurance, with an average cost of $92 a month.
The following table compares average car insurance quotes from cost-effective insurers in Gilroy.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
State Farm provides the cheapest car insurance for seniors in Gilroy, with rates averaging $87 monthly.
The following table presents average quotes from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Gilroy For Teenagers: Nationwide
State Farm provides the cheapest car insurance for teens in Gilroy, with an average monthly cost of $313.
The following table highlights the insurers with the cheapest car insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Gilroy: Travelers
In Gilroy, young adults can find the best car insurance deals with State Farm, offering average rates of $238 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 |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Gilroy For Good Drivers: Cincinnati
For good drivers in Gilroy, GEICO provides the lowest car insurance quotes, with an average cost of $37 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 |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Gilroy rates
Cheapest Car Insurance In Gilroy After A Speeding Ticket: Auto-Owners
With an average monthly cost of $176, State Farm 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 |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
In Gilroy, State Farm offers the cheapest insurance for drivers with an at-fault accident, with rates averaging $193 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 |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Gilroy For Drivers After A DUI: State Farm
State Farm provides the cheapest car insurance for Gilroy drivers with a DUI, with an average cost of $188 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 |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Gilroy
For the lowest insurance rates in Gilroy, AAA is the best choice at $83 a month. Progressive and GEICO are other good options, with average rates of $90 and $93, respectively.
Here are the top 10 car insurance companies in Gilroy, CA, ranked according to their average monthly rates.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
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 $7,599 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 | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
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 |
| Toyota Camry | $79 |
| Honda Accord | $65 |
| BMW 328 | $125 |
| Chevrolet Traverse | $133 |
| Nissan Rogue | $181 |
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 |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
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 Los Angeles averages $243 per month, while in San Diego, the typical rate is $176 per month.
| City | Average Monthly Rate |
| Jurupa Valley | $140 |
| San Diego | $126 |
| Hawthorne | $160 |
| Culver City | $160 |
| Fresno | $132 |
| Lynwood | $160 |
| Cerritos | $147 |
| Palo Alto | $132 |
| Bakersfield | $132 |
| Lancaster | $181 |
Find affordable Gilroy rates
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.
Quotes Analyzed
Years of Industry Experience
Brands Reviewed
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 Progressive 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 $180 per month for car insurance, with rates influenced by factors such as zip code, vehicle model, and driving history.
Related Content
Car Insurance For 35 Years Old Car Insurance For 18 Year Old Does Insurance Cover Stolen Car If Keys Left?
Auto Insurance In Your Area
Car Insurance In Arizona Car Insurance San Francisco Car Insurance In Birmingham Al
