Cheapest Car Insurance In Palo Alto, CA 2024
GEICO offers the lowest rates for minimum coverage car insurance in Palo Alto, with an average monthly cost of $37.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Palo Alto, CA, can reveal a wide range of options.
GEICO stands out as the top choice for affordable liability-only insurance, while Progressive offers the best full coverage rates. For young drivers, AAA has the most budget-friendly option.
Cheapest Car Insurance Companies In Palo Alto, CA
Cheapest Liability-only Car Insurance In Palo Alto: GEICO
In Palo Alto, GEICO offers the lowest rates for minimum coverage car insurance, averaging $37 per month.
Refer to the table below to see a comparison of rates across various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $440 |
| Progressive | $41 | $491 |
| Kemper | $48 | $570 |
| State Farm | $55 | $654 |
| CIG | $52 | $620 |
Cheapest Full Coverage Insurance Rates In Palo Alto: Progressive
Progressive offers the lowest rates for full coverage car insurance in Palo Alto, averaging $95 per month.
The table below shows a comparison of average car insurance quotes from budget-friendly providers in Palo Alto.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $95 | $1,135 |
| GEICO | $107 | $1,280 |
| State Farm | $138 | $1,652 |
| Allstate | $153 | $1,830 |
| Mercury | $129 | $1,542 |
Cheapest Car Insurance Rates For Seniors: Progressive
Progressive offers seniors in Palo Alto the cheapest car insurance, with an average rate of $94 per month.
The table below displays average quotes from the most affordable auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $94 | $1,129 |
| Nationwide | $136 | $1,635 |
| State Farm | $108 | $1,296 |
| GEICO | $101 | $1,212 |
| Allstate | $147 | $1,760 |
Cheapest Rates In Palo Alto For Teenagers: State Farm
State Farm offers the lowest quotes for teenage drivers in Palo Alto, with average monthly premiums of $246.
The table below lists companies offering the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $246 | $2,953 |
| GEICO | $249 | $2,983 |
| Allstate | $287 | $3,440 |
| Progressive | $303 | $3,633 |
| Nationwide | $437 | $5,240 |
Cheapest Auto Insurance For Young Adults in Palo Alto: AAA
For young adults in Palo Alto, AAA has the lowest quotes, with average rates of $108 a month.
Use the table below to compare the lowest auto insurance rates in Palo Alto for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $108 | $1,290 |
| GEICO | $122 | $1,462 |
| State Farm | $162 | $1,945 |
| Allstate | $168 | $2,013 |
| Nationwide | $192 | $2,305 |
Cheapest Car Insurance In Palo Alto For Good Drivers: GEICO
In Palo Alto, good drivers can get the lowest car insurance rates from GEICO, with quotes averaging $37 per month.
If you have a clean driving record, refer to the table below to see average quotes from the most budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $440 |
| Progressive | $41 | $491 |
| Kemper | $48 | $570 |
| State Farm | $55 | $654 |
| CIG | $52 | $620 |
Find affordable Palo Alto rates
Cheapest Car Insurance In Palo Alto After A Speeding Ticket: AAA
Compared to other insurers in Palo Alto, AAA is very affordable, offering average rates of $106 per month for drivers with a speeding ticket.
The table below shows average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $106 | $1,276 |
| Progressive | $178 | $2,133 |
| GEICO | $159 | $1,902 |
| Allstate | $222 | $2,660 |
| State Farm | $205 | $2,463 |
Cheapest For Drivers With After At-Fault Accident: AAA
For drivers with an at-fault incident, AAA offers the lowest car insurance quotes, with an average rate of $124 per month.
These are the car insurance providers offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $124 | $1,490 |
| Travelers | $288 | $3,450 |
| State Farm | $214 | $2,567 |
| Progressive | $194 | $2,328 |
| Allstate | $273 | $3,270 |
Cheapest Rates In Palo Alto For Drivers After A DUI: AAA
AAA offers the lowest rates for drivers with a DUI in Palo Alto, with average monthly premiums of $138.
The table below shows the cheapest rates for drivers in Palo Alto who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $138 | $1,652 |
| GEICO | $252 | $3,024 |
| Progressive | $221 | $2,654 |
| State Farm | $422 | $5,063 |
| Allstate | $483 | $5,799 |
Best Car Insurance Companies In Palo Alto
GEICO offers the most affordable car insurance in Palo Alto at $37 a month, but you may also want to check out Progressive at $41 or State Farm at $55 per month.
Below are the top 10 car insurance providers in Palo Alto, CA, listed by their average monthly premiums.
| Company | Monthly Premium |
| GEICO | $37 |
| Progressive | $41 |
| Kemper | $48 |
| State Farm | $55 |
| CIG | $52 |
| AAA | $40 |
| Nationwide | $62 |
| Chubb | $71 |
| Allstate | $92 |
| Farmers | $59 |
Average Auto Insurance Rates In Palo Alto – By Age
Age plays a significant role in determining car insurance rates. Younger drivers generally face higher premiums because they have less driving experience and are more likely to be involved in accidents or traffic violations. Teen drivers can expect to pay about $3,442 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to drop, provided they keep a clean driving record.
Drivers in their 50s and early 60s typically receive the best insurance rates, as companies use age to gauge experience and risk, impacting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,442 |
| 20s | $2,073 |
| 30s | $1,546 |
| 40s | $1,481 |
| 50s | $1,745 |
| 60s | $1,413 |
| 70s | $1,764 |
Average Rates In Palo Alto – By Vehicle
The kind of car you drive significantly affects your insurance premiums. Insurers consider factors like the make, model, year, and body type of the vehicle. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, have higher insurance rates.
The table below shows the average rates for various vehicles in Palo Alto.
| Vehicle | Average Monthly Rate |
| Subaru Outback | $92 |
| Toyota Sienna | $122 |
| Toyota Prius | $144 |
| Volkswagen Jetta | $124 |
| Toyota Rav4 | $90 |
How Much Is Car Insurance In Other Cities In California?
Your location has a significant impact on your car insurance rates. Insurers consider factors such as accident likelihood, theft, and vandalism rates, which tend to be higher in cities, leading to increased premiums.
For instance, car insurance in Lancaster averages around $184 per month, whereas in San Diego, the average rate is $126 per month.
| City | Average Monthly Rate |
| Jurupa Valley | $140 |
| San Diego | $126 |
| Pleasanton | $124 |
| Culver City | $168 |
| Fresno | $132 |
| Redlands | $146 |
| Lynwood | $160 |
| Norwalk | $147 |
| Bakersfield | $132 |
| Lancaster | $184 |
Average Cost Of Auto Insurance In Palo Alto- By Zip Code
Insurers use zip codes to assess local crime rates, which means car insurance rates vary by zip code.
The table below shows the average insurance rates for various zip codes in Palo Alto.
| Zip Code | Average Monthly Rate |
| 94303 | $161 |
| 94305 | $127 |
| 94043 | $139 |
| 94301 | $138 |
| 94304 | $122 |
Find affordable Palo Alto rates
Our Methodology
After thoroughly analyzing factors like customer service ratings, coverage options, pricing, and insights from online reviews, I’ve created a detailed overview of car insurance providers in Palo Alto, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Palo Alto?
GEICO provides the lowest car insurance rates in Palo Alto for minimum coverage, while Progressive offers the best rates for full coverage, including comprehensive and collision.
What is the average cost of car insurance in Palo Alto?
On average, car insurance in Palo Alto costs around $150 per month, but rates can differ based on factors like your zip code, car model, and driving history.
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