Cheapest Car Insurance Quotes In Pleasanton, CA For 2024

In Pleasanton, GEICO is known for offering the most affordable option, with an average monthly rate of $37.

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Updated: 03 May 2024
Written by Bob Phillips
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When searching for the most budget-friendly car insurance in Pleasanton, California, there are several options to consider. However, GEICO stands out for its competitive pricing. On average, residents can expect to pay around $37 per month for car insurance from GEICO, which is notably lower than the state’s average of $167.

For those interested in obtaining the most affordable liability-only coverage, GEICO is the top choice. On the other hand, Progressive provides the best rates for full coverage policies, priced at $92 per month. Additionally, State Farm offers the lowest rates for young drivers, with premiums starting at $238 per month.

Cheapest Car Insurance Companies In Pleasanton, CA

Cheapest Car Insurance, Pleasanton, CA

Our Methodology

Based on a thorough analysis that considers multiple factors including customer service ratings, product offerings, pricing, and extensive reviews from online sources and user feedback, I have developed a comprehensive understanding of the car insurance provider landscape in Pleasanton, CA. This perspective is shaped by over 15 years of active involvement in the insurance industry as a licensed agent. Throughout this period, I have engaged in numerous interactions with representatives from different companies and have gained valuable insights from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Pleasanton, CA?

GEICO provides the most affordable car insurance option in Pleasanton, CA, with coverage available for as low as $124 per month.

Comparatively, the table below illustrates that GEICO’s rates are significantly lower than the average rates in both California and the entire United States:

Area Average Monthly Rate
National $152
California $167
Pleasanton, CA $124

It’s important to note that the average national cost takes into account a wide range of states, some with high costs like New York, New Jersey, and California, and others with lower costs like Mississippi, Kentucky, and Wyoming. Rates for car insurance can vary significantly depending on several factors such as vehicle type, coverage amount, zip code, driving history, and more. Therefore, the quoted rates may differ based on individual circumstances and location-specific factors.

Cheapest Car Insurance Rates In Pleasanton For Seniors

State Farm offers car insurance at an average rate of $87 per month in Pleasanton, making it the most affordable option for seniors in the area.

Provider Average Monthly Cost Average Annual Cost
State Farm $87 $1,040
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Allstate $104 $1,249

In California, seniors may often benefit from advantageous car insurance rates due to various favorable factors. While age is commonly considered in determining insurance rates, the assumption that older age necessarily correlates with diminished driving ability doesn’t always apply universally.

Cheapest Car Insurance Rates In Pleasanton For Full Coverage

Progressive offers the most affordable car insurance rates for full coverage in Pleasanton, with an average monthly quote of $92.

Provider Average Monthly Cost Average Annual Cost
Progressive $92 $1,286
GEICO $95 $1,141
Mercury $103 $1,238
Allstate $110 $1,314
State Farm $111 $1,326

Full coverage car insurance offers comprehensive protection beyond the basic coverage required by law. It typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Pleasanton For Teenagers

Teenage drivers in Pleasanton can secure the most affordable quotes from Farmers, with average monthly premiums of $248.

Provider Average Monthly Cost Average Annual Cost
State Farm $251 $3,010
GEICO $274 $3,284
Farmers $248 $2,974
Travelers $354 $4,244
Allstate $280 $3,358

Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers classify these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Pleasanton For Minimum Coverage

In Pleasanton, GEICO offers the most affordable car insurance for minimum coverage, with an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
GEICO $37 $439
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

The minimum car insurance requirement in California is typically expressed as 15/30/5, which means your policy should include at least the following coverage limits:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage per accident

Maintaining minimum car insurance offers some protection while driving, but it doesn’t include collision or comprehensive coverage. This means damages to your vehicle in accidents, theft, or natural disasters won’t be covered.

Driving without insurance is illegal in California. Failing to provide proof of insurance during a traffic stop can lead to penalties such as fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Pleasanton For Young Adults

State Farm provides the most affordable quotes for young adults in Pleasanton, with rates averaging around $238 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $238 $2,876
GEICO $242 $2,917
Kemper $257 $3,020
Allstate $264 $3,119
Travelers $278 $3,214

In California, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risky behaviors as drivers mature.

Statistically, young adults are less prone to filing claims with insurance companies, reflecting a reduced involvement in accidents. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Pleasanton For Good Drivers

Drivers with good records in Pleasanton can obtain the most affordable car insurance quotes from GEICO, typically averaging around $37 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $37 $439
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

Drivers with clean driving records in Pleasanton typically receive lower car insurance rates because they are seen as lower risk. Insurance companies use driving records to assess how safely someone drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.

Insurers determine rates based on the probability of a driver making a claim. A flawless driving record can result in substantial savings on premiums. It boils down to risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.

Cheapest Car Insurance Rates In Pleasanton For Drivers With Prior Incidents

In Pleasanton, drivers with histories of traffic violations, such as accidents, speeding tickets, or DUIs, frequently encounter challenges in securing affordable car insurance. These driving infractions cause insurance companies to categorize them as high-risk drivers, implying a higher likelihood of filing future insurance claims.

As a result, insurance providers raise their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Pleasanton For Drivers With A Speeding Ticket

State Farm offers comparatively low rates compared to other companies, with average monthly premiums around $176.

Provider Average Monthly Cost Average Annual Cost
State Farm $176 $2,099
Travelers $241 $2,842
Geico $320 $3,894
Allstate $329 $4,012
Progressive $368 $4,477

Cheapest Car Insurance Rates In Pleasanton For Drivers With An At-Fault Accident

For drivers with an at-fault incident on their record, State Farm provides the most affordable car insurance quotes, with an average rate of $193 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $193 $2,375
Travelers $259 $3,218
Geico $265 $3,242
Progressive $400 $4,897
Allstate $555 $6,717

Cheapest Car Insurance Rates In Pleasanton For Drivers After A DUI

State Farm stands out as the company offering the most budget-friendly rates for drivers with a DUI record in Pleasanton, with average monthly premiums of $188.

Provider Average Monthly Cost Average Annual Cost
State Farm $188 $2,319
Travelers $269 $3,286
Progressive $319 $3,623
Geico $337 $4,042
Allstate $407 $5,059

Best Car Insurance Companies In Pleasanton

For drivers in Pleasanton, selecting the appropriate car insurance company involves not only finding affordable rates but also ensuring reliable protection while on the road. Below are the top 10 car insurance companies in Pleasanton, CA, ranked by the average monthly rate they offer.

Company Monthly Premium
Mercury $83
Kemper $90
Kemper Auto $93
Direct Auto $65
USAA $147
Unitrin $160
Esurance $138
Mercury $158
Allied $165
Dairyland Auto $173

Average Car Insurance Rates By Age In Pleasanton

Age Average Yearly Rate
Teenagers $2,544
20s $1,990
30s $1,678
40s $1,438
50s $1,438
60s $1,462
70s $1,424

Age significantly influences car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums due to their inexperience and higher statistical probability of accidents and traffic violations. As drivers approach the age of 25, their rates typically begin to decline, assuming they maintain a clean driving record.

The most advantageous insurance rates are often available to drivers in their 50s and early 60s. Insurance companies consider age as a measure of driving experience and risk, adjusting premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Pleasanton

Vehicle Average Monthly Rate
Mercedes-Benz GLC $200
GMC Yukon $68
BMW X3 $104
Tesla Model Y $84
Hyundai Accent $78

The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may have lower premiums. Insurers take these aspects into account because they directly impact the potential cost of claims – for example, repairs for a high-end car are generally more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In California?

City Average Monthly Rate
Jurupa Valley $140
San Diego $126
Anderson $123
Culver City $160
Fresno $132
Redlands $143
Lynwood $160
Norwalk $147
Bakersfield $132
Lancaster $181

The city where you live has a notable impact on your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk frequently results in higher premiums.

FAQs

Who has the lowest car insurance rates in Pleasanton?

In Pleasanton, the lowest car insurance rates are provided by GEICO for the minimum coverage required by the State of California and Progressive for full coverage, which encompasses comprehensive and collision coverage.

What is the average cost of car insurance in Pleasanton?

The average cost of car insurance in Pleasanton is approximately $124 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.

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