Best Gilroy, CA Car Insurance in 2024
Car insurance in Gilroy, CA averages $277 a month. Gilroy, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Gilroy car insurance rates, compare quotes from the top car insurance companies in Gilroy, CA.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Oct 24, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Gilroy for teen drivers is USAA
- Average car insurance rates in Gilroy, CA are $3,318/year
- The cheapest car insurance company in Gilroy is USAA
If you need to buy Gilroy, California car insurance, the options can be confusing. Everything you need to know about car insurance in Gilroy, CA is right here.
You’ll find Gilroy car insurance rates, the cheapest Gilroy, CA car insurance companies, and information on California car insurance laws. You can also compare Sacramento, CA car insurance rates, Fresno car insurance rates, and Oakland car insurance rates to Gilroy, California car insurance rates.
Ready to find affordable Gilroy, CA car insurance today? Enter your ZIP code for fast, free Gilroy car insurance quotes.
Cheapest Gilroy, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Gilroy, CA car insurance rates? Every Gilroy, California car insurance company weighs these factors differently, so check out the comparison rates. Compare car insurance rates by age and gender for more information.
| 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 | $2,520 | $2,521 | $1,846 | $1,865 | $7,031 | $8,844 | $3,236 | $3,557 |
| Farmers | $2,545 | $2,545 | $2,298 | $2,298 | $8,168 | $13,420 | $3,021 | $3,370 |
| Geico | $1,681 | $1,682 | $1,581 | $1,581 | $5,113 | $5,205 | $2,414 | $2,470 |
| Liberty Mutual | $2,034 | $1,926 | $1,895 | $1,836 | $4,441 | $4,727 | $2,292 | $2,311 |
| Nationwide | $2,764 | $2,639 | $2,420 | $2,281 | $7,030 | $7,748 | $3,303 | $3,264 |
| Progressive | $1,702 | $1,753 | $1,433 | $1,708 | $4,515 | $5,451 | $2,437 | $2,622 |
| State Farm | $3,013 | $3,013 | $2,693 | $2,693 | $5,544 | $6,865 | $3,338 | $3,443 |
| Travelers | $2,222 | $2,152 | $1,972 | $1,951 | $4,560 | $5,223 | $2,886 | $2,821 |
| USAA | $1,721 | $1,631 | $1,681 | $1,689 | $3,897 | $3,930 | $2,389 | $2,258 |
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Minimum Car Insurance in Gilroy, CA
How much car insurance do you need? Every driver must carry the minimum car insurance in Gilroy, CA. Take a look at the California car insurance requirements.
| 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 |
Cheapest Gilroy, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare car insurance rates with a bad driving record in Gilroy, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,371 | $3,992 | $6,240 | $3,108 |
| Farmers | $3,478 | $4,739 | $5,907 | $4,708 |
| Geico | $1,900 | $2,929 | $3,678 | $2,357 |
| Liberty Mutual | $2,329 | $3,120 | $2,815 | $2,467 |
| Nationwide | $2,748 | $3,519 | $5,939 | $3,519 |
| Progressive | $1,776 | $3,006 | $3,472 | $2,557 |
| State Farm | $2,729 | $3,255 | $6,149 | $3,168 |
| Travelers | $1,996 | $3,228 | $3,750 | $2,920 |
| USAA | $1,597 | $2,373 | $3,880 | $1,748 |
Cheapest Gilroy, CA Car Insurance for Teen Drivers
Teen car insurance in Gilroy, CA can be expensive. Compare car insurance rates for teen drivers from the top car insurance companies in Gilroy for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,031 | $8,844 |
| Farmers | $8,168 | $13,420 |
| Geico | $5,113 | $5,205 |
| Liberty Mutual | $4,441 | $4,727 |
| Nationwide | $7,030 | $7,748 |
| Progressive | $4,515 | $5,451 |
| State Farm | $5,544 | $6,865 |
| Travelers | $4,560 | $5,223 |
| USAA | $3,897 | $3,930 |
Cheapest Gilroy, CA Car Insurance for Seniors
Take a look at Gilroy, CA senior car insurance rates from top companies. Shopping around for car insurance for seniors can make a big difference for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,846 | $1,865 |
| Farmers | $2,298 | $2,298 |
| Geico | $1,581 | $1,581 |
| Liberty Mutual | $1,895 | $1,836 |
| Nationwide | $2,420 | $2,281 |
| Progressive | $1,433 | $1,708 |
| State Farm | $2,693 | $2,693 |
| Travelers | $1,972 | $1,951 |
| USAA | $1,681 | $1,689 |
Cheapest Gilroy, CA Car Insurance Rates After a DUI
A DUI in Gilroy, CA increases car insurance rates. Compare car insurance rates after a DUI in Gilroy, California by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,240 |
| Farmers | $5,907 |
| Geico | $3,678 |
| Liberty Mutual | $2,815 |
| Nationwide | $5,939 |
| Progressive | $3,472 |
| State Farm | $6,149 |
| Travelers | $3,750 |
| USAA | $3,880 |
Cheapest Gilroy, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Gilroy, CA by commute? Take a look at a comparison of the top companies by commute length. Car insurance by the mile is available in some areas.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,549 | $4,307 |
| Farmers | $4,272 | $5,144 |
| Geico | $2,468 | $2,965 |
| Liberty Mutual | $2,464 | $2,901 |
| Nationwide | $3,473 | $4,389 |
| Progressive | $2,450 | $2,955 |
| State Farm | $3,688 | $3,963 |
| Travelers | $2,678 | $3,268 |
| USAA | $2,213 | $2,586 |
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The Best Cheap Car Insurance Companies in Gilroy, CA
Take a look at a side-by-side comparison of the top car insurance companies in Gilroy, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,928 |
| Farmers | $4,708 |
| Geico | $2,716 |
| Liberty Mutual | $2,683 |
| Nationwide | $3,931 |
| Progressive | $2,703 |
| State Farm | $3,825 |
| Travelers | $2,973 |
| USAA | $2,400 |
Category Winners: Cheapest Car Insurance in Gilroy, California
Find the cheapest car insurance companies in Gilroy, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Cheapest Gilroy, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Gilroy car insurance rates. Find the cheapest Gilroy, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,740 | $3,959 | $4,085 |
| Farmers | $4,401 | $4,744 | $4,980 |
| Geico | $2,488 | $2,745 | $2,916 |
| Liberty Mutual | $2,501 | $2,707 | $2,840 |
| Nationwide | $3,542 | $4,001 | $4,251 |
| Progressive | $2,452 | $2,782 | $2,874 |
| State Farm | $3,477 | $3,886 | $4,113 |
| Travelers | $2,606 | $3,052 | $3,262 |
| USAA | $2,198 | $2,442 | $2,559 |
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What affects car insurance rates in Gilroy, California?
What factors can have an impact on Gilroy, CA car insurance? There are several reasons why Gilroy car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Gilroy, California.
Car Theft in Gilroy
High levels of vehicle theft can make car insurance more expensive. Gilroy, CA car theft statistics from the FBI indicate 381 vehicle thefts a year.
Commute Time in Gilroy
The more time you spend in your car the higher the risk of an accident. The average commute length in Gilroy, CA is 36.4 minutes according to City-Data.
Compare Car Insurance Quotes in Gilroy, CA
Ready to find affordable Gilroy, California car insurance today? Enter your ZIP code for fast, free Gilroy, CA car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Gilroy, CA?
The average monthly car insurance rate in Gilroy, CA is $277.
What are the car insurance requirements in Gilroy, CA?
The car insurance requirements in Gilroy, CA are 15/30/5, but full coverage insurance may be needed for financed cars.
How can I find cheap car insurance rates in Gilroy, CA?
To find cheap car insurance rates in Gilroy, CA, compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Gilroy, CA?
Age, gender, and marital status can impact car insurance rates differently for each insurance company. Compare rates to see the variations.
What is the minimum car insurance coverage required in Gilroy, CA?
Every driver in Gilroy, CA must carry the minimum car insurance coverage required by the state. Check the California car insurance requirements for details.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.