Milpitas, CA Auto Insurance (2024)
The average Milpitas, CA auto insurance rates are $287 per month. The minimum auto insurance in Milpitas is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Milpitas, California, compare quotes from multiple companies.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Milpitas is 28.4 minutes
- The most expensive auto insurance company in Milpitas for teen drivers is Farmers
- The cheapest auto insurance company in Milpitas is Progressive
Milpitas, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Milpitas can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Milpitas, California, including driving record, credit, commute time, and more.
Compare auto insurance in Milpitas to other California cities, including Fresno auto insurance rates, Long Beach auto insurance rates, and Sacramento auto insurance rates to see how Milpitas, California auto insurance rates stack up.
Before you buy Milpitas, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Milpitas, California auto insurance quotes.
Minimum Auto Insurance in Milpitas, California
Milpitas, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Milpitas, California.
| 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 |
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Cheap Milpitas, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Milpitas, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,721 | $2,720 | $1,997 | $2,011 | $7,657 | $9,634 | $3,476 | $3,808 |
| Farmers | $2,720 | $2,720 | $2,456 | $2,456 | $8,676 | $14,223 | $3,224 | $3,593 |
| Geico | $1,563 | $1,564 | $1,470 | $1,470 | $4,767 | $4,842 | $2,246 | $2,292 |
| Liberty Mutual | $2,191 | $2,071 | $2,044 | $1,980 | $4,806 | $5,121 | $2,466 | $2,487 |
| Nationwide | $3,147 | $3,001 | $2,750 | $2,590 | $8,097 | $8,908 | $3,779 | $3,732 |
| Progressive | $1,478 | $1,522 | $1,245 | $1,481 | $3,891 | $4,700 | $2,109 | $2,268 |
| State Farm | $2,938 | $2,938 | $2,626 | $2,626 | $5,401 | $6,687 | $3,254 | $3,358 |
| Travelers | $2,348 | $2,271 | $2,084 | $2,061 | $4,876 | $5,572 | $3,055 | $2,986 |
| USAA | $1,869 | $1,771 | $1,822 | $1,830 | $4,269 | $4,315 | $2,603 | $2,460 |
Cheap Milpitas, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Milpitas, California is a challenge. Take a look at the annual teen auto insurance rates in Milpitas, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,657 | $9,634 |
| Farmers | $8,676 | $14,223 |
| Geico | $4,767 | $4,842 |
| Liberty Mutual | $4,806 | $5,121 |
| Nationwide | $8,097 | $8,908 |
| Progressive | $3,891 | $4,700 |
| State Farm | $5,401 | $6,687 |
| Travelers | $4,876 | $5,572 |
| USAA | $4,269 | $4,315 |
Cheap Milpitas, California Auto Insurance for Seniors
What are senior auto insurance rates in Milpitas, California? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,997 | $2,011 |
| Farmers | $2,456 | $2,456 |
| Geico | $1,470 | $1,470 |
| Liberty Mutual | $2,044 | $1,980 |
| Nationwide | $2,750 | $2,590 |
| Progressive | $1,245 | $1,481 |
| State Farm | $2,626 | $2,626 |
| Travelers | $2,084 | $2,061 |
| USAA | $1,822 | $1,830 |
Cheap Milpitas, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Milpitas, California compared to the annual auto insurance rates with a clean record in Milpitas, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,569 | $4,313 | $6,761 | $3,369 |
| Farmers | $3,701 | $5,042 | $6,284 | $5,008 |
| Geico | $1,766 | $2,731 | $3,420 | $2,191 |
| Liberty Mutual | $2,514 | $3,367 | $3,038 | $2,664 |
| Nationwide | $3,143 | $4,026 | $6,807 | $4,026 |
| Progressive | $1,539 | $2,597 | $2,999 | $2,212 |
| State Farm | $2,660 | $3,173 | $5,994 | $3,087 |
| Travelers | $2,112 | $3,426 | $3,986 | $3,102 |
| USAA | $1,739 | $2,594 | $4,232 | $1,905 |
Cheap Milpitas, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Milpitas, California is not easy. Compare the annual rates for DUI auto insurance in Milpitas, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,761 |
| Farmers | $6,284 |
| Geico | $3,420 |
| Liberty Mutual | $3,038 |
| Nationwide | $6,807 |
| Progressive | $2,999 |
| State Farm | $5,994 |
| Travelers | $3,986 |
| USAA | $4,232 |
Cheap Milpitas, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Milpitas, California can vary. Compare the annual cost of auto insurance by ZIP code in Milpitas, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 95035 | $4,723 |
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Cheap Milpitas, California Auto Insurance Rates By Commute
Commute length and annual mileage affect Milpitas, California auto insurance. Find the cheapest annual Milpitas, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,839 | $4,667 |
| Farmers | $4,545 | $5,473 |
| Geico | $2,295 | $2,758 |
| Liberty Mutual | $2,661 | $3,131 |
| Nationwide | $3,972 | $5,029 |
| Progressive | $2,120 | $2,554 |
| State Farm | $3,594 | $3,862 |
| Travelers | $2,840 | $3,473 |
| USAA | $2,415 | $2,820 |
Cheap Milpitas, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Milpitas, California? Check out the comparison of annual Milpitas, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,040 | $4,289 | $4,430 |
| Farmers | $4,669 | $5,045 | $5,312 |
| Geico | $2,310 | $2,556 | $2,715 |
| Liberty Mutual | $2,699 | $2,923 | $3,066 |
| Nationwide | $4,072 | $4,584 | $4,846 |
| Progressive | $2,127 | $2,403 | $2,479 |
| State Farm | $3,393 | $3,786 | $4,006 |
| Travelers | $2,760 | $3,246 | $3,464 |
| USAA | $2,401 | $2,663 | $2,788 |
Best By Category: Cheapest Auto Insurance in Milpitas, California
Compare the cheapest auto insurance companies in Milpitas, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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The Cheapest Milpitas, California Auto Insurance Companies
What auto insurance companies in Milpitas, California are the cheapest? Compare the top Milpitas, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,253 |
| Farmers | $5,009 |
| Geico | $2,527 |
| Liberty Mutual | $2,896 |
| Nationwide | $4,501 |
| Progressive | $2,337 |
| State Farm | $3,728 |
| Travelers | $3,157 |
| USAA | $2,617 |
What affects auto insurance rates in Milpitas, California?
There are a lot of reasons why auto insurance rates in Milpitas, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Milpitas, California. Many local factors may affect your Milpitas auto insurance rates.
Milpitas Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Milpitas, California auto theft statistics, there have been 256 auto thefts in the city.
Milpitas Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Milpitas, California commute length is 28.4 minutes according to City-Data.
Compare Milpitas, California Auto Insurance Quotes
Before you buy Milpitas, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Milpitas, California auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Milpitas, CA?
Yes, auto insurance is mandatory in Milpitas, CA, as it is in the entire state of California. The law requires all drivers to carry a minimum amount of liability insurance coverage to ensure financial responsibility in case of accidents.
What does liability insurance cover?
Liability insurance covers damages or injuries you may cause to others while operating your vehicle. It typically includes two components: bodily injury liability, which pays for medical expenses and other costs related to injuries, and property damage liability, which covers damages to another person’s property.
What is collision coverage?
Collision coverage is an optional insurance component that pays for damages to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. This coverage helps cover the cost of repairing or replacing your vehicle.
What does comprehensive coverage include?
Comprehensive coverage is another optional component that covers damages to your vehicle that are not caused by a collision. This can include theft, vandalism, fire, natural disasters, falling objects, and other specified events. It provides protection for the value of your vehicle.
Are there any additional auto insurance coverage options available?
Yes, in addition to liability, collision, and comprehensive coverage, there are other options you can consider. Some common additional coverage options include uninsured/underinsured motorist coverage, medical payments coverage, rental reimbursement coverage, and roadside assistance coverage.
How are auto insurance premiums determined in Milpitas, CA?
Auto insurance premiums in Milpitas, CA, are determined by several factors. These factors include your driving history, age, gender, type of vehicle, location, credit history, coverage limits, and deductibles. Insurance companies assess these factors to calculate the risk associated with insuring you and determine your premium.
Can I get discounts on my auto insurance?
Yes, many insurance companies offer discounts that can help lower your auto insurance premium. Some common discounts include safe driver discounts, multi-policy discounts (when you have multiple policies with the same insurer), good student discounts, anti-theft device discounts, and more. It’s best to check with your insurance provider to see which discounts you may be eligible for.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
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.