Best Palo Alto, California Auto Insurance in 2024
The average Palo Alto, CA auto insurance rates are $275 per month. The minimum auto insurance in Palo Alto is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Palo Alto, California, compare quotes from multiple companies.
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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: Sep 13, 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 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: Sep 13, 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 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 cheapest auto insurance company in Palo Alto is Geico
- The minimum auto insurance required in Palo Alto, California is 15/30/5
- The most expensive auto insurance company in Palo Alto for teen drivers is Farmers
Palo Alto, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Palo Alto 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 Palo Alto, California, including driving record, credit, commute time, and more.
Compare auto insurance in Palo Alto to other California cities, including Bakersfield auto insurance rates, San Francisco auto insurance rates, and Sacramento auto insurance rates to see how Palo Alto, California auto insurance rates stack up.
Before you buy Palo Alto, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Palo Alto, California auto insurance quotes.
Minimum Auto Insurance in Palo Alto, California
Palo Alto, 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 Palo Alto, 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 Palo Alto, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Palo Alto, 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 | $2,644 | $2,645 | $1,948 | $1,960 | $7,476 | $9,415 | $3,377 | $3,699 |
| Farmers | $2,282 | $2,282 | $2,069 | $2,069 | $7,357 | $12,074 | $2,714 | $3,032 |
| Geico | $1,561 | $1,562 | $1,469 | $1,469 | $4,765 | $4,844 | $2,244 | $2,292 |
| Liberty Mutual | $2,096 | $1,985 | $1,954 | $1,894 | $4,620 | $4,908 | $2,364 | $2,378 |
| Nationwide | $2,921 | $2,786 | $2,555 | $2,407 | $7,507 | $8,256 | $3,505 | $3,462 |
| Progressive | $1,674 | $1,725 | $1,413 | $1,683 | $4,455 | $5,382 | $2,402 | $2,585 |
| State Farm | $2,803 | $2,803 | $2,506 | $2,506 | $5,181 | $6,422 | $3,105 | $3,203 |
| Travelers | $2,269 | $2,193 | $2,015 | $1,995 | $4,717 | $5,365 | $2,943 | $2,878 |
| USAA | $1,842 | $1,744 | $1,797 | $1,804 | $4,194 | $4,233 | $2,560 | $2,418 |
Cheap Palo Alto, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Palo Alto, California is a challenge. Take a look at the annual teen auto insurance rates in Palo Alto, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,476 | $9,415 |
| Farmers | $7,357 | $12,074 |
| Geico | $4,765 | $4,844 |
| Liberty Mutual | $4,620 | $4,908 |
| Nationwide | $7,507 | $8,256 |
| Progressive | $4,455 | $5,382 |
| State Farm | $5,181 | $6,422 |
| Travelers | $4,717 | $5,365 |
| USAA | $4,194 | $4,233 |
Cheap Palo Alto, California Auto Insurance for Seniors
What are senior auto insurance rates in Palo Alto, 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 | $1,948 | $1,960 |
| Farmers | $2,069 | $2,069 |
| Geico | $1,469 | $1,469 |
| Liberty Mutual | $1,954 | $1,894 |
| Nationwide | $2,555 | $2,407 |
| Progressive | $1,413 | $1,683 |
| State Farm | $2,506 | $2,506 |
| Travelers | $2,015 | $1,995 |
| USAA | $1,797 | $1,804 |
Cheap Palo Alto, 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 Palo Alto, California compared to the annual auto insurance rates with a clean record in Palo Alto, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,508 | $4,203 | $6,583 | $3,288 |
| Farmers | $3,129 | $4,263 | $5,311 | $4,236 |
| Geico | $1,766 | $2,729 | $3,418 | $2,190 |
| Liberty Mutual | $2,409 | $3,227 | $2,911 | $2,552 |
| Nationwide | $2,918 | $3,736 | $6,310 | $3,736 |
| Progressive | $1,749 | $2,963 | $3,430 | $2,517 |
| State Farm | $2,546 | $3,036 | $5,729 | $2,954 |
| Travelers | $2,041 | $3,309 | $3,841 | $2,997 |
| USAA | $1,711 | $2,549 | $4,162 | $1,874 |
Cheap Palo Alto, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Palo Alto, California is not easy. Compare the annual rates for DUI auto insurance in Palo Alto, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,583 |
| Farmers | $5,311 |
| Geico | $3,418 |
| Liberty Mutual | $2,911 |
| Nationwide | $6,310 |
| Progressive | $3,430 |
| State Farm | $5,729 |
| Travelers | $3,841 |
| USAA | $4,162 |
Cheap Palo Alto, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Palo Alto, California can vary. Compare the annual cost of auto insurance by ZIP code in Palo Alto, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 94301 | $4,552 |
| 94304 | $4,533 |
| 94306 | $4,472 |
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Cheap Palo Alto, California Auto Insurance Rates By Commute
Commute length and annual mileage affect Palo Alto, California auto insurance. Find the cheapest annual Palo Alto, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,744 | $4,547 |
| Farmers | $3,843 | $4,627 |
| Geico | $2,294 | $2,757 |
| Liberty Mutual | $2,551 | $2,999 |
| Nationwide | $3,686 | $4,664 |
| Progressive | $2,417 | $2,913 |
| State Farm | $3,437 | $3,695 |
| Travelers | $2,744 | $3,350 |
| USAA | $2,374 | $2,774 |
Cheap Palo Alto, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Palo Alto, California? Check out the comparison of annual Palo Alto, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,950 | $4,179 | $4,308 |
| Farmers | $3,955 | $4,269 | $4,481 |
| Geico | $2,314 | $2,554 | $2,709 |
| Liberty Mutual | $2,593 | $2,801 | $2,931 |
| Nationwide | $3,780 | $4,252 | $4,494 |
| Progressive | $2,414 | $2,742 | $2,838 |
| State Farm | $3,216 | $3,628 | $3,855 |
| Travelers | $2,648 | $3,137 | $3,356 |
| USAA | $2,355 | $2,620 | $2,746 |
Best By Category: Cheapest Auto Insurance in Palo Alto, California
Compare the cheapest auto insurance companies in Palo Alto, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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The Cheapest Palo Alto, California Auto Insurance Companies
What auto insurance companies in Palo Alto, California are the cheapest? Compare the top Palo Alto, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,146 |
| Farmers | $4,235 |
| Geico | $2,526 |
| Liberty Mutual | $2,775 |
| Nationwide | $4,175 |
| Progressive | $2,665 |
| State Farm | $3,566 |
| Travelers | $3,047 |
| USAA | $2,574 |
What affects auto insurance rates in Palo Alto, California?
There are a lot of reasons why auto insurance rates in Palo Alto, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Palo Alto, California. Many local factors may affect your Palo Alto auto insurance rates.
Palo Alto Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Palo Alto, California auto theft statistics, there have been 82 auto thefts in the city.
Palo Alto Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palo Alto, California commute length is 25.0 minutes according to City-Data.
Compare Palo Alto, California Auto Insurance Quotes
Before you buy Palo Alto, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Palo Alto, California auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is Palo Alto auto insurance?
Palo Alto auto insurance refers to the insurance coverage specifically designed for vehicles registered and driven in the city of Palo Alto, California. It provides financial protection in case of accidents, damage to the vehicle, or injuries to individuals involved in a car accident while driving in Palo Alto.
What are the minimum auto insurance requirements in Palo Alto, CA?
The minimum auto insurance requirements in Palo Alto, CA are the same as the state of California. Drivers are required to have liability coverage with limits of at least $15,000 for bodily injury or death per person, $30,000 for bodily injury or death per accident, and $5,000 for property damage per accident. This is commonly referred to as 15/30/5 coverage.
Can I choose higher coverage limits than the minimum requirement in Palo Alto?
Yes, you can choose higher coverage limits for your auto insurance in Palo Alto, CA. While the minimum coverage meets the legal requirements, it may not provide sufficient protection in more serious accidents. It’s advisable to consider higher coverage limits to better safeguard your assets and financial well-being.
What other types of coverage are available in Palo Alto auto insurance?
In addition to liability coverage, you can also opt for other types of coverage such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP). These additional coverages can provide added protection for your vehicle and yourself in different situations.
How can I find affordable auto insurance in Palo Alto, CA?
To find affordable auto insurance in Palo Alto, CA, it’s recommended to shop around and compare quotes from different insurance providers. Factors such as your driving record, location, age, and the type of vehicle you drive can impact the cost of insurance. Additionally, you can inquire about available discounts, such as safe driver discounts or multi-policy discounts, to potentially reduce your premiums.
Are there any specific considerations for auto insurance in Palo Alto?
Palo Alto is located in Santa Clara County, California, which is known for its high population density and traffic volume. It’s important to consider factors like traffic congestion, road conditions, and the prevalence of accidents when selecting your auto insurance coverage. You may want to assess the need for comprehensive coverage to protect against incidents like theft or damage from severe weather.
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Enter your ZIP code below to view companies that have cheap auto 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.