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Get Cheap Car Insurance in Highlands-Baywood Park, CA
We monitor insurance prices, helping the average driver in Highlands-Baywood Park save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Highlands-Baywood Park
The chart below shows the cheapest car insurance company in Highlands-Baywood Park for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Highlands-Baywood Park Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| Geico | $55 |
| Progressive | $59 |
| Travelers | $61 |
Savings for Every Kind of Highlands-Baywood Park Driver
Based on our extensive insurance data, we know the average Highlands-Baywood Park driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $618 per year by choosing the right vehicle insurance company. Some Highlands-Baywood Park residents are paying out over $1,932 extra every year for auto insurance in Highlands-Baywood Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Highlands-Baywood Park, CA Savings / Yr. |
|---|---|
$618 |
|
$1,131 |
|
$895 |
|
$1,572 |
|
$807 |
|
$350 |
|
$0 |
Highlands-Baywood Park Car Insurance vs. California
People living in Highlands-Baywood Park pay an average of 3.79% less than the typical driver in the state. The average driver in Highlands-Baywood Park can expect to pay about $904 per year, or $1,932 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Highlands-Baywood Park for most people.
Car Insurance Prices by Highlands-Baywood Park Neighborhood
Insurance Prices
Where is insurance cheapest within Highlands-Baywood Park?
The map shows insurance prices in and around Highlands-Baywood Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,932 to a low of $1,932. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Highlands-Baywood Park.Pick the Best Car Insurance Company for You in Highlands-Baywood Park
The best car insurance provider for most drivers in Highlands-Baywood Park
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $618 over the average Highlands-Baywood Park car insurance company.
The best car insurance provider for Highlands-Baywood Park drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,131 over the competition.
The best car insurance company for Highlands-Baywood Park drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $895 better than other car insurance companies.
The best auto insurance for Highlands-Baywood Park drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,572 less each year.
The least expensive car insurance company for new and young drivers in Highlands-Baywood Park
In Highlands-Baywood Park, State Farm costs young drivers $807 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Highlands-Baywood Park
Progressive gave the largest car insurance discounts to married couples, averaging $350 saved each year compared to an average Highlands-Baywood Park couple's premiums.
The cheapest car insurance in Highlands-Baywood Park for drivers with bad credit
The best Highlands-Baywood Park car insurance company for customer service
Nationwide was the best company for customer service in Highlands-Baywood Park according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Highlands-Baywood Park, which was better than other insurers.
The cheapest large national provider in Highlands-Baywood Park
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Highlands-Baywood Park driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Highlands-Baywood Park, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Highlands-Baywood Park
What Influences the Cost of Car Insurance in Highlands-Baywood Park?
On average, car insurance in Highlands-Baywood Park is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Highlands-Baywood Park is 36 minutes, which is about the national average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Highlands-Baywood Park are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Highlands-Baywood Park is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Highlands-Baywood Park is $75 per month for minimum coverage and $161 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Hillsborough: Insurance costs 6.06% more
- San Mateo: Insurance costs 6.94% more
- Belmont: Insurance costs 4.92% more
- Burlingame: Insurance costs 8.59% more
- San Carlos: Insurance costs 3.93% more
- Foster City: Insurance costs 5.69% more
- Millbrae: Insurance costs 7.45% more
- Miramar: Insurance costs 0.26% more
- El Granada: Insurance costs 0.88% more
- Half Moon Bay: Insurance costs 2.74% more
Cities with Similar Populations
- Iron Hill: Insurance costs 14.29% more
- St. Elmo: Insurance costs 4.35% more
- Spillertown: Insurance costs 25.88% less
- Spencer Settlement: Insurance costs 9.89% more
- South Windham: Insurance costs 52.07% less
- South Newstead: Insurance costs 17.91% more
- South Killingly: Insurance costs 1.29% less
- South Amana: Insurance costs 36.70% less
- Smartsburg: Insurance costs 40.99% less
- Slayden: Insurance costs 8.59% less