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Get Cheap Car Insurance in Morro Bay, CA
We monitor insurance prices, helping the average driver in Morro Bay save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Morro Bay
The chart below shows the cheapest car insurance company in Morro Bay 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.
| Morro Bay Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $53 |
| Progressive | $57 |
| Travelers | $59 |
Savings for Every Kind of Morro Bay Driver
Based on our extensive insurance data, we know the average Morro Bay 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 $598 per year by choosing the right vehicle insurance company. Some Morro Bay residents are paying out over $1,872 extra every year for auto insurance in Morro Bay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Morro Bay, CA Savings / Yr. |
|---|---|
$598 |
|
$1,096 |
|
$867 |
|
$1,523 |
|
$782 |
|
$339 |
|
$0 |
Morro Bay Car Insurance vs. California
People living in Morro Bay pay an average of 6.78% less than the typical driver in the state. The average driver in Morro Bay can expect to pay about $876 per year, or $1,872 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Morro Bay for most people.
Car Insurance Prices by Morro Bay Neighborhood
Insurance Prices
Where is insurance cheapest within Morro Bay?
The map shows insurance prices in and around Morro Bay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $232 per year within the city boundaries, with insurance premiums ranging from a high of $1,974 to a low of $1,742. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Morro Bay.Pick the Best Car Insurance Company for You in Morro Bay
The best car insurance provider for most drivers in Morro Bay
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $598 over the average Morro Bay car insurance company.
The best car insurance provider for Morro Bay 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 $1,096 over the competition.
The best car insurance company for Morro Bay drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $867 better than other car insurance companies.
The best auto insurance for Morro Bay drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,523 less each year.
The least expensive car insurance company for new and young drivers in Morro Bay
In Morro Bay, State Farm costs young drivers $782 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Morro Bay
Progressive gave the largest car insurance discounts to married couples, averaging $339 saved each year compared to an average Morro Bay couple's premiums.
The cheapest car insurance in Morro Bay for drivers with bad credit
The best Morro Bay car insurance company for customer service
Recent price drops
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The cheapest large national provider in Morro Bay
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Morro Bay 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 Morro Bay, 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 Morro Bay
What Influences the Cost of Car Insurance in Morro Bay?
On average, car insurance in Morro Bay 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 Morro Bay is 25 minutes, which is far less than 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 Morro Bay are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Morro Bay has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Morro Bay is $73 per month for minimum coverage and $156 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
- Los Osos: Insurance costs 3.90% more
- Cayucos: Insurance costs 3.69% less
- Atascadero: Insurance costs 2.35% more
- San Luis Obispo: Insurance costs 0.91% more
- Avila Beach: Insurance costs 3.79% less
- Garden Farms: Insurance costs 0.21% more
- Santa Margarita: Insurance costs 1.71% more
- Creston: Insurance costs 0.59% less
- Pozo: Insurance costs 1.71% more
- La Panza: Insurance costs 1.01% more
Cities with Similar Populations
- Humboldt: Insurance costs 24.25% less
- Shady Hills: Insurance costs 41.93% more
- Seven Hills: Insurance costs 39.90% less
- Senatobia: Insurance costs 5.18% less
- Seminole: Insurance costs 6.73% less
- Selma: Insurance costs 7.75% less
- Johnstown: Insurance costs 17.09% more
- Jefferson: Insurance costs 83.87% more
- Jamesville: Insurance costs 20.67% more
- Isanti: Insurance costs 7.96% less