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Get Cheap Car Insurance in Pacific Grove, CA
We monitor insurance prices, helping the average driver in Pacific Grove save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Pacific Grove
The chart below shows the cheapest car insurance company in Pacific Grove 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.
| Pacific Grove Insurer | Monthly Cost |
|---|---|
| Metromile | $46 |
| Geico | $52 |
| Progressive | $56 |
| Travelers | $57 |
Savings for Every Kind of Pacific Grove Driver
Based on our extensive insurance data, we know the average Pacific Grove 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 $587 per year by choosing the right vehicle insurance company. Some Pacific Grove residents are paying out over $1,835 extra every year for auto insurance in Pacific Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pacific Grove, CA Savings / Yr. |
|---|---|
$587 |
|
$1,075 |
|
$850 |
|
$1,493 |
|
$767 |
|
$333 |
|
$0 |
Pacific Grove Car Insurance vs. California
People living in Pacific Grove pay an average of 8.62% less than the typical driver in the state. The average driver in Pacific Grove can expect to pay about $859 per year, or $1,835 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Pacific Grove for most people.
Car Insurance Prices by Pacific Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Pacific Grove?
The map shows insurance prices in and around Pacific Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $134 per year within the city boundaries, with insurance premiums ranging from a high of $1,908 to a low of $1,774. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Pacific Grove.Pick the Best Car Insurance Company for You in Pacific Grove
The best car insurance provider for most drivers in Pacific Grove
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $587 over the average Pacific Grove car insurance company.
The best car insurance provider for Pacific Grove 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 $1,075 over the competition.
The best car insurance company for Pacific Grove drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $850 better than other car insurance companies.
The best auto insurance for Pacific Grove drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,493 less each year.
The least expensive car insurance company for new and young drivers in Pacific Grove
In Pacific Grove, State Farm costs young drivers $767 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pacific Grove
Progressive gave the largest car insurance discounts to married couples, averaging $333 saved each year compared to an average Pacific Grove couple's premiums.
The cheapest car insurance in Pacific Grove for drivers with bad credit
The best Pacific Grove car insurance company for customer service
Nationwide was the best company for customer service in Pacific Grove according to the NAIC.
Recent price drops
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The cheapest large national provider in Pacific Grove
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Pacific Grove 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 Pacific Grove, 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 Pacific Grove
What Influences the Cost of Car Insurance in Pacific Grove?
On average, car insurance in Pacific Grove 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 Pacific Grove 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 Pacific Grove are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Pacific Grove 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 Pacific Grove is $72 per month for minimum coverage and $153 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
- Del Monte Forest: Insurance costs 3.71% more
- Monterey: Insurance costs 3.05% more
- Sand City: Insurance costs 9.26% more
- Carmel-By-The-Sea: Insurance costs 2.62% more
- Del Rey Oaks: Insurance costs 0.93% more
- Seaside: Insurance costs 10.57% more
- Carmel: Insurance costs 0.60% more
- Carmel Highlands: Insurance costs 2.72% less
- Marina: Insurance costs 11.61% more
- East Garrison: Insurance costs 2.07% more
Cities with Similar Populations
- Melissa: Insurance costs 4.96% less
- Pineville: Insurance costs 26.05% less
- Pike Road: Insurance costs 15.37% less
- Pierre: Insurance costs 11.83% less
- Parlier: Insurance costs 13.02% more
- Ottawa: Insurance costs 15.86% less
- Mission: Insurance costs 13.08% less
- Minooka: Insurance costs 21.69% less
- Millersburg: Insurance costs 39.40% less
- Milford: Insurance costs 22.29% less