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Get Cheap Car Insurance in Pismo Beach, CA
We monitor insurance prices, helping the average driver in Pismo Beach save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Pismo Beach
The chart below shows the cheapest car insurance company in Pismo Beach 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.
| Pismo Beach Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| Geico | $54 |
| Progressive | $58 |
| Travelers | $60 |
Savings for Every Kind of Pismo Beach Driver
Based on our extensive insurance data, we know the average Pismo Beach 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 $609 per year by choosing the right vehicle insurance company. Some Pismo Beach residents are paying out over $1,906 extra every year for auto insurance in Pismo Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pismo Beach, CA Savings / Yr. |
|---|---|
$609 |
|
$1,116 |
|
$883 |
|
$1,551 |
|
$796 |
|
$346 |
|
$0 |
Pismo Beach Car Insurance vs. California
People living in Pismo Beach pay an average of 5.07% less than the typical driver in the state. The average driver in Pismo Beach can expect to pay about $892 per year, or $1,906 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Pismo Beach for most people.
Car Insurance Prices by Pismo Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Pismo Beach?
The map shows insurance prices in and around Pismo Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $217 per year within the city boundaries, with insurance premiums ranging from a high of $1,989 to a low of $1,772. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Pismo Beach.Pick the Best Car Insurance Company for You in Pismo Beach
The best car insurance provider for most drivers in Pismo Beach
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $609 over the average Pismo Beach car insurance company.
The best car insurance provider for Pismo Beach 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 $1,116 over the competition.
The best car insurance company for Pismo Beach drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $883 better than other car insurance companies.
The best auto insurance for Pismo Beach drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,551 less each year.
The least expensive car insurance company for new and young drivers in Pismo Beach
In Pismo Beach, State Farm costs young drivers $796 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pismo Beach
Progressive gave the largest car insurance discounts to married couples, averaging $346 saved each year compared to an average Pismo Beach couple's premiums.
The cheapest car insurance in Pismo Beach for drivers with bad credit
The best Pismo Beach car insurance company for customer service
Nationwide was the best company for customer service in Pismo Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Pismo Beach
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Pismo Beach 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 Pismo Beach, 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 Pismo Beach
What Influences the Cost of Car Insurance in Pismo Beach?
On average, car insurance in Pismo Beach 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 Pismo Beach is 24 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 Pismo Beach are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Pismo Beach has an average population density 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 Pismo Beach is $74 per month for minimum coverage and $159 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
- Shell Beach: Insurance costs 3.73% less
- Grover Beach: Insurance costs 1.68% more
- Oceano: Insurance costs 3.99% more
- Arroyo Grande: Insurance costs 2.15% less
- Avila Beach: Insurance costs 5.51% less
- Halcyon: Insurance costs 2.68% less
- Los Berros: Insurance costs 2.57% less
- San Luis Obispo: Insurance costs 0.89% less
- Nipomo: Insurance costs 1.52% less
- Huasna: Insurance costs 2.62% less
Cities with Similar Populations
- Elmer: Insurance costs 7.29% less
- Toronto: Insurance costs 42.60% less
- Topsham: Insurance costs 50.94% less
- Timmonsville: Insurance costs 9.97% less
- Folkston: Insurance costs 12.43% less
- Firebaugh: Insurance costs 6.66% more
- Farr West: Insurance costs 26.71% less
- Farmington: Insurance costs 13.85% less
- Farmersville: Insurance costs 12.43% less
- Fairview: Insurance costs 29.91% less