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Get Cheap Car Insurance in San Luis Obispo, CA
We monitor insurance prices, helping the average driver in San Luis Obispo save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Luis Obispo
The chart below shows the cheapest car insurance company in San Luis Obispo 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.
| San Luis Obispo Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $54 |
| Progressive | $57 |
| Travelers | $59 |
Savings for Every Kind of San Luis Obispo Driver
Based on our extensive insurance data, we know the average San Luis Obispo 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 $604 per year by choosing the right vehicle insurance company. Some San Luis Obispo residents are paying out over $1,889 extra every year for auto insurance in San Luis Obispo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Luis Obispo, CA Savings / Yr. |
|---|---|
$604 |
|
$1,106 |
|
$875 |
|
$1,537 |
|
$789 |
|
$342 |
|
$0 |
San Luis Obispo Car Insurance vs. California
People living in San Luis Obispo pay an average of 5.93% less than the typical driver in the state. The average driver in San Luis Obispo can expect to pay about $884 per year, or $1,889 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Luis Obispo for most people.
Car Insurance Prices by San Luis Obispo Neighborhood
Insurance Prices
Where is insurance cheapest within San Luis Obispo?
The map shows insurance prices in and around San Luis Obispo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $318 per year within the city boundaries, with insurance premiums ranging from a high of $2,065 to a low of $1,747. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the West parts of San Luis Obispo.Pick the Best Car Insurance Company for You in San Luis Obispo
The best car insurance provider for most drivers in San Luis Obispo
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $604 over the average San Luis Obispo car insurance company.
The best car insurance provider for San Luis Obispo 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 $1,106 over the competition.
The best car insurance company for San Luis Obispo drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $875 better than other car insurance companies.
The best auto insurance for San Luis Obispo drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,537 less each year.
The least expensive car insurance company for new and young drivers in San Luis Obispo
In San Luis Obispo, State Farm costs young drivers $789 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Luis Obispo
Progressive gave the largest car insurance discounts to married couples, averaging $342 saved each year compared to an average San Luis Obispo couple's premiums.
The cheapest car insurance in San Luis Obispo for drivers with bad credit
The best San Luis Obispo car insurance company for customer service
Nationwide was the best company for customer service in San Luis Obispo according to the NAIC.
Recent price drops
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The cheapest large national provider in San Luis Obispo
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average San Luis Obispo 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 San Luis Obispo, 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 San Luis Obispo
What Influences the Cost of Car Insurance in San Luis Obispo?
On average, car insurance in San Luis Obispo 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 San Luis Obispo is 19 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 San Luis Obispo are among the lowest 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.
- San Luis Obispo 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 San Luis Obispo is $74 per month for minimum coverage and $157 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
- Avila Beach: Insurance costs 4.66% less
- Shell Beach: Insurance costs 2.86% less
- Pismo Beach: Insurance costs 0.90% more
- Los Osos: Insurance costs 2.96% more
- Grover Beach: Insurance costs 2.59% more
- Halcyon: Insurance costs 1.80% less
- Santa Margarita: Insurance costs 0.79% more
- Arroyo Grande: Insurance costs 1.27% less
- Morro Bay: Insurance costs 0.90% less
- Oceano: Insurance costs 4.92% more
Cities with Similar Populations
- Blaine: Insurance costs 9.05% less
- Brentwood: Insurance costs 9.63% more
- Casa Grande: Insurance costs 6.88% less
- Gilroy: Insurance costs 8.15% more
- Hickory: Insurance costs 36.10% less
- North Little Rock: Insurance costs 4.66% less
- Wyoming: Insurance costs 59.18% more
- North Miami: Insurance costs 89.68% more
- North Richland Hills: Insurance costs 8.84% less
- Northglenn: Insurance costs 9.16% more