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Get Cheap Car Insurance in San Mateo, CA
We monitor insurance prices, helping the average driver in San Mateo save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Mateo
The chart below shows the cheapest car insurance company in San Mateo 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 Mateo Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of San Mateo Driver
Based on our extensive insurance data, we know the average San Mateo 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 $661 per year by choosing the right vehicle insurance company. Some San Mateo residents are paying out over $2,066 extra every year for auto insurance in San Mateo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Mateo, CA Savings / Yr. |
|---|---|
$661 |
|
$1,210 |
|
$957 |
|
$1,681 |
|
$863 |
|
$375 |
|
$0 |
San Mateo Car Insurance vs. California
People living in San Mateo pay an average of 2.89% more than the typical driver in the state. The average driver in San Mateo can expect to pay about $967 per year, or $2,066 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Mateo for most people.
Car Insurance Prices by San Mateo Neighborhood
Insurance Prices
Where is insurance cheapest within San Mateo?
The map shows insurance prices in and around San Mateo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $430 per year within the city boundaries, with insurance premiums ranging from a high of $2,362 to a low of $1,932. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of San Mateo.Pick the Best Car Insurance Company for You in San Mateo
The best car insurance provider for most drivers in San Mateo
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $661 over the average San Mateo car insurance company.
The best car insurance provider for San Mateo 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 $1,210 over the competition.
The best car insurance company for San Mateo drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $957 better than other car insurance companies.
The best auto insurance for San Mateo drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,681 less each year.
The least expensive car insurance company for new and young drivers in San Mateo
In San Mateo, State Farm costs young drivers $863 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Mateo
Progressive gave the largest car insurance discounts to married couples, averaging $375 saved each year compared to an average San Mateo couple's premiums.
The cheapest car insurance in San Mateo for drivers with bad credit
The best San Mateo car insurance company for customer service
Recent price drops
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The cheapest large national provider in San Mateo
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average San Mateo 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 Mateo, 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 Mateo
What Influences the Cost of Car Insurance in San Mateo?
On average, car insurance in San Mateo is more expensive than the rest of the state. These high 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 Mateo is 37 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 San Mateo are about 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.
- San Mateo 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 San Mateo is $81 per month for minimum coverage and $172 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 0.82% less
- Foster City: Insurance costs 1.16% less
- Highlands-Baywood Park: Insurance costs 6.49% less
- Belmont: Insurance costs 1.89% less
- Burlingame: Insurance costs 1.55% more
- San Carlos: Insurance costs 2.81% less
- Millbrae: Insurance costs 0.48% more
- Redwood City: Insurance costs 0.44% less
- North Fair Oaks: Insurance costs 0.29% more
- San Bruno: Insurance costs 1.98% more
Cities with Similar Populations
- Carlsbad: Insurance costs 6.87% less
- Canton: Insurance costs 49.95% more
- Canton: Insurance costs 11.86% less
- Castle Rock: Insurance costs 6.05% less
- Cary: Insurance costs 38.96% less
- Canyon Country: Insurance costs 11.42% more
- Cape Coral: Insurance costs 20.23% more
- Chattanooga: Insurance costs 32.09% less
- Cedar Rapids: Insurance costs 40.42% less
- Cheektowaga: Insurance costs 13.60% more