Cheap Car Insurance in San Luis Obispo, California (With 2024 Rates)

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Auto Insurance Requirements in California

By law, the state requires a minimum of 15/30/5 for auto insurance as explained below:

  • $15,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $30,000. The amount is the same for deaths of two or more people caused by one accident
  • $5,000 for damage to the property of other people.
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Car Insurance Companies in California and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Progressive Insurance. But the major players are State Farm, Allstate and Farmers insurance in order.

Company Annual premium (50/100/50) Market share Complaints
Geico $313 3.9826% ($566,768,855) 66
Progressive $533 1.0974% ($156,172,025) 36
Allstate $544 7.5870% ($1,079,711,625) 50
Nationwide $693 0.6784% ($96,539,693) 9
Farmers $723 6.0130% ($855,712,148 ) 32
State Farm $746 14.1983% ($2,020,561,254) 50

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Insurance Agents in San Luis Obispo, CA and Near by

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    Engle & Associates Insurance Brokers
    1236 Higuera St, San Luis Obispo, CA 93401
    (805) 781-6336
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    Todd Thomas
    1238 Marsh St, San Luis Obispo, CA 93401
    (805) 543-0650
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    Shawn Minton
    1042 Pacific St Ste E, San Luis Obispo, CA 93401
    (805) 546-8113
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    David Radmacher
    1025 Pacific St, San Luis Obispo, CA 93401
    (805) 242-5583
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    RL & Associates
    1363 Marsh St Ste A, San Luis Obispo, CA 93401
    (805) 783-7130
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    Coast & Ranch Insurance Services
    1108 Garden St Ste 206, San Luis Obispo, CA 93401
    (805) 549-0553
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    SLO Insurance Services
    1494 Mill St, San Luis Obispo, CA 93401
    (805) 543-7564
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    Joy Swann Cottle
    1228 Broad St, San Luis Obispo, CA 93401
    (805) 548-8530
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    Shari Robasciotti
    1608 Johnson Ave, San Luis Obispo, CA 93401
    (805) 546-8393
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    Susan Rodriguez
    1317 Broad St Ste A, San Luis Obispo, CA 93401
    (805) 783-7050
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    Freedom Insurance Services
    569 Higuera St Ste B, San Luis Obispo, CA 93401
    (800) 881-3419
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    Adler Belmont Dye Insurance Services
    369 Marsh St Ste 200, San Luis Obispo, CA 93401
    (805) 540-3900
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    McGee Insurance Agency
    2000 Broad St, San Luis Obispo, CA 93401
    (805) 543-8833
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    Marc Amesse
    2251 Broad St Ste A, San Luis Obispo, CA 93401
    (805) 543-0889
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    Lorenzen Insurance Services
    3211 Broad St Ste 201, San Luis Obispo, CA 93401
    (805) 783-2440
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    State One Insurance Services
    1248 Laurel Ln, San Luis Obispo, CA 93401
    (805) 547-1000
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    Morris & Garritano Insurance Services
    1122 Laurel Ln, San Luis Obispo, CA 93401
    (805) 543-6887
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    Coast Auto Insurance Services
    3121 S Higuera St Ste I, San Luis Obispo, CA 93401
    (805) 544-1990
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    Andy Cox
    3220 S Higuera St Ste 300, San Luis Obispo, CA 93401
    (805) 543-2194
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    Peterson & Grantham Insurance
    36 Zaca Ln, San Luis Obispo, CA 93401
    (805) 544-9000
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    DiBuduo & DeDendis Insurance
    100 Cross St Ste 104, San Luis Obispo, CA 93401
    (805) 593-1400
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  • 7.31 mi
    Andrew Cox
    11555 Los Osos Valley Rd Ste 110, San Luis Obispo, CA 93405
    (805) 543-2425
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  • 7.31 mi
    AAA Insurance
    1445 Calle Joaquin, San Luis Obispo, CA 93405
    (805) 543-6454
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Learn More About Car Insurance in San Luis Obispo, CA

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.