Cheapest Car Insurance Quotes in Los Olivos

Finding the cheapest car insurance quotes in Los Olivos shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Los Olivos Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Los Olivos

The car insurance rate in Los Olivos is $890 for a six-month policy, which is $121 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $565, making it a popular choice for budget-conscious drivers. Rates in Los Olivos can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Los Olivos

$890

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Los Olivos

1st place: CSAA

At $565 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $716 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $758 for six months, making it the third cheapest auto insurance company in Los Olivos.

Los Olivos Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Los Olivos, CA is CSAA, offering policies at just $565 for a six-month term. This is followed by USAA, which has an average six-month premium of $716.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $679 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Los Olivos drivers find the best deals.

Cheap Car Insurance Companies in Los Olivos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$565	$95
USAA	$716	$121
Mercury	$758	$128
AAA SoCal	$831	$142
Progressive	$873	$147
Allstate	$957	$161
Wawanesa	$962	$162
AAA NorCal	$972	$165
Auto Club	$1003	$167
State Farm	$1061	$179
AAA	$1207	$202
Kemper	$1250	$212
Farmers	$1396	$232
Capital Insurance Group	$622	$104
National General	$633	$107
State National	$643	$107
Hartford	$679	$115

Key Takeaways

Way's key takeaways about car insurance in Los Olivos

The auto insurance costs in Los Olivos fall around $565 for six months.
The cheapest auto insurance company in Los Olivos is CSAA.
Teen drivers pay the highest rate in Los Olivos at $59 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Los Olivos

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Los Olivos are given below.

CSAA provides the cheapest minimum car insurance coverage in Los Olivos. Their Average 6 Month Premium is $136. 21st Century is the most expensive at $356 for the same period.

Cheapest Liability Coverage in Los Olivos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$136	$23
AAA	$240	$40
USAA	$251	$42
AAA NorCal	$261	$44
AAA SoCal	$298	$51
Progressive	$304	$51
Auto Club	$308	$53
State Farm	$319	$54
Wawanesa	$324	$55
Mercury	$345	$58
Allstate	$371	$62
Farmers	$444	$74
Kemper	$246	$41
Capital Insurance Group	$267	$46
State National	$282	$48
National General	$350	$58
21st Century	$356	$61

Cheapest Full Coverage Car Insurance in Los Olivos

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Los Olivos is CSAA at $95 per month and $565 for six months.

Cheapest Full Coverage Car Insurance Quotes in Los Olivos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$565	$95
USAA	$716	$121
Mercury	$758	$128
AAA SoCal	$831	$142
Progressive	$873	$147
Allstate	$957	$161
Wawanesa	$962	$162
AAA NorCal	$972	$165
Auto Club	$1003	$167
State Farm	$1061	$179
AAA	$1207	$202
Kemper	$1250	$212
Farmers	$1396	$232
Capital Insurance Group	$622	$104
National General	$633	$107
State National	$643	$107
Hartford	$679	$115

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Los Olivos Instantly!

Average Car Insurance in Los Olivos by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Los Olivos, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Los Olivos, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Los Olivos's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Los Olivos

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$515
30s	Wawanesa	$415
40s	Wawanesa	$415
50s	Wawanesa	$415
60s	Wawanesa	$415
70s	Wawanesa	$407

Cheapest Car Insurance Rates for Teen Drivers in Los Olivos,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Los Olivos at $34 per month. At $345 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$204	$34
Capital Insurance Group	$460	$77
USAA	$1097	$185
Mercury	$1113	$187
Wawanesa	$1223	$208
Progressive	$1280	$216
CSAA	$1542	$260
State Farm	$1830	$308
AAA SoCal	$1981	$337
Allstate	$2123	$357
Auto Club	$2263	$385
AAA NorCal	$3016	$502
Farmers	$3079	$524
State National	$329	$55
Marcury	$345	$59

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Los Olivos.

As young drivers face the highest rates in Los Olivos, Wawanesa offers the cheapest auto insurance rates at $515 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Los Olivos.

Car Insurance Rates with An Accident in Los Olivos

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Los Olivos, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Los Olivos

The cheapest car insurance companies after an at-fault accident in Los Olivos include AAA and Capital Insurance Group, offering $334 and $480, respectively. 21st Century is an expensive provider with an average six-month premium of $601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$334	$56
Capital Insurance Group	$480	$82
CSAA	$643	$108
USAA	$962	$162
Progressive	$1113	$187
Mercury	$1181	$201
Wawanesa	$1359	$226
AAA SoCal	$1427	$243
Auto Club	$1506	$251
Farmers	$1547	$260
State Farm	$1840	$310
AAA NorCal	$1970	$335
Allstate	$2368	$399
State National	$397	$66
Hartford	$460	$78
National General	$528	$88
Nationwide	$569	$97
21st Century	$601	$100

Los Olivos Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Los Olivos CA. For example, the car insurance in Los Olivos after a DUI increases to $1531 for a six month policy. While the rate increases by $402 for a six-month policy in the case of a speeding ticket.

Los Olivos auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$957	$159
Not-at-fault accident	$957	$163
One comp claim	$957	$159
One Med/PIP claim	$957	$163
Two comp claims	$957	$159
Two Med/PIP claims	$957	$163
At-fault accident - less than $1000	$978	$163
Failure to show documents	$1260	$214
Driving with expired registration	$1286	$215
Driving without lights	$1286	$218
Failure to wear a seat belt	$1291	$216
Child safety restraint	$1302	$221
Speeding 11 - 15 MPH over limit	$1353	$225
Speeding 16 - 20 MPH over limit	$1353	$231
Driving too slowly	$1359	$226
Failure to stop at a red light	$1359	$231
Failure to yield	$1359	$226
Following too closely	$1359	$231
Illegal turn	$1359	$226
In 65 MPH zone	$1359	$231
Speeding 21 - 25 MPH over limit	$1359	$226
Speeding 6 - 10 MPH over limit	$1359	$231
Speeding in school zone	$1359	$226
Improper passing	$1364	$232
Cell phone violation	$1369	$228
Texting while driving	$1369	$233
Passing school bus	$1385	$231
Wrong way/wrong lane	$1620	$275
Operating a vehicle without permission	$1657	$276
At-fault accident - $1000-$2000	$1668	$283
At-fault accident - greater than $2000	$1668	$278
Open container	$1673	$284
Driving with a suspended license	$1940	$323
Reckless driving	$2363	$402
Racing	$2389	$398
Leaving scene of an accident/hit and run	$2399	$408
DUI	$2488	$414
Refusal to submit to a chemical test	$2488	$423

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Los Olivos after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Los Olivos.

The cheapest car insurance premiums in Los Olivos are offered by AAA at $658 for a six-month policy. However, it can be as expensive as $554 with companies like Kemper.

Los Olivos car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$658	$112
Capital Insurance Group	$716	$120
Mercury	$852	$143
Progressive	$1260	$212
Wawanesa	$1531	$260
Farmers	$1625	$274
USAA	$1730	$291
CSAA	$1830	$308
AAA SoCal	$2645	$450
Auto Club	$3026	$504
AAA NorCal	$3487	$593
State Farm	$3722	$627
Allstate	$3832	$645
Travelers	$737	$123
National General	$345	$57
Kemper	$554	$92

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Los Olivos are offered by CSAA at $84. However, it can be as expensive as $397 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Los Olivos after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$84	$14
Capital Insurance Group	$460	$77
Mercury	$784	$132
USAA	$821	$136
Progressive	$884	$149
AAA NorCal	$1223	$204
AAA SoCal	$1312	$224
Allstate	$1349	$224
State Farm	$1427	$243
Farmers	$1976	$329
AAA	$256	$43
Kemper	$324	$55
National General	$345	$57
State National	$397	$68

Car Insurance Price Trends in Los Olivos, California

Car insurance rates in Los Olivos have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Los Olivos rose by $169 in December compared to $167 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Los Olivos rose to $48 in December, compared to $46 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Los Olivos?

The car insurance in Los Olivos is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Los Olivos?

The cheapest car insurance in Los Olivos is $95 per month for full coverage.

How much is car insurance in Los Olivos for teenagers?

Car insurance for teenagers costs $204 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Los Olivos?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $150 per month to insure your car in Los Olivos.

Is car insurance expensive in Los Olivos?

Car insurance can be expensive in Los Olivos if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Los Olivos can be affordable.

Cheapest Car Insurance Quotes in Los Olivos

Why you can trust Way?

How Much Is Car Insurance in Los Olivos

Avg. Car Insurance in Los Olivos

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Los Olivos

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Los Olivos Car Insurance Rates by Company

Cheap Car Insurance Companies in Los Olivos, CA

Way's key takeaways about car insurance in Los Olivos

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Los Olivos

Cheapest Liability Coverage in Los Olivos, CA

Cheapest Full Coverage Car Insurance in Los Olivos

Cheapest Full Coverage Car Insurance Quotes in Los Olivos, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Los Olivos by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Los Olivos, CA increasing?

Car Insurance Premiums by Age in Los Olivos

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Los Olivos,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Los Olivos.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Los Olivos

Cheapest Car Insurance Companies after an At-Fault Accident in Los Olivos

Los Olivos Car Insurance Rates by Violation

Los Olivos auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Los Olivos after a DUI

Los Olivos car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Los Olivos after Speeding ticket

Car Insurance Price Trends in Los Olivos, California

Average Car Insurance Cost in Los Olivos by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Los Olivos, CA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources