Cheapest Car Insurance Quotes in Los Osos

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Los Osos Car Insurance

^$ 20

/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 Osos

The car insurance rate in Los Osos is $971 for a six-month policy, which is $274 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $501, making it a popular choice for budget-conscious drivers. Rates in Los Osos 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 Osos

$971

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Los Osos

1st place: CSAA

At $501 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $802 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $815 for six months, making it the third cheapest auto insurance company in Los Osos.

Los Osos Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Los Osos, CA is CSAA, offering policies at just $501 for a six-month term. This is followed by Mercury, which has an average six-month premium of $802.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1070 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Los Osos drivers find the best deals.

Cheap Car Insurance Companies in Los Osos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$501	$84
Mercury	$802	$135
AAA NorCal	$815	$139
Progressive	$815	$137
Wawanesa	$853	$144
USAA	$867	$146
Auto Club	$889	$151
Allstate	$991	$167
AAA SoCal	$1047	$178
Kemper	$1108	$185
State Farm	$1186	$200
Travelers	$1325	$221
Farmers	$1330	$226
AAA	$1070	$179

Key Takeaways

Way's key takeaways about car insurance in Los Osos

The auto insurance costs in Los Osos fall around $501 for six months.
The cheapest auto insurance company in Los Osos is CSAA.
Teen drivers pay the highest rate in Los Osos at $470 per month.

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Cheapest Minimum Liability Car Insurance in Los Osos

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 Osos are given below.

CSAA provides the cheapest minimum car insurance coverage in Los Osos. Their Average 6 Month Premium is $120. Travelers is the most expensive at $509 for the same period.

Cheapest Liability Coverage in Los Osos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$120	$20
AAA NorCal	$199	$34
USAA	$227	$38
Progressive	$269	$45
Auto Club	$273	$45
Wawanesa	$287	$48
AAA	$329	$55
AAA SoCal	$334	$57
Mercury	$334	$56
State Farm	$366	$62
Allstate	$422	$71
Farmers	$454	$77
Travelers	$509	$85

Cheapest Full Coverage Car Insurance in Los Osos

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 Osos is CSAA at $84 per month and $501 for six months.

Cheapest Full Coverage Car Insurance Quotes in Los Osos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$501	$84
Mercury	$802	$135
AAA NorCal	$815	$139
Progressive	$815	$137
Wawanesa	$853	$144
USAA	$867	$146
Auto Club	$889	$151
Allstate	$991	$167
AAA SoCal	$1047	$178
Kemper	$1108	$185
State Farm	$1186	$200
Travelers	$1325	$221
Farmers	$1330	$226
AAA	$1070	$179

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Average Car Insurance in Los Osos 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 Osos, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Los Osos, 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 Osos'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 Osos

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	$468
30s	Wawanesa	$378
40s	Wawanesa	$378
50s	Wawanesa	$378
60s	Wawanesa	$378
70s	Wawanesa	$370

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Los Osos at $55 per month. At $2821 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$324	$55
Capital Insurance Group	$408	$68
USAA	$1061	$179
Wawanesa	$1084	$181
Progressive	$1242	$209
Mercury	$1288	$217
CSAA	$1367	$230
Auto Club	$2006	$335
State Farm	$2048	$345
Allstate	$2381	$401
AAA SoCal	$2520	$428
AAA NorCal	$2553	$425
Travelers	$2650	$451
Farmers	$2821	$470

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 Osos.

As young drivers face the highest rates in Los Osos, Wawanesa offers the cheapest auto insurance rates at $468 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 Osos.

Car Insurance Rates with An Accident in Los Osos

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 Osos, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Los Osos include AAA and Capital Insurance Group, offering $292 and $426, respectively. Allstate is an expensive provider with an average six-month premium of $2692.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$292	$48
Capital Insurance Group	$426	$73
CSAA	$570	$96
USAA	$936	$158
Mercury	$1024	$172
Progressive	$1070	$180
Wawanesa	$1204	$200
Auto Club	$1335	$227
Farmers	$1459	$246
AAA NorCal	$1654	$282
AAA SoCal	$1793	$299
State Farm	$2118	$356
Travelers	$2553	$425
Allstate	$2692	$453

Los Osos Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Los Osos CA. For example, the car insurance in Los Osos after a DUI increases to $1357 for a six month policy. While the rate increases by $356 for a six-month policy in the case of a speeding ticket.

Los Osos auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$848	$141
Not-at-fault accident	$848	$144
One comp claim	$848	$141
One Med/PIP claim	$848	$144
Two comp claims	$848	$141
Two Med/PIP claims	$848	$144
At-fault accident - less than $1000	$867	$144
Failure to show documents	$1117	$190
Driving with expired registration	$1140	$190
Driving without lights	$1140	$193
Failure to wear a seat belt	$1144	$191
Child safety restraint	$1154	$196
Speeding 11 - 15 MPH over limit	$1200	$200
Speeding 16 - 20 MPH over limit	$1200	$204
Driving too slowly	$1204	$200
Failure to stop at a red light	$1204	$205
Failure to yield	$1204	$200
Following too closely	$1204	$205
Illegal turn	$1204	$200
In 65 MPH zone	$1204	$205
Speeding 21 - 25 MPH over limit	$1204	$200
Speeding 6 - 10 MPH over limit	$1204	$205
Speeding in school zone	$1204	$200
Improper passing	$1209	$206
Cell phone violation	$1214	$202
Texting while driving	$1214	$207
Passing school bus	$1228	$204
Wrong way/wrong lane	$1436	$244
Operating a vehicle without permission	$1469	$245
At-fault accident - $1000-$2000	$1478	$251
At-fault accident - greater than $2000	$1478	$246
Open container	$1483	$252
Driving with a suspended license	$1719	$286
Reckless driving	$2094	$356
Racing	$2118	$353
Leaving scene of an accident/hit and run	$2126	$362
DUI	$2205	$367
Refusal to submit to a chemical test	$2205	$375

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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 Osos 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 Osos.

The cheapest car insurance premiums in Los Osos are offered by Capital Insurance Group at $635 for a six-month policy. However, it can be as expensive as $583 with companies like AAA.

Los Osos car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$635	$106
Mercury	$908	$153
Progressive	$1204	$203
Wawanesa	$1357	$231
Farmers	$1524	$257
CSAA	$1622	$273
USAA	$1672	$282
Travelers	$1899	$320
Auto Club	$2682	$447
AAA NorCal	$2933	$498
AAA SoCal	$3289	$548
State Farm	$4175	$703
Allstate	$4253	$716
AAA	$583	$99

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 Osos are offered by CSAA at $74. However, it can be as expensive as $2039 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Los Osos after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$74	$12
Capital Insurance Group	$408	$69
Mercury	$876	$147
USAA	$894	$152
Progressive	$899	$151
AAA NorCal	$1034	$176
AAA SoCal	$1431	$239
Allstate	$1816	$309
Farmers	$1891	$315
State Farm	$2020	$343
Travelers	$2039	$340

Car Insurance Price Trends in Los Osos, California

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

The average cost of full coverage in the Los Osos rose by $165 in January compared to $150 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Los Osos rose to $48 in January, compared to $43 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Los Osos?

The car insurance in Los Osos is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Los Osos?

The cheapest car insurance in Los Osos is $84 per month for full coverage.

How much is car insurance in Los Osos for teenagers?

Car insurance for teenagers costs $324 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 Osos?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $163 per month to insure your car in Los Osos.

Is car insurance expensive in Los Osos?

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

Cheapest Car Insurance Quotes in Los Osos

Why you can trust Way?

How Much Is Car Insurance in Los Osos

Avg. Car Insurance in Los Osos

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Los Osos

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Los Osos Car Insurance Rates by Company

Cheap Car Insurance Companies in Los Osos, CA

Way's key takeaways about car insurance in Los Osos

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Los Osos

Cheapest Liability Coverage in Los Osos, CA

Cheapest Full Coverage Car Insurance in Los Osos

Cheapest Full Coverage Car Insurance Quotes in Los Osos, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Los Osos by Rating Factor

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

Car Insurance Premiums by Age in Los Osos

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Osos

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

Los Osos Car Insurance Rates by Violation

Los Osos auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Los Osos after a DUI

Los Osos car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Los Osos after Speeding ticket

Car Insurance Price Trends in Los Osos, California

Average Car Insurance Cost in Los Osos by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Los Osos, CA

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

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