Cheapest Car Insurance Quotes in Menlo Park

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Menlo Park 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 Menlo Park

The car insurance rate in Menlo Park is $1096 for a six-month policy, which is $149 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 Menlo Park 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 Menlo Park

$1096

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Menlo Park

1st place: CSAA

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

2nd place: Mercury

Mercury offers auto insurance rates at $905 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 $920 for six months, making it the third cheapest auto insurance company in Menlo Park.

Menlo Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Menlo Park, CA is CSAA, offering policies at just $565 for a six-month term. This is followed by Mercury, which has an average six-month premium of $905.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Menlo Park drivers find the best deals.

Cheap Car Insurance Companies in Menlo Park, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$565	$95
Mercury	$905	$152
AAA NorCal	$920	$157
Progressive	$920	$155
Wawanesa	$962	$162
USAA	$978	$165
Auto Club	$1003	$171
Allstate	$1118	$188
AAA SoCal	$1181	$201
Kemper	$1250	$209
State Farm	$1338	$225
Travelers	$1495	$249
Farmers	$1500	$255
AAA	$1207	$202

Key Takeaways

Way's key takeaways about car insurance in Menlo Park

The auto insurance costs in Menlo Park fall around $565 for six months.
The cheapest auto insurance company in Menlo Park is CSAA.
Teen drivers pay the highest rate in Menlo Park at $531 per month.

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Cheapest Minimum Liability Car Insurance in Menlo Park

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 Menlo Park are given below.

CSAA provides the cheapest minimum car insurance coverage in Menlo Park. Their Average 6 Month Premium is $136. Travelers is the most expensive at $575 for the same period.

Cheapest Liability Coverage in Menlo Park, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$136	$23
AAA NorCal	$224	$38
USAA	$256	$43
Progressive	$304	$51
Auto Club	$308	$51
Wawanesa	$324	$55
AAA	$371	$62
AAA SoCal	$377	$64
Mercury	$377	$63
State Farm	$413	$70
Allstate	$476	$80
Farmers	$512	$87
Travelers	$575	$96

Cheapest Full Coverage Car Insurance in Menlo Park

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 Menlo Park is CSAA at $95 per month and $565 for six months.

Cheapest Full Coverage Car Insurance Quotes in Menlo Park, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$565	$95
Mercury	$905	$152
AAA NorCal	$920	$157
Progressive	$920	$155
Wawanesa	$962	$162
USAA	$978	$165
Auto Club	$1003	$171
Allstate	$1118	$188
AAA SoCal	$1181	$201
Kemper	$1250	$209
State Farm	$1338	$225
Travelers	$1495	$249
Farmers	$1500	$255
AAA	$1207	$202

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Average Car Insurance in Menlo Park 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 Menlo Park, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Menlo Park, 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, Menlo Park's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Menlo Park

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	$528
30s	Wawanesa	$426
40s	Wawanesa	$426
50s	Wawanesa	$426
60s	Wawanesa	$426
70s	Wawanesa	$417

Cheapest Car Insurance Rates for Teen Drivers in Menlo Park,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Menlo Park at $62 per month. At $3183 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$366	$62
Capital Insurance Group	$460	$77
USAA	$1197	$202
Wawanesa	$1223	$204
Progressive	$1401	$236
Mercury	$1453	$245
CSAA	$1542	$260
Auto Club	$2263	$378
State Farm	$2310	$389
Allstate	$2687	$452
AAA SoCal	$2843	$483
AAA NorCal	$2880	$480
Travelers	$2990	$509
Farmers	$3183	$531

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 Menlo Park.

As young drivers face the highest rates in Menlo Park, Wawanesa offers the cheapest auto insurance rates at $528 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 Menlo Park.

Car Insurance Rates with An Accident in Menlo Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Menlo Park

The cheapest car insurance companies after an at-fault accident in Menlo Park include AAA and Capital Insurance Group, offering $329 and $480, respectively. Allstate is an expensive provider with an average six-month premium of $3037.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
Capital Insurance Group	$480	$82
CSAA	$643	$108
USAA	$1056	$178
Mercury	$1155	$194
Progressive	$1207	$203
Wawanesa	$1359	$226
Auto Club	$1506	$256
Farmers	$1646	$277
AAA NorCal	$1866	$318
AAA SoCal	$2023	$337
State Farm	$2389	$402
Travelers	$2880	$480
Allstate	$3037	$511

Menlo Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Menlo Park CA. For example, the car insurance in Menlo Park 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.

Menlo Park 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

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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 Menlo Park 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 Menlo Park.

The cheapest car insurance premiums in Menlo Park are offered by Capital Insurance Group at $716 for a six-month policy. However, it can be as expensive as $658 with companies like AAA.

Menlo Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$716	$120
Mercury	$1024	$172
Progressive	$1359	$229
Wawanesa	$1531	$260
Farmers	$1720	$290
CSAA	$1830	$308
USAA	$1887	$318
Travelers	$2143	$361
Auto Club	$3026	$504
AAA NorCal	$3309	$562
AAA SoCal	$3711	$619
State Farm	$4710	$793
Allstate	$4799	$808
AAA	$658	$112

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 Menlo Park are offered by CSAA at $84. However, it can be as expensive as $2300 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Menlo Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$84	$14
Capital Insurance Group	$460	$78
Mercury	$988	$166
USAA	$1008	$172
Progressive	$1014	$171
AAA NorCal	$1166	$198
AAA SoCal	$1615	$269
Allstate	$2049	$348
Farmers	$2133	$356
State Farm	$2279	$387
Travelers	$2300	$384

Car Insurance Price Trends in Menlo Park, California

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

The average cost of full coverage in the Menlo Park rose by $187 in January compared to $169 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Menlo Park rose to $54 in January, compared to $48 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Menlo Park?

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

What is the cheapest car insurance in Menlo Park?

The cheapest car insurance in Menlo Park is $95 per month for full coverage.

How much is car insurance in Menlo Park for teenagers?

Car insurance for teenagers costs $366 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 Menlo Park?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $184 per month to insure your car in Menlo Park.

Is car insurance expensive in Menlo Park?

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

Cheapest Car Insurance Quotes in Menlo Park

Why you can trust Way?

How Much Is Car Insurance in Menlo Park

Avg. Car Insurance in Menlo Park

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Menlo Park

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Menlo Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Menlo Park, CA

Way's key takeaways about car insurance in Menlo Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Menlo Park

Cheapest Liability Coverage in Menlo Park, CA

Cheapest Full Coverage Car Insurance in Menlo Park

Cheapest Full Coverage Car Insurance Quotes in Menlo Park, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Menlo Park by Rating Factor

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

Car Insurance Premiums by Age in Menlo Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Menlo Park,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Menlo Park.

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 Menlo Park

Cheapest Car Insurance Companies after an At-Fault Accident in Menlo Park

Menlo Park Car Insurance Rates by Violation

Menlo Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Menlo Park after a DUI

Menlo Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Menlo Park after Speeding ticket

Car Insurance Price Trends in Menlo Park, California

Average Car Insurance Cost in Menlo Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Menlo Park, CA

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

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