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Olema Car Insurance
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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.
The car insurance rate in Olema is $1208 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $623, making it a popular choice for budget-conscious drivers. Rates in Olema 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.
At $623 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.
Mercury offers auto insurance rates at $997 for a six-month policy, making it one of the cheapest to insure with.
AAA NorCal offers auto insurance rates at $1014 for six months, making it the third cheapest auto insurance company in Olema.
Based on our research, the cheapest car insurance company in Olema, CA is CSAA, offering policies at just $623 for a six-month term. This is followed by Mercury, which has an average six-month premium of $997.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1331 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Olema drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| CSAA | $623 | $105 |
| Mercury | $997 | $168 |
| AAA NorCal | $1014 | $173 |
| Progressive | $1014 | $171 |
| Wawanesa | $1060 | $178 |
| USAA | $1078 | $181 |
| Auto Club | $1106 | $188 |
| Allstate | $1233 | $208 |
| AAA SoCal | $1302 | $221 |
| Kemper | $1377 | $230 |
| State Farm | $1475 | $248 |
| Travelers | $1648 | $275 |
| Farmers | $1654 | $281 |
| AAA | $1331 | $222 |
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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 Olema are given below.
CSAA provides the cheapest minimum car insurance coverage in Olema. Their Average 6 Month Premium is $149. Travelers is the most expensive at $633 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| CSAA | $149 | $25 |
| AAA NorCal | $247 | $42 |
| USAA | $282 | $48 |
| Progressive | $335 | $56 |
| Auto Club | $340 | $56 |
| Wawanesa | $357 | $60 |
| AAA | $409 | $68 |
| AAA SoCal | $415 | $71 |
| Mercury | $415 | $70 |
| State Farm | $455 | $77 |
| Allstate | $525 | $88 |
| Farmers | $565 | $96 |
| Travelers | $633 | $106 |
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 Olema is CSAA at $105 per month and $623 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| CSAA | $623 | $105 |
| Mercury | $997 | $168 |
| AAA NorCal | $1014 | $173 |
| Progressive | $1014 | $171 |
| Wawanesa | $1060 | $178 |
| USAA | $1078 | $181 |
| Auto Club | $1106 | $188 |
| Allstate | $1233 | $208 |
| AAA SoCal | $1302 | $221 |
| Kemper | $1377 | $230 |
| State Farm | $1475 | $248 |
| Travelers | $1648 | $275 |
| Farmers | $1654 | $281 |
| AAA | $1331 | $222 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Olema, 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, Olema's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Wawanesa | $582 |
| 30s | Wawanesa | $469 |
| 40s | Wawanesa | $469 |
| 50s | Wawanesa | $469 |
| 60s | Wawanesa | $469 |
| 70s | Wawanesa | $460 |
If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Olema at $69 per month. At $3508 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $404 | $69 |
| Capital Insurance Group | $507 | $84 |
| USAA | $1319 | $222 |
| Wawanesa | $1348 | $225 |
| Progressive | $1544 | $260 |
| Mercury | $1601 | $270 |
| CSAA | $1699 | $286 |
| Auto Club | $2495 | $416 |
| State Farm | $2546 | $429 |
| Allstate | $2961 | $499 |
| AAA SoCal | $3134 | $533 |
| AAA NorCal | $3175 | $529 |
| Travelers | $3296 | $561 |
| Farmers | $3508 | $585 |
Teen Car Insurance Rates in CA by Age
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.
Save up to $971/yr on car insurance rates in Olema.
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 Olema, CA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Olema include AAA and Capital Insurance Group, offering $363 and $530, respectively. Allstate is an expensive provider with an average six-month premium of $3347.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $363 | $60 |
| Capital Insurance Group | $530 | $90 |
| CSAA | $709 | $119 |
| USAA | $1164 | $196 |
| Mercury | $1274 | $214 |
| Progressive | $1331 | $224 |
| Wawanesa | $1498 | $249 |
| Auto Club | $1660 | $282 |
| Farmers | $1815 | $306 |
| AAA NorCal | $2057 | $350 |
| AAA SoCal | $2230 | $372 |
| State Farm | $2634 | $443 |
| Travelers | $3175 | $529 |
| Allstate | $3347 | $564 |
Here is a list of driving violations that can increase your car insurance rates in Olema CA. For example, the car insurance in Olema after a DUI increases to $1688 for a six month policy. While the rate increases by $444 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1054 | $176 |
| Not-at-fault accident | $1054 | $179 |
| One comp claim | $1054 | $176 |
| One Med/PIP claim | $1054 | $179 |
| Two comp claims | $1054 | $176 |
| Two Med/PIP claims | $1054 | $179 |
| At-fault accident - less than $1000 | $1078 | $179 |
| Failure to show documents | $1389 | $236 |
| Driving with expired registration | $1417 | $237 |
| Driving without lights | $1417 | $241 |
| Failure to wear a seat belt | $1423 | $238 |
| Child safety restraint | $1435 | $243 |
| Speeding 11 - 15 MPH over limit | $1492 | $248 |
| Speeding 16 - 20 MPH over limit | $1492 | $254 |
| Driving too slowly | $1498 | $249 |
| Failure to stop at a red light | $1498 | $255 |
| Failure to yield | $1498 | $249 |
| Following too closely | $1498 | $255 |
| Illegal turn | $1498 | $249 |
| In 65 MPH zone | $1498 | $255 |
| Speeding 21 - 25 MPH over limit | $1498 | $249 |
| Speeding 6 - 10 MPH over limit | $1498 | $255 |
| Speeding in school zone | $1498 | $249 |
| Improper passing | $1504 | $256 |
| Cell phone violation | $1509 | $251 |
| Texting while driving | $1509 | $257 |
| Passing school bus | $1527 | $254 |
| Wrong way/wrong lane | $1786 | $304 |
| Operating a vehicle without permission | $1827 | $305 |
| At-fault accident - $1000-$2000 | $1838 | $312 |
| At-fault accident - greater than $2000 | $1838 | $307 |
| Open container | $1844 | $313 |
| Driving with a suspended license | $2138 | $356 |
| Reckless driving | $2604 | $443 |
| Racing | $2634 | $438 |
| Leaving scene of an accident/hit and run | $2644 | $450 |
| DUI | $2742 | $457 |
| Refusal to submit to a chemical test | $2742 | $467 |
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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.
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 Olema.
The cheapest car insurance premiums in Olema are offered by Capital Insurance Group at $790 for a six-month policy. However, it can be as expensive as $726 with companies like AAA.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Capital Insurance Group | $790 | $132 |
| Mercury | $1129 | $190 |
| Progressive | $1498 | $252 |
| Wawanesa | $1688 | $287 |
| Farmers | $1895 | $319 |
| CSAA | $2017 | $340 |
| USAA | $2080 | $350 |
| Travelers | $2362 | $398 |
| Auto Club | $3336 | $556 |
| AAA NorCal | $3647 | $620 |
| AAA SoCal | $4090 | $682 |
| State Farm | $5191 | $874 |
| Allstate | $5289 | $890 |
| AAA | $726 | $123 |
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 Olema are offered by CSAA at $92. However, it can be as expensive as $2536 with companies like Travelers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| CSAA | $92 | $16 |
| Capital Insurance Group | $507 | $86 |
| Mercury | $1089 | $183 |
| USAA | $1112 | $189 |
| Progressive | $1117 | $188 |
| AAA NorCal | $1285 | $218 |
| AAA SoCal | $1780 | $297 |
| Allstate | $2258 | $384 |
| Farmers | $2351 | $392 |
| State Farm | $2512 | $427 |
| Travelers | $2536 | $423 |
Car insurance rates in Olema have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Olema rose by $206 in January compared to $186 of December. In other words, there has been an increase by $20 when you compare January and December.
The average cost of liability insurance in the Olema rose to $59 in January, compared to $53 in December. This represents an increase of $6 when comparing January and December.
How much is car insurance in Olema?
The car insurance in Olema is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Olema?
The cheapest car insurance in Olema is $105 per month for full coverage.
How much is car insurance in Olema for teenagers?
Car insurance for teenagers costs $404 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 Olema?
The average cost of car insurance is $1245 for a six-month policy. It will cost around $203 per month to insure your car in Olema.
Is car insurance expensive in Olema?
Car insurance can be expensive in Olema if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Olema can be affordable.
What is the best car insurance in Olema, CA?
The best car insurance company in Olema CA is CSAA, offering $623 for a six-month policy.
Cut auto insurance costs in Olema right now.