Cheapest Car Insurance Quotes in San Geronimo

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San Geronimo Car Insurance

^$ 25

/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 San Geronimo

The car insurance rate in San Geronimo 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 San Geronimo 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 San Geronimo

$1208

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in San Geronimo

1st place: CSAA

At $623 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $997 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 $1014 for six months, making it the third cheapest auto insurance company in San Geronimo.

San Geronimo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Geronimo, 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 San Geronimo drivers find the best deals.

Cheap Car Insurance Companies in San Geronimo, CA

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

Key Takeaways

Way's key takeaways about car insurance in San Geronimo

The auto insurance costs in San Geronimo fall around $623 for six months.
The cheapest auto insurance company in San Geronimo is CSAA.
Teen drivers pay the highest rate in San Geronimo at $585 per month.

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

Cheapest Minimum Liability Car Insurance in San Geronimo

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 San Geronimo are given below.

CSAA provides the cheapest minimum car insurance coverage in San Geronimo. Their Average 6 Month Premium is $149. Travelers is the most expensive at $633 for the same period.

Cheapest Liability Coverage in San Geronimo, CA

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

Cheapest Full Coverage Car Insurance in San Geronimo

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 San Geronimo is CSAA at $105 per month and $623 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Geronimo, CA

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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Average Car Insurance in San Geronimo 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 San Geronimo, CA increasing?

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

Car Insurance Premiums by Age in San Geronimo

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	$582
30s	Wawanesa	$469
40s	Wawanesa	$469
50s	Wawanesa	$469
60s	Wawanesa	$469
70s	Wawanesa	$460

Cheapest Car Insurance Rates for Teen Drivers in San Geronimo,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Geronimo 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

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Geronimo.

As young drivers face the highest rates in San Geronimo, Wawanesa offers the cheapest auto insurance rates at $582 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 San Geronimo.

Car Insurance Rates with An Accident in San Geronimo

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

Cheapest Car Insurance Companies after an At-Fault Accident in San Geronimo

The cheapest car insurance companies after an at-fault accident in San Geronimo 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

San Geronimo Car Insurance Rates by Violation

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

San Geronimo auto insurance quotes by violations

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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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 San Geronimo 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 San Geronimo.

The cheapest car insurance premiums in San Geronimo 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.

San Geronimo car insurance quotes with a DUI

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

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 San Geronimo are offered by CSAA at $92. However, it can be as expensive as $2536 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in San Geronimo after Speeding ticket

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 Price Trends in San Geronimo, California

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

The average cost of full coverage in the San Geronimo 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 San Geronimo rose to $59 in January, compared to $53 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 San Geronimo?

The car insurance in San Geronimo is $25 per month, which is lower than the national average.

What is the cheapest car insurance in San Geronimo?

The cheapest car insurance in San Geronimo is $105 per month for full coverage.

How much is car insurance in San Geronimo 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 San Geronimo?

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 San Geronimo.

Is car insurance expensive in San Geronimo?

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

Cheapest Car Insurance Quotes in San Geronimo

Why you can trust Way?

How Much Is Car Insurance in San Geronimo

Avg. Car Insurance in San Geronimo

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Geronimo

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

San Geronimo Car Insurance Rates by Company

Cheap Car Insurance Companies in San Geronimo, CA

Way's key takeaways about car insurance in San Geronimo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Geronimo

Cheapest Liability Coverage in San Geronimo, CA

Cheapest Full Coverage Car Insurance in San Geronimo

Cheapest Full Coverage Car Insurance Quotes in San Geronimo, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Geronimo by Rating Factor

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

Car Insurance Premiums by Age in San Geronimo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Geronimo,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Geronimo.

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 San Geronimo

Cheapest Car Insurance Companies after an At-Fault Accident in San Geronimo

San Geronimo Car Insurance Rates by Violation

San Geronimo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Geronimo after a DUI

San Geronimo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Geronimo after Speeding ticket

Car Insurance Price Trends in San Geronimo, California

Average Car Insurance Cost in San Geronimo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Geronimo, CA

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

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