How much does car insurance cost in Livermore, CA? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Livermore typically pay around $142.44 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
California | $150.67 |
Livermore, California | $142.44 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Kemper Auto Premier generally has the most affordable car insurance in Livermore coming in around $88.06 per month. Other companies to consider if you live in Livermore is Mercury Insurance Company with an average cost of $101.79 per month and Dairyland Auto which typically runs around $121.27 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Livermore.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Kemper Auto Premier | $88.06 | -41.55% |
2 | Mercury Insurance Company | $101.79 | -32.44% |
3 | Dairyland Auto | $121.27 | -19.51% |
4 | USAA | $136.95 | -9.11% |
5 | SAFECO | $140.92 | -6.47% |
6 | Esurance | $142.83 | -5.20% |
7 | Mercury | $147.88 | -1.85% |
8 | 21st Century | $150.53 | -0.10% |
9 | Grange | $159.06 | 5.57% |
10 | California Capital | $161.09 | 6.92% |
Rates can vary from city to city. The residents of Anaheim typically pay $147.03 per month while people who live in Bakersfield will pay $144.94 per month on average. See what people pay for car insurance in other cities in California.
California Cities | Monthly Average Rate |
---|---|
Anaheim | $147.03 |
Bakersfield | $144.94 |
Fresno | $142.81 |
Livermore | $142.44 |
Long Beach | $154.77 |
Los Angeles | $175.66 |
Oakland | $179.29 |
Pasadena | $146.97 |
Riverside | $147.07 |
Sacramento | $153.60 |
San Bernardino | $153.37 |
San Diego | $133.07 |
San Francisco | $172.74 |
San Jose | $151.60 |
Santa Barbara | $139.47 |
Stockton | $147.63 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Livermore, CA ZIP Code | Average Monthly Rate |
---|---|
94550 | $149.75 |
94551 | $134.51 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $178.94 per month in Livermore. Compare that to drivers in their 30’s who typically pay around $142.14 per month drivers in their 40s at $110.39 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
20s | $178.94 |
40s | $119.63 |
30s | $142.14 |
70+ | $110.39 |
50s | $125.06 |
16-19 | $213.95 |
60s | $115.78 |
If you are teen in Livermore you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Mercury Insurance Company typically charges around $107.15 per month. This is likely the most affordable option in Livermore. You might also want to consider 21st Century and USAA who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Mercury Insurance Company | $107.15 |
21st Century | $174.17 |
USAA | $192.60 |
Dairyland Auto | $206.01 |
State Farm | $226.35 |
20 year-olds in Livermore might want to consider Infinity Special who, on average, offers car insurance rates around $76.98 per month. Allied , Mercury Insurance Company , Kemper Auto Premier and Dairyland Auto are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Infinity Special | $76.98 |
Allied | $89.92 |
Mercury Insurance Company | $92.59 |
Kemper Auto Premier | $113.98 |
Dairyland Auto | $120.66 |
If you are in your 30s in Livermore our research has found that Mercury Insurance Company typically has the most affordable coverage coming in around $69.40 per month, followed by Kemper Auto Premier at $70.57 and Dairyland Auto at $80.09.
Company | Average Monthly Rate |
---|---|
Mercury Insurance Company | $69.40 |
Kemper Auto Premier | $70.57 |
Dairyland Auto | $80.09 |
Esurance | $117.54 |
USAA | $119.49 |
On average, Kemper Auto Premier offers car insurance for 40 year-olds in Livermore for around $75.98 per month. If you are looking for affordable coverage, you may also want to consider Esurance or Mercury Insurance Company. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Kemper Auto Premier | $75.98 |
Esurance | $104.64 |
Mercury Insurance Company | $108.31 |
USAA | $127.33 |
Mercury | $128.35 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Livermore we found that Kemper Auto Premier generally offers the most affordable coverage at $83.31 per month.
Company | Average Monthly Rate |
---|---|
Kemper Auto Premier | $83.31 |
Mercury | $118.58 |
21st Century | $134.85 |
USAA | $135.11 |
Esurance | $137.78 |
If you live in Livermore and you’re in your 60s, our data indicates that Esurance usually has the best rates at $91.43 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Esurance | $91.43 |
State Farm | $93.24 |
21st Century | $95.36 |
CSAA | $97.14 |
Mercury | $97.21 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Livermore, the average monthly rate for a driver who is currently insured is $131.66 while drivers who are not currently covered will pay around $148.35.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $148.35 |
Currently Insured | $131.66 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Livermore a driver of a 2014 Honda Cr-V can expect to pay around $107.82 per month while someone that owns a 2007 Volkswagen Jetta may pay around $397.88 per month. Check out the list of recent quotes in Livermore below.
Vehicle | Average Monthly Rate |
---|---|
2014 Honda Cr-V | $107.82 |
2007 Volkswagen Jetta | $397.88 |
2015 Honda Civic | $84.06 |
2020 Bmw X3 | $121.04 |
2020 Chevrolet Camaro | $185.17 |
2013 Mercedes-Benz C | $52.55 |
2007 Lexus ES | $85.38 |
2020 Honda Cr-V | $86.75 |
2014 Honda Accord | $100.97 |
2014 Ford Edge | $999.74 |
What Is the Minimum Liability Coverage Requirement in Livermore, CA?
Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!
What Is the Blood Alcohol Concentration (BAC) limit in Livermore, CA?
It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:
What are the chemical test refusal penalties in California?
According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.
Check Out Other Rates in Livermore, CA Nearby Cities:
Commute Time in Livermore, CA
31.6 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Livermore, CA
201 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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