Cheapest and Best Car Insurance Companies in San Mateo, CA

The cheapest company in San Mateo, CA, for a minimum coverage policy based on the latest quotes collected for 2023, is National General. The best overall is State Farm, which balances customer satisfaction and affordability.

The cheapest insurance will depend on your needs and profile. Based on MoneyGeek’s research, State Farm is San Mateo’s best overall car insurance provider, the least expensive for minimum coverage and the most affordable for teens. National General is the cheapest for full coverage and drivers with offenses. Chubb offers the best customer service, and USAA is the cheapest for current and former military members.

Cheapest + BestCar InsuranceSan Mateo

2023

Cheapest and Best Car Insurance in San Mateo, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - State Farm

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in San Mateo

The most affordable car insurance companies for a minimum coverage policy in San Mateo, California, are:

GEICO: $370 per year
State Farm: $403 per year

GEICO offers the cheapest minimum coverage car insurance policy in the city at $370 per year. It balances affordability, claims management and customer satisfaction for its policyholders.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$305	$25
GEICO	$366	$30
GEICO	$370	$31
State Farm	$403	$34
GEICO	$436	$36
CSAA	$442	$37
Mercury	$442	$37
CSAA	$448	$37
Mercury	$453	$38
State Farm	$461	$38
Progressive	$478	$40
Progressive	$481	$40
CSAA	$486	$41
Travelers	$526	$44
Travelers	$527	$44
Nationwide	$529	$44
Kemper	$534	$45
State National	$547	$46
Nationwide	$549	$46
Mercury	$550	$46
Hartford	$559	$47
State National	$562	$47
Progressive	$566	$47
National General	$569	$47
National General	$586	$49
Travelers	$600	$50
Farmers	$610	$51
Allstate	$612	$51
Allstate	$614	$51
Kemper	$617	$51
Capital Insurance Group	$625	$52
Farmers	$629	$52
Hartford	$637	$53
Capital Insurance Group	$647	$54
Allstate	$663	$55
State National	$665	$55
Chubb	$671	$56
Chubb	$690	$58
Nationwide	$694	$58
National General	$701	$58
Farmers	$714	$59
Capital Insurance Group	$726	$61
State Farm	$777	$65
Kemper	$813	$68
Hartford	$815	$68
National General	$921	$77
National General	$936	$78
GEICO	$947	$79
Chubb	$953	$79
GEICO	$978	$81
State Farm	$994	$83
Progressive	$1,045	$87
Progressive	$1,050	$88
Allstate	$1,070	$89
Mercury	$1,076	$90
Mercury	$1,100	$92
National General	$1,119	$93
Allstate	$1,121	$93
GEICO	$1,128	$94
State Farm	$1,163	$97
Hartford	$1,167	$97
State National	$1,195	$100
Nationwide	$1,239	$103
Allstate	$1,244	$104
CSAA	$1,251	$104
CSAA	$1,257	$105
Progressive	$1,260	$105
State National	$1,284	$107
Capital Insurance Group	$1,289	$107
Travelers	$1,332	$111
Hartford	$1,338	$111
Kemper	$1,338	$112
Nationwide	$1,348	$112
Capital Insurance Group	$1,367	$114
CSAA	$1,373	$114
Travelers	$1,391	$116
Mercury	$1,421	$118
Capital Insurance Group	$1,539	$128
Farmers	$1,562	$130
State National	$1,583	$132
Farmers	$1,595	$133
Kemper	$1,641	$137
Travelers	$1,650	$138
Chubb	$1,656	$138
Chubb	$1,710	$143
Hartford	$1,720	$143
Nationwide	$1,764	$147
Farmers	$1,893	$158
Kemper	$1,993	$166
Chubb	$2,433	$203

In California, car insurance policies must meet the state's mandatory liability limits for bodily injury liability and property damage liability to qualify for minimum coverage.

The amounts are as follows:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

Liability coverage is essential to protect you financially if you cause damage or injury to others. Minimum coverage insurance in California will only pay $15,000 per injured person, up to $30,000 per accident, regardless of how many people are injured.

Cheapest Full Coverage Car Insurance in San Mateo

The cheapest car insurance companies for a full coverage policy in San Mateo, California, are

National General: $921 per year
GEICO: $978 per year

Chubb provides the area’s most expensive car insurance policy with an annual premium of $1,656.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$305	$25
GEICO	$366	$30
GEICO	$370	$31
State Farm	$403	$34
GEICO	$436	$36
CSAA	$442	$37
Mercury	$442	$37
CSAA	$448	$37
Mercury	$453	$38
State Farm	$461	$38
Progressive	$478	$40
Progressive	$481	$40
CSAA	$486	$41
Travelers	$526	$44
Travelers	$527	$44
Nationwide	$529	$44
Kemper	$534	$45
State National	$547	$46
Nationwide	$549	$46
Mercury	$550	$46
Hartford	$559	$47
State National	$562	$47
Progressive	$566	$47
National General	$569	$47
National General	$586	$49
Travelers	$600	$50
Farmers	$610	$51
Allstate	$612	$51
Allstate	$614	$51
Kemper	$617	$51
Capital Insurance Group	$625	$52
Farmers	$629	$52
Hartford	$637	$53
Capital Insurance Group	$647	$54
Allstate	$663	$55
State National	$665	$55
Chubb	$671	$56
Chubb	$690	$58
Nationwide	$694	$58
National General	$701	$58
Farmers	$714	$59
Capital Insurance Group	$726	$61
State Farm	$777	$65
Kemper	$813	$68
Hartford	$815	$68
National General	$921	$77
National General	$936	$78
GEICO	$947	$79
Chubb	$953	$79
GEICO	$978	$81
State Farm	$994	$83
Progressive	$1,045	$87
Progressive	$1,050	$88
Allstate	$1,070	$89
Mercury	$1,076	$90
Mercury	$1,100	$92
National General	$1,119	$93
Allstate	$1,121	$93
GEICO	$1,128	$94
State Farm	$1,163	$97
Hartford	$1,167	$97
State National	$1,195	$100
Nationwide	$1,239	$103
Allstate	$1,244	$104
CSAA	$1,251	$104
CSAA	$1,257	$105
Progressive	$1,260	$105
State National	$1,284	$107
Capital Insurance Group	$1,289	$107
Travelers	$1,332	$111
Hartford	$1,338	$111
Kemper	$1,338	$112
Nationwide	$1,348	$112
Capital Insurance Group	$1,367	$114
CSAA	$1,373	$114
Travelers	$1,391	$116
Mercury	$1,421	$118
Capital Insurance Group	$1,539	$128
Farmers	$1,562	$130
State National	$1,583	$132
Farmers	$1,595	$133
Kemper	$1,641	$137
Travelers	$1,650	$138
Chubb	$1,656	$138
Chubb	$1,710	$143
Hartford	$1,720	$143
Nationwide	$1,764	$147
Farmers	$1,893	$158
Kemper	$1,993	$166
Chubb	$2,433	$203

A full coverage car insurance policy includes comprehensive and collision insurance.

Comprehensive coverage: Protects against damages caused by theft, natural disasters, vandalism and fire.
Collision coverage: Protects against damages caused by hitting another car or object.

Though full coverage policies provide more protection for your vehicle, they may not be worth the cost for older low-value cars. In some cases, the policy can cost more than the car’s value.

Cheapest Car Insurance in San Mateo After a Driving Offense

The cheapest car insurance company for those with driving violations in San Mateo is National General.

Speeding ticket: National General ($968 per year)
At-fault accident: National General ($1,367 per year)
DUI: National General ($968 per year)

Nationwide offers the most expensive car insurance for drivers with speeding tickets at $2,330. Hartford provides the most costly insurance for drivers after a DUI at $4,817 yearly. Kemper’s offers a $2,955 yearly premium after an at-fault accident is the least affordable.

Car insurance providers calculate insurance premiums based on various factors, including a driver's history of accidents and traffic violations. Motorists with poor driving records are considered riskier and typically face higher premiums.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
State Farm	$463	$39
State Farm	$484	$40
CSAA	$550	$46
CSAA	$550	$46
GEICO	$557	$46
CSAA	$558	$46
CSAA	$558	$46
GEICO	$564	$47
Mercury	$566	$47
Mercury	$580	$48
National General	$601	$50
National General	$601	$50
CSAA	$606	$51
CSAA	$606	$51
State Farm	$612	$51
National General	$619	$52
National General	$619	$52
State Farm	$639	$53
GEICO	$657	$55
GEICO	$663	$55
GEICO	$664	$55
Capital Insurance Group	$690	$58
State Farm	$698	$58
Mercury	$707	$59
Mercury	$709	$59
Kemper	$711	$59
Capital Insurance Group	$715	$60
Mercury	$726	$61
Capital Insurance Group	$728	$61
State Farm	$730	$61
National General	$741	$62
National General	$741	$62
Capital Insurance Group	$754	$63
State National	$771	$64
State National	$771	$64
GEICO	$781	$65
Mercury	$786	$66
State National	$795	$66
State National	$795	$66
Hartford	$798	$67
Hartford	$798	$67
Travelers	$800	$67
Travelers	$802	$67
Capital Insurance Group	$804	$67
Mercury	$806	$67
Nationwide	$817	$68
Kemper	$822	$68
Farmers	$829	$69
Farmers	$829	$69
Capital Insurance Group	$848	$71
Nationwide	$849	$71
Allstate	$850	$71
Allstate	$852	$71
National General	$854	$71
Progressive	$855	$71
Farmers	$855	$71
Farmers	$855	$71
Chubb	$857	$71
Progressive	$860	$72
GEICO	$877	$73
Chubb	$877	$73
National General	$881	$73
Travelers	$884	$74
Mercury	$885	$74
Travelers	$886	$74
GEICO	$887	$74
Nationwide	$907	$76
Hartford	$921	$77
Hartford	$921	$77
Allstate	$925	$77
Travelers	$926	$77
Progressive	$939	$78
State National	$944	$79
State National	$944	$79
Nationwide	$944	$79
Progressive	$946	$79
State Farm	$953	$79
National General	$968	$81
National General	$968	$81
Farmers	$971	$81
Farmers	$971	$81
Allstate	$978	$82
Allstate	$981	$82
National General	$983	$82
National General	$983	$82
Mercury	$987	$82
Progressive	$1,015	$85
Progressive	$1,022	$85
Travelers	$1,022	$85
Progressive	$1,027	$86
Farmers	$1,036	$86
Chubb	$1,037	$86
GEICO	$1,045	$87
National General	$1,057	$88
Chubb	$1,058	$88
Allstate	$1,067	$89
Farmers	$1,068	$89
Travelers	$1,072	$89
Travelers	$1,075	$90
Nationwide	$1,077	$90
Capital Insurance Group	$1,083	$90
Kemper	$1,084	$90
Capital Insurance Group	$1,124	$94
Progressive	$1,126	$94
Chubb	$1,140	$95
State Farm	$1,150	$96
National General	$1,176	$98
National General	$1,176	$98
Nationwide	$1,200	$100
State Farm	$1,205	$100
Hartford	$1,207	$101
Hartford	$1,207	$101
Farmers	$1,214	$101
Kemper	$1,217	$101
Kemper	$1,217	$101
Progressive	$1,221	$102
Travelers	$1,245	$104
State Farm	$1,260	$105
Capital Insurance Group	$1,264	$105
Chubb	$1,320	$110
Chubb	$1,339	$112
Chubb	$1,358	$113
National General	$1,367	$114
State National	$1,388	$116
National General	$1,389	$116
GEICO	$1,417	$118
Mercury	$1,417	$118
State National	$1,431	$119
State Farm	$1,440	$120
Nationwide	$1,440	$120
Mercury	$1,449	$121
GEICO	$1,464	$122
Capital Insurance Group	$1,472	$123
State Farm	$1,473	$123
Kemper	$1,480	$123
Kemper	$1,480	$123
Nationwide	$1,500	$125
CSAA	$1,516	$126
Capital Insurance Group	$1,517	$126
CSAA	$1,538	$128
State Farm	$1,542	$128
Allstate	$1,548	$129
Capital Insurance Group	$1,564	$130
CSAA	$1,582	$132
CSAA	$1,582	$132
GEICO	$1,590	$133
CSAA	$1,592	$133
CSAA	$1,592	$133
Capital Insurance Group	$1,611	$134
Chubb	$1,620	$135
Allstate	$1,626	$135
GEICO	$1,640	$137
National General	$1,664	$139
CSAA	$1,677	$140
GEICO	$1,688	$141
State National	$1,696	$141
State National	$1,696	$141
State National	$1,712	$143
State Farm	$1,722	$144
Hartford	$1,730	$144
Hartford	$1,730	$144
CSAA	$1,736	$145
CSAA	$1,736	$145
Allstate	$1,742	$145
Allstate	$1,750	$146
Capital Insurance Group	$1,764	$147
Mercury	$1,772	$148
Kemper	$1,778	$148
State Farm	$1,804	$150
Allstate	$1,812	$151
Mercury	$1,813	$151
Capital Insurance Group	$1,816	$151
State National	$1,824	$152
State National	$1,824	$152
Kemper	$1,860	$155
Kemper	$1,860	$155
Mercury	$1,878	$157
Hartford	$1,889	$157
GEICO	$1,894	$158
Mercury	$1,896	$158
Allstate	$1,910	$159
Nationwide	$1,914	$159
Allstate	$1,918	$160
Nationwide	$1,918	$160
Mercury	$1,936	$161
Progressive	$1,964	$164
Progressive	$1,973	$164
Hartford	$1,994	$166
Hartford	$1,994	$166
Travelers	$2,011	$168
Allstate	$2,024	$169
Nationwide	$2,090	$174
Travelers	$2,097	$175
Nationwide	$2,136	$178
Progressive	$2,137	$178
Progressive	$2,143	$179
Farmers	$2,154	$179
Farmers	$2,154	$179
Chubb	$2,169	$181
Kemper	$2,181	$182
Farmers	$2,202	$184
Farmers	$2,202	$184
Hartford	$2,219	$185
Chubb	$2,222	$185
Travelers	$2,227	$186
GEICO	$2,242	$187
State National	$2,252	$188
State National	$2,252	$188
Allstate	$2,265	$189
Capital Insurance Group	$2,303	$192
GEICO	$2,316	$193
Travelers	$2,318	$193
Nationwide	$2,330	$194
Mercury	$2,347	$196
Progressive	$2,379	$198
State Farm	$2,381	$198
Progressive	$2,421	$202
Progressive	$2,425	$202
Capital Insurance Group	$2,448	$204
Mercury	$2,504	$209
Travelers	$2,508	$209
Progressive	$2,589	$216
Hartford	$2,589	$216
Hartford	$2,589	$216
Farmers	$2,614	$218
Farmers	$2,614	$218
Kemper	$2,653	$221
Chubb	$2,662	$222
GEICO	$2,674	$223
Farmers	$2,691	$224
Chubb	$2,714	$226
Nationwide	$2,746	$229
Farmers	$2,752	$229
Capital Insurance Group	$2,762	$230
Travelers	$2,779	$232
Travelers	$2,786	$232
Travelers	$2,909	$242
Progressive	$2,933	$244
Chubb	$2,944	$245
Kemper	$2,955	$246
Kemper	$2,955	$246
Hartford	$2,988	$249
State Farm	$3,049	$254
Nationwide	$3,065	$255
State National	$3,155	$263
Farmers	$3,267	$272
Allstate	$3,357	$280
Nationwide	$3,398	$283
State National	$3,399	$283
Chubb	$3,437	$286
Chubb	$3,484	$290
Travelers	$3,510	$293
Chubb	$3,536	$295
Allstate	$3,541	$295
State Farm	$3,565	$297
Nationwide	$3,710	$309
Kemper	$3,731	$311
Kemper	$3,731	$311
Allstate	$3,963	$330
Hartford	$4,141	$345
State National	$4,212	$351
Chubb	$4,260	$355
Kemper	$4,419	$368
Kemper	$4,419	$368
CSAA	$4,459	$372
CSAA	$4,484	$374
Hartford	$4,817	$401
Nationwide	$4,897	$408
CSAA	$4,901	$408
Hartford	$6,365	$530

Insurance rates for motorists with driving offenses increase in relation to the severity of the offense. Rates in San Mateo go up an average of $549 after a speeding ticket and $1,854 after a DUI. Drivers with bad records can find the best rates by shopping around.

Cheapest Car Insurance in San Mateo for Teens and Their Families

The most affordable car insurance providers for teens on a family policy in San Mateo, California. are

State Farm: $2,296 per year for female and male teens
GEICO: $2,832 per year for female teens
Farmers: $$2,893 per year for male teens

Nationwide provides the least affordable insurance for teens, costing $4,797 per year for female or male teens. It is common for car insurance premiums to be more expensive for male teenagers because statistics show they are at higher risk for accidents. However, the gender-based price difference drops off in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,251	$2,005
GEICO	$1,281	$2,053
GEICO	$1,283	$2,261
GEICO	$1,297	$2,157
GEICO	$1,312	$2,103
GEICO	$1,319	$2,324
GEICO	$1,338	$2,455
GEICO	$1,355	$2,387
GEICO	$1,486	$2,215
GEICO	$1,535	$2,529
Progressive	$1,581	$2,499
Progressive	$1,581	$2,499
State Farm	$1,585	$2,320
State Farm	$1,585	$2,320
Allstate	$1,598	$2,585
Allstate	$1,598	$2,585
State Farm	$1,649	$2,414
State Farm	$1,649	$2,414
Nationwide	$1,667	$3,453
Nationwide	$1,667	$3,453
Allstate	$1,673	$2,706
Allstate	$1,673	$2,706
State Farm	$1,678	$2,619
State Farm	$1,678	$2,619
State Farm	$1,687	$2,470
State Farm	$1,687	$2,470
Capital Insurance Group	$1,688	$2,163
Capital Insurance Group	$1,688	$2,163
Progressive	$1,712	$2,705
Progressive	$1,712	$2,705
Allstate	$1,715	$3,006
Allstate	$1,715	$3,006
Allstate	$1,733	$2,803
Allstate	$1,733	$2,803
Kemper	$1,734	$3,497
Kemper	$1,734	$3,497
State Farm	$1,797	$2,670
State Farm	$1,797	$2,670
Nationwide	$1,828	$3,786
Nationwide	$1,828	$3,786
Progressive	$1,831	$3,343
Progressive	$1,831	$3,343
Kemper	$1,832	$3,693
Kemper	$1,832	$3,693
Allstate	$1,839	$3,020
Allstate	$1,839	$3,020
Nationwide	$1,886	$4,330
Nationwide	$1,886	$4,330
State Farm	$1,908	$2,973
State Farm	$1,908	$2,973
GEICO	$1,912	$3,219
Progressive	$1,918	$3,031
Progressive	$1,918	$3,031
Capital Insurance Group	$1,922	$2,562
Capital Insurance Group	$1,922	$2,562
State Farm	$1,926	$2,860
State Farm	$1,926	$2,860
Kemper	$1,928	$4,342
Kemper	$1,928	$4,342
Nationwide	$1,960	$4,058
Nationwide	$1,960	$4,058
Farmers	$1,981	$2,831
Farmers	$1,981	$2,831
GEICO	$1,987	$3,713
Kemper	$1,992	$4,017
Kemper	$1,992	$4,017
Capital Insurance Group	$1,999	$2,562
Capital Insurance Group	$1,999	$2,562
Capital Insurance Group	$1,999	$2,562
Capital Insurance Group	$1,999	$2,562
Travelers	$2,016	$2,726
Travelers	$2,016	$2,726
Travelers	$2,087	$2,822
Travelers	$2,087	$2,822
GEICO	$2,091	$3,118
Allstate	$2,108	$3,849
Allstate	$2,108	$3,849
State Farm	$2,121	$3,770
State Farm	$2,121	$3,770
Travelers	$2,130	$3,028
Travelers	$2,130	$3,028
Allstate	$2,143	$3,520
Allstate	$2,143	$3,520
GEICO	$2,174	$3,584
Travelers	$2,175	$2,941
Travelers	$2,175	$2,941
Nationwide	$2,208	$4,747
Nationwide	$2,208	$4,747
Farmers	$2,218	$3,284
Farmers	$2,218	$3,284
Capital Insurance Group	$2,232	$2,882
Capital Insurance Group	$2,232	$2,882
Kemper	$2,233	$4,604
Kemper	$2,233	$4,604
State Farm	$2,248	$3,997
State Farm	$2,248	$3,997
Progressive	$2,271	$3,667
Progressive	$2,271	$3,667
State Farm	$2,296	$4,478
State Farm	$2,296	$4,478
Farmers	$2,298	$3,284
Farmers	$2,298	$3,284
Farmers	$2,298	$3,284
Farmers	$2,298	$3,284
Capital Insurance Group	$2,314	$2,882
Capital Insurance Group	$2,314	$2,882
Travelers	$2,376	$3,178
Travelers	$2,376	$3,178
Kemper	$2,419	$4,987
Kemper	$2,419	$4,987
Kemper	$2,439	$5,498
Kemper	$2,439	$5,498
Capital Insurance Group	$2,478	$3,200
Capital Insurance Group	$2,478	$3,200
Farmers	$2,481	$3,765
Farmers	$2,481	$3,765
Travelers	$2,579	$3,667
Travelers	$2,579	$3,667
Travelers	$2,618	$3,502
Travelers	$2,618	$3,502
GEICO	$2,641	$4,655
Farmers	$2,682	$4,336
Farmers	$2,682	$4,336
Farmers	$2,707	$4,107
Farmers	$2,707	$4,107
Nationwide	$2,721	$6,562
Nationwide	$2,721	$6,562
GEICO	$2,769	$5,411
Allstate	$2,813	$5,535
Allstate	$2,813	$5,535
Farmers	$2,823	$5,587
Farmers	$2,823	$5,587
Progressive	$2,832	$5,189
Progressive	$2,832	$5,189
GEICO	$2,832	$5,198
Farmers	$2,893	$5,844
Farmers	$2,893	$5,844
Farmers	$2,902	$5,743
Farmers	$2,902	$5,743
Nationwide	$2,903	$6,240
Nationwide	$2,903	$6,240
GEICO	$2,904	$5,119
Allstate	$2,914	$5,830
Allstate	$2,914	$5,830
Allstate	$2,964	$5,830
Allstate	$2,964	$5,830
GEICO	$2,985	$6,117
Progressive	$3,009	$4,858
Progressive	$3,009	$4,858
GEICO	$3,057	$5,975
Capital Insurance Group	$3,180	$3,960
Capital Insurance Group	$3,180	$3,960
Capital Insurance Group	$3,180	$3,960
Capital Insurance Group	$3,180	$3,960
Capital Insurance Group	$3,180	$3,960
Capital Insurance Group	$3,180	$3,960
Progressive	$3,268	$6,597
Progressive	$3,268	$6,597
Progressive	$3,289	$6,655
Progressive	$3,289	$6,655
Progressive	$3,302	$6,665
Progressive	$3,302	$6,665
Travelers	$3,446	$4,624
Travelers	$3,446	$4,624
Travelers	$3,600	$4,830
Travelers	$3,600	$4,830
Travelers	$3,608	$5,069
Travelers	$3,608	$5,069
Kemper	$3,680	$7,507
Kemper	$3,680	$7,507
Kemper	$4,031	$8,224
Kemper	$4,031	$8,224
Kemper	$4,068	$9,167
Kemper	$4,068	$9,167
Nationwide	$4,133	$8,872
Nationwide	$4,133	$8,872
Nationwide	$4,648	$9,975
Nationwide	$4,648	$9,975
Nationwide	$4,797	$12,039
Nationwide	$4,797	$12,039

Adding a teen to a family policy is generally more budget-friendly than obtaining a separate policy. In San Mateo, families can save an average of $673 this way. Assess all the available options and consider the factors influencing insurance premiums when searching for inexpensive car insurance for young teens.

Cheapest Car Insurance in San Mateo for Military Drivers

The following offer the cheapest full coverage car insurance for current or former military members and their families in San Mateo, California:

USAA: $848 per year
National General: $921 per year

USAA serves active or former military personnel exclusively. The company has a reputation for delivering a balanced blend of affordability, stability and customer satisfaction. USAA and GEICO offer the cheapest minimum coverage policies at $369 and $370, respectively.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$305	$25
GEICO	$366	$30
USAA	$369	$31
USAA	$369	$31
GEICO	$370	$31
State Farm	$403	$34
GEICO	$436	$36
CSAA	$442	$37
Mercury	$442	$37
USAA	$447	$37
CSAA	$448	$37
Mercury	$453	$38
State Farm	$461	$38
Progressive	$478	$40
Progressive	$481	$40
CSAA	$486	$41
Travelers	$526	$44
Travelers	$527	$44
Nationwide	$529	$44
Kemper	$534	$45
State National	$547	$46
Nationwide	$549	$46
Mercury	$550	$46
Hartford	$559	$47
State National	$562	$47
Progressive	$566	$47
National General	$569	$47
National General	$586	$49
Travelers	$600	$50
Farmers	$610	$51
Allstate	$612	$51
Allstate	$614	$51
Kemper	$617	$51
Capital Insurance Group	$625	$52
Farmers	$629	$52
Hartford	$637	$53
Capital Insurance Group	$647	$54
Allstate	$663	$55
State National	$665	$55
Chubb	$671	$56
Chubb	$690	$58
Nationwide	$694	$58
National General	$701	$58
Farmers	$714	$59
Capital Insurance Group	$726	$61
State Farm	$777	$65
Kemper	$813	$68
Hartford	$815	$68
USAA	$827	$69
USAA	$848	$71
National General	$921	$77
National General	$936	$78
GEICO	$947	$79
Chubb	$953	$79
GEICO	$978	$81
State Farm	$994	$83
USAA	$1,015	$85
Progressive	$1,045	$87
Progressive	$1,050	$88
Allstate	$1,070	$89
Mercury	$1,076	$90
Mercury	$1,100	$92
National General	$1,119	$93
Allstate	$1,121	$93
GEICO	$1,128	$94
State Farm	$1,163	$97
Hartford	$1,167	$97
State National	$1,195	$100
Nationwide	$1,239	$103
Allstate	$1,244	$104
CSAA	$1,251	$104
CSAA	$1,257	$105
Progressive	$1,260	$105
State National	$1,284	$107
Capital Insurance Group	$1,289	$107
Travelers	$1,332	$111
Hartford	$1,338	$111
Kemper	$1,338	$112
Nationwide	$1,348	$112
Capital Insurance Group	$1,367	$114
CSAA	$1,373	$114
Travelers	$1,391	$116
Mercury	$1,421	$118
Capital Insurance Group	$1,539	$128
Farmers	$1,562	$130
State National	$1,583	$132
Farmers	$1,595	$133
Kemper	$1,641	$137
Travelers	$1,650	$138
Chubb	$1,656	$138
Chubb	$1,710	$143
Hartford	$1,720	$143
Nationwide	$1,764	$147
Farmers	$1,893	$158
Kemper	$1,993	$166
Chubb	$2,433	$203

How to Compare Cheap San Mateo Car Insurance Quotes Online

Obtaining an online car insurance quote can take more than 15 minutes and requires inputting a good amount of personal information. MoneyGeek’s car insurance calculator can give you a quick estimate of your rates. All it needs is your age, vehicle type, level of coverage and driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in San Mateo: Summary

The best car insurance will depend on your needs in terms of price, available coverage options and the level of customer service you prefer. MoneyGeek’s picks for several of these categories are as follows:

Best overall: State Farm (MoneyGeek score of 73 out of 100)
Best for service: USAA (MoneyGeek score of 85 out of 100)
Best cheap: GEICO (MoneyGeek score of 75 out of 100)

A company’s MoneyGeek score can vary based on how we weigh certain factors in different categories. From a statewide perspective, CSAA offers the best car insurance in California.

Best Overall Car Insurance in San Mateo

The best car insurance companies in San Mateo are:

State Farm: MoneyGeek score of 73 out of 100 ($994 per year)
GEICO: MoneyGeek score of 73 out of 100 ($978 per year)

Both companies score high for affordability and customer satisfaction. With an annual premium of $848 and a MoneyGeek score of 85, USAA is a great option for those with military ties.

How was this MoneyGeek score calculated?

pros

High affordability rating

Good customer satisfaction rating

Roadside assistance

Rental car/travel reimbursement

cons

Limited coverage options

COMPANY HIGHLIGHTS

State Farm is the leading car insurance provider in San Mateo due to its reputation for providing quality service at a reasonable price. It receives positive customer feedback for its overall performance, customer service and claims handling.

The company’s rental car/travel reimbursement add-on covers expenses related to car rentals while your car is serviced for a covered incident, up to a selected limit. It also reimburses up to $500 for travel expenses (lodging, meals and transportation) and up to $500 of the deductible if you are held responsible for an accident involving your rental vehicle.

Roadside assistance offers coverage for several services, including mechanical labor for up to an hour at the site of the car's breakdown. But, it does not cover the cost of the gas, oil, batteries, or tires.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in San Mateo for Customer Service

The insurance companies offering the best customer service in Ssan Mateo are:

Chubb: MoneyGeek score of 76 out of 100 ($1,656 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,367 per year)

Chubb scored high in customer satisfaction and claims handling. Capital Insurance Group slightly outperformed the former in customer satisfaction. Car insurance companies that invest in staff training to improve customer service often charge higher premiums. Choosing an insurer that prioritizes customer service can be advantageous, but it may also result in higher costs.

How was this MoneyGeek score calculated?

pros

Excellent customer service rating

Good claims experience rating

Rental car/travel reimbursement

Original equipment manufacturer (OEM) coverage

cons

Limited coverage offerings

COMPANY HIGHLIGHTS

Chubb is MoneyGeek’s pick for having the best customer service in San Mateo. This company’s commitment to providing exceptional customer service has consistently earned it high marks in customer satisfaction surveys, making it the go-to choice for drivers seeking a superior customer experience.

Chubb offers rental car Reimbursement coverage with optional coverage limits up to $5,000 and with no per-day limit, enabling policyholders to rent a car similar to their own. Chubb pays for the use of original equipment manufacturer (OEM) parts and procedures when repairing your vehicle after a coverage incident. Using OEM parts helps guarantee the proper performance of a car’s safety systems in the event of another accident. This is a coverage most insurers don’t offer.

Best Cheap Car Insurance in San Mateo

We considered the affordability and quality of service of California car insurance providers who offer policies that meet the state's minimum insurance requirements.

The best insurance companies for minimum coverage in San Mateo are:

GEICO: MoneyGeek score of 78 out of 100 ($370 per year)
State Farm: MoneyGeek score of 74 out of 100 ($403 per year)

While minimum coverage policies come with cheaper insurance rates, they only offer limited liability protection and don’t cover damages to your car.

How was this MoneyGeek score calculated?

pros

Affordable car insurance policy at $370

Average customer satisfaction rating

Bundling discount

Daytime running lights discount

cons

Limited coverage options

COMPANY HIGHLIGHTS

GEICO offers affordable rates without sacrificing coverage. This insurer has discounts for bundling, good grades and insuring multiple cars. It also offers rarer discounts, like for vehicles with daytime running lights. It also provides a discount to policyholders who have cars equipped with automatic seatbelts or factory-installed airbags, encouraging safer driving habits and helping to reduce injuries in the event of an accident.

If you’re a driver over 50, a teacher, a student with good grades or an active or retired member of the military, you qualify for a discount on your GEICO car insurance policy. GEICO also offers discounts to active and retired federal employees and their immediate family members. The discount percentage may vary based on the employee's position and other factors.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in San Mateo

The average cost of auto insurance in San Mateo for full coverage is $1,249 per year. Prices are for a policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The city’s average car insurance cost is $138 less than the average full coverage cost in California as of October 2022. The national average car insurance premium costs $1,265 annually. Car insurance providers consider location and other factors when determining costs.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance Companies in San Mateo, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in San Mateo

Cheapest Full Coverage Car Insurance in San Mateo

Cheapest Car Insurance in San Mateo After a Driving Offense

Cheapest Car Insurance in San Mateo for Teens and Their Families

Cheapest Car Insurance in San Mateo for Military Drivers

How to Compare Cheap San Mateo Car Insurance Quotes Online

Best Car Insurance in San Mateo: Summary

Best Overall Car Insurance in San Mateo

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in San Mateo for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in San Mateo

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in San Mateo