Compare the Cheapest Car Insurance Quotes in San Mateo

Car insurance in San Mateo costs an average of $1,269 per year, which is 11.2% less than the state average. In the city of San Matero, Esurance is the cheapest insurance provider, with an average of $967 per year.

MoneyGeek analyzed insurance companies in San Mateo across different coverage amounts and driving profiles to help you find the best policy that offers quality and affordability.

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Last Updated: 5/16/2022
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In the city of San Mateo, Esurance is the cheapest provider for full coverage car insurance. However, the best provider will depend on your driving profile and coverage amount. While Esurance is the best for drivers with speeding tickets, GEICO is the best for those seeking to purchase the state minimum policy. MoneyGeek determined that AAA is the overall top provider that offers affordability and quality service.

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The Cheapest and Best Car Insurance in San Mateo

The Cheapest Car Insurance Companies in San Mateo

A full coverage car insurance policy includes comprehensive and collision coverage. At a higher price, it features higher limits than liability coverage. In San Mateo, on average, the top providers offering full coverage policies are:

  • Esurance: $967 per year
  • Progressive: $1,065 per year

Esurance offers the most affordable full coverage policy in San Mateo. Allied is the most expensive provider for full coverage car insurance in San Mateo, charging an annual average of $590 more than Esurance. It is essential to note that these rates are only estimates, and your actual costs can fluctuate depending on your driving history and coverage amount.

Cheapest Car Insurance in San Mateo
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $967
  • 2.
    Progressive
    $1,065
  • 3.
    MetLife
    $1,075
  • 4.
    USAA
    $1,079
  • 5.
    GEICO
    $1,086
  • 6.
    Allstate
    $1,167
  • 7.
    CSAA
    $1,227
  • 8.
    State Farm
    $1,253
  • 9.
    Mercury
    $1,361
  • 10.
    Hartford
    $1,443
  • 11.
    Travelers
    $1,515
  • 12.
    Farmers
    $1,519
  • 13.
    Allied
    $1,557

MoneyGeek determined the average rates for this study using a 40-year-old male driver with full-coverage car insurance and a clean driving record as specified in our methodology. A full-coverage policy has liability insurance plus comprehensive and collision insurance that covers the cost of repairing your damaged vehicle after an accident.

Full coverage policies contain the following additional insurances:

  • Comprehensive Insurance: covers the costs incurred for any damages resulting from theft, vandalism and other non-collision-related incidents.
  • Collision Insurance: covers the costs incurred for any damages resulting from an at-fault accident.

Drivers with older vehicles are encouraged to seek liability insurance or the state minimum car insurance. Getting a full coverage policy may be more costly than the value of an older car.

Compare Car Insurance Rates in San Mateo

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in San Mateo for Minimum Coverage

The cheapest car insurance in San Mateo is the minimum state coverage. State minimum policies cost less than full-coverage insurance but may not provide sufficient coverage after an accident. As a result, you may end up paying more out of pocket should you experience an at-fault accident.

On average, the providers that offer the cheapest policies that meet minimum insurance limits are:

  • GEICO: $453 per year
  • CSAA: $464 per year

Although USAA offers the lowest rates, its services are exclusively available to military families and therefore excluded from MoneyGeek’s ranking.

In San Mateo, Farmers offers the highest-priced state minimum coverage at $761 per year. Your actual rates may fluctuate depending on several factors. You can use the table below to compare prices for different coverage limits.

Cheapest Minimum Liability Car Insurance in San Mateo
State Minimum

In San Mateo and other cities in California, liability-only car insurance only meets the minimum state car insurance requirements. These policies include $15,000 bodily injury coverage per person up to $30,000 per accident, as well as $5,000 in property damage coverage. While it's the cheapest option, you may end up paying more out of pocket in the event of an accident. For instance, if, after an accident, the cost of property damages totals $15,000, you will pay $10,000 out of pocket.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in San Mateo if You Have Driving Violations

How much you pay for car insurance in San Mateo depends on your driving record. Having a history of severe traffic violations, such as speeding tickets and DUIs, increases your rates significantly. As you improve your driving record, your rates will be reduced.

From MoneyGeek’s findings, the top car insurance providers in the city for drivers with traffic violations are:

  • Cheapest after a ticket: Esurance at $1,222 per year
  • Cheapest after an at-fault accident: Esurance at $1,503 per year
  • Cheapest after a DUI: Mercury at $2,230 per year

It is encouraged to shop rates in San Mateo to find cheap car insurance for drivers with poor driving records.

Cheapest Car Insurance in San Mateo With a Violation
Speeding Ticket

Average Cost of Car Insurance in San Mateo

San Mateo$1,269
California$1,429
U.S.$1,424

The city of San Mateo offers relatively lower car insurance than other cities in the state of California. The average cost of car insurance in San Mateo is $1,269 per year. This price is lower than the state average by 11.2% and lower than the national average of $1,424 by $10.9%.

Personalized Quotes to Get You the Cheapest Car Insurance in San Mateo

Various factors affect the cost of car insurance in San Mateo. These factors include credit score, driving history, ZIP Code, gender and coverage level. To secure the cheapest policy plus perks and discounts, you will need to compare car insurance quotes across multiple insurance companies.

Compare Car Insurance Rates in San Mateo

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in San Mateo

The best car insurance companies in San Mateo balance affordability and quality service. MoneyGeek scored the providers in the city based on financial stability, user satisfaction and affordability ratings from J.D. Power.

From our ratings, the best car insurance companies in California overall are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

MoneyGeek excluded USAA from the ranking as its policies are exclusively available to military families. If you are a military family, USAA is the recommended provider as its score is a perfect 100 out of 100.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Car insurance rates are affected by several factors, including ZIP code. If you live in a neighborhood where more car thefts, accidents and other related occurrences are reported, you will pay more for car insurance. For instance, drivers who live in ZIP Code 94403 pay an average of $1,224 per year. Meanwhile, those living in ZIP Code 94401 pay an annual average of $1,315.

  • Zip Code
    State Minimumper year
  • 94403
    $1,224
  • 94401
    $1,315

Factors That Impact Insurance Costs in San Mateo

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in San Mateo. How San Mateo ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities296th/300
handcuffs2 icon
Most Car Thefts262nd/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall194th/300
umbrella icon
Most Rainy Days211th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for San Mateo are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.