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Cheapest car insurance in Aptos, California (Nov 2024)
Cheapest car insurance in Aptos, California (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Aptos, California.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in Aptos
- Cheapest Aptos car insurance for good drivers
- Best car insurance companies in Aptos
- Best cheap car insurance quotes in Aptos
- Average cost of car insurance in Aptos
- Car insurance quotes in Aptos by rating factors
- How do different factors impact your car insurance costs in Aptos?
- How to lower car insurance costs in Aptos
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Aptos
Drivers in Aptos pay an average of $56 per month for the state minimum coverage and about $249 per month for a full coverage car insurance policy. Compared to California’s average, Aptos drivers pay about $15% more for car insurance.
If you want to find the cheapest
auto insurance
rates in Aptos, California, shopping around and comparing quotes
from different providers is the easiest option. But, with dozens of reputable providers in The Golden State, requesting quotes from individual providers can be a big ask. Rather than settling for the first
auto insurance quote
you get, shop with Jerry
. As an independent insurance broker, Jerry makes shopping for car insurance quick and easy. Sign up for the app, create a profile, and sort through your personalized free quotes from 55+ top providers.Check out the table below for actual quotes Jerry found for drivers in Aptos, CA.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
Clearcover | $137 | Catherine, 25 Zip: 95003 | Ford Fusion SE | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $203 | Lillian, 53 Zip: 95003 | BMW 328 i | • State Minimum Liability |
| Encompass | $86 | Bill, 61 Zip: 95003 | Nissan Rogue S | • 100,000/300,000 Liability |
| Aspire Advantage | $66 | Derek, 29 Zip: 95003 | Subaru Impreza | • State Minimum Liability |
Last Updated Nov 18, 2024Cheapest Aptos car insurance for good drivers
The best way to maintain affordable auto insurance in Aptos is to keep a
clean driving record
—no accidents, speeding tickets, or other moving violations. Your California driving record has one of the biggest influences on your premium, and a history of violations will lead to high rates.To understand where you stand, take advantage of Jerry’s DriveShield™—open the app to activate trip tracking and get your safe driving score. The higher you score, the better your chance of earning a discount from your insurer.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Giovanni, 25 | 88 | 28% | No |
|
Alex, 34 | 98 | 35% | No |
|
Paul, 44 | 76 | 20% | No |
|
Dina, 54 | 96 | 31% | No |
|
David, 65 | 74 | 24% | No |
|
Best car insurance companies in Aptos
Finding the right insurer for your needs can be tricky, but we’ve done the work for you. To help you decide, Jerry conducted the nation’s largest insurance shopping survey to determine what policyholders like and don’t like about their current insurance providers.
Here’s what we found.
While big-name carriers like
GEICO
and State Farm
received mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage
and National General
came through with the highest ratings from actual customers. Check out the table below to see how Jerry users ranked these and other insurance providers on cost, customer service, and claims handling.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 3.9 | 4.3 |
| USAA | 4.3 | 4.8 | 4.8 | 4.8 |
| Geico | 4 | 3.5 | 3.8 | 3.9 |
| State Farm | 3.9 | 3.3 | 3.7 | 4 |
Liberty Mutual | 2.8 | 3.2 | 2.7 | 2.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Aptos
California drivers are legally required to carry car insurance that meets the
state’s minimum car insurance requirements
. Minimum coverage insurance is the cheapest option for California drivers, but it might not be suitable for every driver.Cheap minimum liability insurance quotes in Aptos
California minimum car insurance requirements are as follows:
- $30,000 of bodily injury liability coverage per accident
Uninsured motorist coverage
isn’t required in California, but it’s a good add-on option to protect drivers in the event of an accident with an uninsured driver.The table below shows rates that real Jerry customers found for liability coverage only using Jerry:
Derek (29 years old)
$66
per month
Do you need more than minimum coverage in Aptos?
Most California drivers can benefit from exceeding the state’s minimum car insurance laws.
Compared to other states, California’s car insurance limits are lower, which means carrying the bare minimum coverage isn’t likely to keep you fully protected in the event of a collision. Emergency medical bills can quickly exceed your bodily injury limits, even with minor injuries. Likewise, $5,000 won’t take you far if a vehicle is totaled and needs replacing.
As a result, sticking to the state minimum limits will leave you on the hook for all unpaid damages. While minimum coverage is the cheapest option for California drivers, most experts recommend increasing liability limits to 50/100/50 or 100/300/100—even if you’re investing in full coverage. That way, you can be sure you have enough protection in place to protect your assets and future finances.
Cheap full coverage car insurance quotes in Aptos
California car insurance laws only require drivers to purchase
liability insurance
—but it’s important to remember that liability coverage doesn’t cover the cost of physical damages. If you want maximum protection, you’ll need a full coverage policy
.“Full coverage” isn’t a specific type of policy—it’s an umbrella term used to describe any insurance policy that includes liability coverage and generally coverage for physical damages, such as:
- Collision coveragepays for vehicle repairs or replacement following a collision with another vehicle or stationary object.
- Comprehensive coveragepays for vehicle repair or replacement costs after a non-collision-related incident, such as theft, vandalism, or a severe natural weather event.
If you lease or loan your car, your lender may require you to purchase collision and comprehensive insurance for the duration of your lease or auto loan. If you plan to add additional coverage options to your policy, such as
roadside assistance
, you will also need full coverage.Collision and comprehensive coverage are subject to deductibles. To help keep your monthly payments low, increase your deductible to the highest amount you can afford to pay out of pocket if you’re involved in a crash.
Collision and comprehensive coverage are subject to deductibles. To help keep your monthly payments low, increase your deductible to the highest amount you can afford to pay out of pocket if you’re involved in a crash.
Check out the table below to see some of the best rates drivers in Aptos found on full coverage policies using Jerry.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $137 | Catherine, 25 Zip: 95003 | Ford Fusion SE |
Last Updated Nov 22, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Aptos
Drivers in Aptos pay an average of $56 per month or $676 per year for minimum liability coverage. In contrast, a full coverage policy costs an average of $249 per month or $2,992 per year.
While understanding the average auto insurance rates in Aptos can give you an idea of how much you can expect to pay, rates are highly individualized, so expect variation. Every insurer uses a different set of criteria to calculate rates, many of which are driver-specific factors. Some factors include vehicle make and model, driving history, annual mileage, and age.
Compare car insurance costs in other states
Car insurance quotes in Aptos by rating factors
While California car insurance companies are prohibited from using credit scores to
calculate auto insurance rates
, there are several other factors considered, including:- Your driving record and claims history: Drivers with a history of accidents and other violations will face higher insurance rates than drivers with a clean record.
- Your age: Drivers 25 and under pay higher rates due to a lack of driving experience, while drivers 65 and over pay higher rates due to age-related factors that increase accident risk.
- The kind of car you have: Luxury, high-performance, and sports cars typically have higher repair and replacement costs, which makes them more expensive to insure.
- Where you keep your car: Insurance rates are higher for drivers who park their vehicles in public spaces than in private, secure locations.
- How you use your car: Insurance companies often charge more if you drive your vehicle for business than leisure.
How do different factors impact your car insurance costs in Aptos?
How do different factors impact your car insurance costs in Aptos?
Allowed (with applicable limitations): Driving experience, marital status, zip code.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.
Learn more about the car insurance rating factors in Aptos:
Cheap car insurance quotes in Aptos after driving violations
Your
California driving record
has one of the biggest influences on the cost of auto insurance. Drivers with a history of accidents and other violations are considered high-risk drivers
to insurers and, therefore, pay higher insurance rates. Some common violations that can increase Aptos car insurance rates include:
- Speeding
- DUIs
- At fault accidents
- Driving without a license
- Driving with a suspended license
Cheapest car insurance in Aptos after speeding ticket
Car insurance repercussions for
speeding tickets
vary based on the severity of the infarction and whether or not it’s your first offense. And if you were speeding such that you entered reckless driving territory, expect your insurance rates to go through the roof.Thankfully, whether it’s your first speeding ticket or you have a few under your hood, Jerry can help you find the most affordable rates on car insurance.
Last Updated Nov 21, 2024Cheapest car insurance in Aptos after DUI
Under
California’s DUI laws
, driving under the influence is a major violation that not only results in major fines but can lead to sky-high insurance rates. A DUI/DWI
signals to insurers that you’re a high-risk driver, which translates to a riskier driver to insure. High-risk drivers pay significantly more for auto insurance than safe drivers—if an insurer will cover you. But there is good news—even with a DUI on your record, you can still find savings on your Aptos car insurance policy by shopping with Jerry.
Cheapest car insurance in Aptos after an at-fault accident
Your accident record or claim history is one factor that determines your level of risk as a policyholder. A history of at-fault accidents, or even a single one, is a red flag to insurers that can result in high insurance rates.
If you were recently involved in an accident and saw your insurance rates climb, shopping around with the Jerry app can help you find the most affordable rate. Check out the table below for some of the cheapest rates Aptos drivers with an accident record found using Jerry:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Bristol West | $203 | Gregory, 52 Zip: 95003 | BMW 328 i | • State Minimum Liability |
Not At Fault | Bristol West | $203 | Marvin, 52 Zip: 95003 | BMW 328 i | • State Minimum Liability |
At Fault With No Injury | Dairyland | $191 | Roy, 52 Zip: 95003 | BMW 328 i | • State Minimum Liability |
Last Updated Nov 21, 2024Cheapest car insurance in Aptos after other driving violations
Speeding tickets, DUIs, and accidents are only a few violations that can increase Aptos auto insurance rates. Other offenses like reckless driving or driving without insurance can also raise your premiums.
The table below outlines other driving violations and how we helped Aptos drivers with these violations save on car insurance:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Driving on Sus. License | Bristol West | $203 | Hattie, 52 Zip: 95003 | BMW 328 i | • State Minimum Liability |
Last Updated Nov 22, 2024Cheap car insurance quotes in Aptos by driving experience
Insurers consider your driving experience when setting premiums—inexperienced drivers pay higher rates than drivers with an abundance of experience under their belt. Because of this, young and new drivers face the highest rates, while middle-aged drivers enjoy some of the lowest rates. Seniors also face higher rates due to age-related factors that increase their risk as policyholders.
Cheapest car insurance in Aptos for young drivers
Teen drivers
aged 16 to 19 pay some of the highest insurance rates in Aptos. Since young (and new) drivers have limited driving experience, insurers see them as higher risk and charge higher rates. While rates will decrease after 25, the cheapest option for teens is to share a policy with a parent or legal guardian. Take a look at some of the rates real Aptos teens (and new drivers) received using Jerry.
Cheapest car insurance in Aptos for senior drivers
Senior drivers
are also subject to high insurance rates for two reasons:- Older drivers have slower reflexes that increase the risk of being involved in a collision.
- Seniors are much more vulnerable to severe injuries.
For these reasons, seniors are seen as a higher risk to insure and experience increased car insurance rates. However, drivers can lower their premium costs by using the Jerry app.
Cheap car insurance quotes in Aptos based on insurance history
Your car insurance history—i.e., whether you are currently insured or not—also influences how much you will pay for car insurance in Aptos. Insurers want to see that you’ve had continuous insurance as long as you’ve been driving, and any
lapses in your auto insurance coverage
will usually lead to higher rates.To ensure you don’t miss a payment and avoid a coverage lapse, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
Whether you’ve had a coverage lapse or are a new driver with a limited insurance history, you can also find the most affordable auto insurance rates using Jerry.
Gertrude (29 years old)
$120
per month
Lily (33 years old)
$79
per month
Clearcover
Marian (24 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Aptos, CA (Zip Code: 95003)
$137
per month
Clearcover
Lucas (24 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Aptos, CA (Zip Code: 95003)
$137
per month
Richard (29 years old)
$120
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
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The General is affordable and will work with you on your monthly payments.
Curtis
Cheap car insurance quotes in Aptos for popular cars
Your vehicle’s make and model are also rating factors used to determine car insurance premiums. Cars with higher repair and replacement costs typically cost more to insure, while vehicles with lower costs and better safety features usually have more affordable rates.
Check out the table below for the cheapest rates Jerry found for some of the most popular cars in Aptos.
Last Updated Nov 22, 2024How to lower car insurance costs in Aptos
1. Shop around and compare quotes
Finding the most affordable car insurance rate comes down to shopping around and comparing quotes from several providers. Since every insurer uses a different set of criteria to calculate insurance rates, you’ll see massive variation across providers. Stay on top of the cheapest rates by shopping for a new policy every six months.
To help simplify and take the stress out of insurance shopping, consider using an insurance agent or a broker, like Jerry. As an independent broker, Jerry uses your personal driver profile to pull quotes from over 55 top carriers in your area in under a minute. And like most brokers, Jerry doesn’t charge broker fees—you’ll pay the same price as you would if you went directly to the insurance company.
2. Hunt for car insurance discounts
Several providers offer insurance services to help drivers save on premiums.
Car insurance discounts
are one of the simplest ways to save money, but what’s available will vary based on your location, eligibility, and provider.Some popular discounts include:
- Good driver discounts: California state law mandates 20% insurance discounts for drivers who have had their license for three or more years. Drivers who qualify must also have no more than one point on their record, and a history of no at-fault accidents resulting in injury or death.
- Telematics discounts: Installing a telematics app or device to track your driving habits can help you save on your premium. The safer you drive, the more you can save.
- Good student discounts: Full-time high school or college students may be eligible to earn a discount on their premium if they maintain a B average or better.
- Bundling discounts: Customer loyalty is important to insurers.Bundle your auto and homeowners insurance(or auto and renters insurance) with the same provider to save on both home insurance and car insurance.
3. Increase your deductible for comprehensive and collision coverage
Collision and comprehensive coverage are both subject to deductibles. If you want to reduce your monthly payments, increase your deductible to the higher amount you can afford out of pocket in case of an accident.
FAQ
How much is car insurance in Aptos?
Drivers in Aptos pay an average of $56 per month or $676 per year for state minimum coverage, while a full coverage auto insurance policy costs an average of $249 per month or $2,992 per year.
What is the cheapest car insurance in Aptos?
State minimum coverage—which costs around $56 per year in Aptos and includes bodily injury and property damage liability—is the cheapest option for car insurance in Aptos. But while minimum coverage will keep your monthly payments low, it likely won’t offer full financial protection in the event of a collision.
What is minimum car insurance in Aptos, California?
Aptos drivers must carry car insurance with minimum coverage limits of at least 15/30/5 coverage—$15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident, and $5,000 of property damage liability coverage per accident.
What is the best car insurance in Aptos?
The best car insurance company in Aptos depends on your car insurance needs. According to our nationwide survey of over 18,000 policyholders, California drivers preferred smaller insurers like
Aspire Advantage
, Farmers Insurance
, and National General
over big-name insurance companies like GEICO
and State Farm
. Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.