How much is car insurance in Portola, CA?

Car insurance in Portola for an adult with a clean driving record and good insurance score costs $1,808 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Portola by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Portola.

Key Highlights

Car insurance in Portola is cheaper than car insurance in California for full coverage policies.
The average cost of a full-coverage car insurance policy in Portola is $1,808 per year or $151 per month.
In Portola, Progressive offers the cheapest full coverage car insurance at $86 per month.

Written by:

Katrina Raenell

Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

Reviewed by:

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Portola, CA?

The average auto insurance rates in Portola, CA at various coverage levels are listed below:

State minimum: $498 per year
Liability-only coverage (50/100/50): $734 per year
Full coverage (100/300/100): $1,808 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

Company	State Minimum	Liability Only	Full Coverage
Progressive	$293	$411	$1,034
Mercury Insurance	$386	$626	$1,300
Geico	$285	$463	$1,379
USAA	$405	$605	$1,502
Allstate	$501	$640	$1,690
Travelers	$402	$608	$1,712
Kemper Insurance	$395	$666	$1,749
Auto-Owners	$600	$920	$1,818
Nationwide	$553	$883	$1,862
State Farm	$456	$755	$2,027
CSAA Insurance (AAA)	$365	$492	$2,144
Farmers	$808	$1,201	$2,254
The Hartford	$640	$875	$2,354
Auto Club Enterprises (AAA)	$889	$1,136	$2,484

Note:

State Minimum: State minimum liability only
Liability Only: 50/100/50 liability only
Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Portola, CA?

Out of all the carriers available in Portola, Progressive offers the cheapest full coverage car insurance at $86 per month.

The second-cheapest car insurance company in Portola is Mercury Insurance, offering car insurance at $108 monthly.

Cheapest Company	Full Coverage Monthly Rates
Progressive	$86
Mercury Insurance	$108
Geico	$115
USAA	$125
Allstate	$141
Travelers	$143
Kemper Insurance	$146
Auto-Owners	$152
Nationwide	$155
State Farm	$169
CSAA Insurance (AAA)	$179
Farmers	$188
The Hartford	$196
Auto Club Enterprises (AAA)	$207

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Portola, CA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in California is considered as such because they have:

Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
An injury or a high-cost accident in the last three- to five-year period
A DUI conviction
A teen/inexperienced driver on their policy
A high-performance sports car
A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Portola, CA

See the average annual premium for drivers with two speeding tickets on their records in Portola, CA in the table below.

Cheapest Company	Full Coverage Monthly Rates with 2 Speeding Tickets
Progressive	$174
Mercury	$181
USAA	$240
Travelers	$265
Auto-Owners	$273
Geico	$275
Kemper	$310
Nationwide	$327
Farmers	$342
Allstate	$359
Auto Club Enterprises	$383
State Farm	$408
CSAA	$413
Hartford	$431

Note:

Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Portola, CA

See the average annual premium for a driver convicted of DUI in Portola, CA in the table below.

Cheapest Company	Full Coverage Monthly Rates with 1 DUI
Mercury	$179
Progressive	$203
Auto-Owners	$273
Travelers	$288
Geico	$289
Kemper	$310
Farmers	$331
USAA	$358
Nationwide	$430
Allstate	$554
State Farm	$596
Auto Club Enterprises	$635
CSAA	$642
Hartford	$805

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Portola, CA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Portola, CA, by age

Age is a key factor when considering car insurance rates in most cities, including Portola – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

Age	Cheapest Company	Full Coverage Monthly Rates
16	Allstate	$346
16	Auto Club Enterprises (AAA)	$656
16	Auto-Owners	$312
16	Geico	$296
16	CSAA Insurance (AAA)	$784
16	Farmers	$448
16	The Hartford	$540
16	Kemper Insurance	$540
16	Mercury Insurance	$304
16	Nationwide	$673
16	Progressive	$263
16	State Farm	$358
16	Travelers	$304
16	USAA	$348
17	Allstate	$346
17	Auto Club Enterprises (AAA)	$651
17	Auto-Owners	$312
17	Geico	$291
17	CSAA Insurance (AAA)	$600
17	Farmers	$440
17	The Hartford	$496
17	Kemper Insurance	$482
17	Mercury Insurance	$274
17	Nationwide	$561
17	Progressive	$264
17	State Farm	$324
17	Travelers	$289
17	USAA	$317
18	Allstate	$330
18	Auto Club Enterprises (AAA)	$583
18	Auto-Owners	$312
18	Geico	$286
18	CSAA Insurance (AAA)	$569
18	Farmers	$428
18	The Hartford	$466
18	Kemper Insurance	$439
18	Mercury Insurance	$262
18	Nationwide	$496
18	Progressive	$262
18	State Farm	$307
18	Travelers	$276
18	USAA	$294
19	Allstate	$230
19	Auto Club Enterprises (AAA)	$462
19	Auto-Owners	$227
19	Geico	$203
19	CSAA Insurance (AAA)	$398
19	Farmers	$333
19	The Hartford	$308
19	Kemper Insurance	$321
19	Mercury Insurance	$199
19	Nationwide	$371
19	Progressive	$207
19	State Farm	$243
19	Travelers	$221
19	USAA	$222
20	Allstate	$214
20	Auto Club Enterprises (AAA)	$388
20	Auto-Owners	$227
20	Geico	$200
20	CSAA Insurance (AAA)	$346
20	Farmers	$315
20	The Hartford	$296
20	Kemper Insurance	$294
20	Mercury Insurance	$199
20	Nationwide	$355
20	Progressive	$193
20	State Farm	$235
20	Travelers	$211
20	USAA	$214
21	Allstate	$185
21	Auto Club Enterprises (AAA)	$334
21	Auto-Owners	$251
21	Geico	$144
21	CSAA Insurance (AAA)	$307
21	Farmers	$289
21	The Hartford	$286
21	Kemper Insurance	$272
21	Mercury Insurance	$188
21	Nationwide	$274
21	Progressive	$146
21	State Farm	$223
21	Travelers	$193
21	USAA	$175
22	Allstate	$182
22	Auto Club Enterprises (AAA)	$324
22	Auto-Owners	$201
22	Geico	$141
22	CSAA Insurance (AAA)	$268
22	Farmers	$251
22	The Hartford	$278
22	Kemper Insurance	$258
22	Mercury Insurance	$188
22	Nationwide	$252
22	Progressive	$134
22	State Farm	$219
22	Travelers	$185
22	USAA	$166
23	Allstate	$169
23	Auto Club Enterprises (AAA)	$316
23	Auto-Owners	$201
23	Geico	$138
23	CSAA Insurance (AAA)	$241
23	Farmers	$251
23	The Hartford	$269
23	Kemper Insurance	$241
23	Mercury Insurance	$188
23	Nationwide	$236
23	Progressive	$122
23	State Farm	$209
23	Travelers	$181
23	USAA	$160
24	Allstate	$165
24	Auto Club Enterprises (AAA)	$313
24	Auto-Owners	$201
24	Geico	$135
24	CSAA Insurance (AAA)	$225
24	Farmers	$251
24	The Hartford	$258
24	Kemper Insurance	$222
24	Mercury Insurance	$138
24	Nationwide	$221
24	Progressive	$111
24	State Farm	$205
24	Travelers	$175
24	USAA	$152
25	Allstate	$159
25	Auto Club Enterprises (AAA)	$271
25	Auto-Owners	$170
25	Geico	$132
25	CSAA Insurance (AAA)	$203
25	Farmers	$216
25	The Hartford	$252
25	Kemper Insurance	$212
25	Mercury Insurance	$138
25	Nationwide	$201
25	Progressive	$103
25	State Farm	$199
25	Travelers	$169
25	USAA	$147
30	Allstate	$147
30	Auto Club Enterprises (AAA)	$219
30	Auto-Owners	$157
30	Geico	$119
30	CSAA Insurance (AAA)	$180
30	Farmers	$197
30	The Hartford	$227
30	Kemper Insurance	$165
30	Mercury Insurance	$113
30	Nationwide	$167
30	Progressive	$90
30	State Farm	$180
30	Travelers	$151
30	USAA	$131
35	Allstate	$143
35	Auto Club Enterprises (AAA)	$213
35	Auto-Owners	$157
35	Geico	$117
35	CSAA Insurance (AAA)	$180
35	Farmers	$187
35	The Hartford	$204
35	Kemper Insurance	$150
35	Mercury Insurance	$113
35	Nationwide	$161
35	Progressive	$88
35	State Farm	$173
35	Travelers	$146
35	USAA	$126
40	Allstate	$141
40	Auto Club Enterprises (AAA)	$207
40	Auto-Owners	$152
40	Geico	$115
40	CSAA Insurance (AAA)	$179
40	Farmers	$188
40	The Hartford	$196
40	Kemper Insurance	$146
40	Mercury Insurance	$108
40	Nationwide	$155
40	Progressive	$86
40	State Farm	$169
40	Travelers	$143
40	USAA	$125
45	Allstate	$133
45	Auto Club Enterprises (AAA)	$207
45	Auto-Owners	$152
45	Geico	$113
45	CSAA Insurance (AAA)	$179
45	Farmers	$190
45	The Hartford	$185
45	Kemper Insurance	$148
45	Mercury Insurance	$108
45	Nationwide	$148
45	Progressive	$83
45	State Farm	$165
45	Travelers	$141
45	USAA	$125
50	Allstate	$133
50	Auto Club Enterprises (AAA)	$205
50	Auto-Owners	$145
50	Geico	$112
50	CSAA Insurance (AAA)	$174
50	Farmers	$190
50	The Hartford	$184
50	Kemper Insurance	$155
50	Mercury Insurance	$103
50	Nationwide	$142
50	Progressive	$81
50	State Farm	$162
50	Travelers	$137
50	USAA	$125
55	Allstate	$130
55	Auto Club Enterprises (AAA)	$205
55	Auto-Owners	$145
55	Geico	$111
55	CSAA Insurance (AAA)	$174
55	Farmers	$183
55	The Hartford	$175
55	Kemper Insurance	$160
55	Mercury Insurance	$103
55	Nationwide	$141
55	Progressive	$80
55	State Farm	$155
55	Travelers	$132
55	USAA	$122
60	Allstate	$129
60	Auto Club Enterprises (AAA)	$199
60	Auto-Owners	$142
60	Geico	$110
60	CSAA Insurance (AAA)	$160
60	Farmers	$181
60	The Hartford	$171
60	Kemper Insurance	$170
60	Mercury Insurance	$103
60	Nationwide	$141
60	Progressive	$80
60	State Farm	$148
60	Travelers	$131
60	USAA	$121
65	Allstate	$128
65	Auto Club Enterprises (AAA)	$201
65	Auto-Owners	$142
65	Geico	$110
65	CSAA Insurance (AAA)	$171
65	Farmers	$182
65	The Hartford	$169
65	Kemper Insurance	$181
65	Mercury Insurance	$103
65	Nationwide	$142
65	Progressive	$85
65	State Farm	$132
65	Travelers	$133
65	USAA	$125
70	Allstate	$134
70	Auto Club Enterprises (AAA)	$222
70	Auto-Owners	$162
70	Geico	$114
70	CSAA Insurance (AAA)	$176
70	Farmers	$191
70	The Hartford	$170
70	Kemper Insurance	$205
70	Mercury Insurance	$114
70	Nationwide	$148
70	Progressive	$100
70	State Farm	$136
70	Travelers	$140
70	USAA	$131
75	Allstate	$134
75	Auto Club Enterprises (AAA)	$250
75	Auto-Owners	$162
75	Geico	$122
75	CSAA Insurance (AAA)	$189
75	Farmers	$194
75	The Hartford	$175
75	Kemper Insurance	$205
75	Mercury Insurance	$126
75	Nationwide	$165
75	Progressive	$101
75	State Farm	$147
75	Travelers	$151
75	USAA	$143

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Portola, CA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Final thoughts: Car insurance cost in Portola, CA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Portola, CA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Portola, California.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

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Laura Longero

Executive Editor

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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