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.
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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.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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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

CompanyState MinimumLiability OnlyFull 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 CompanyFull 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 CompanyFull 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 CompanyFull 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.

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

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. 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.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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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.

Leslie Kasperowicz

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Leslie Kasperowicz

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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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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.