Los Altos, CA Car Insurance

Residents of Los Altos pay, on average, about $52 per month for car insurance. Check out our guide below to find out how much you'll pay.
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What can Los Altos residents expect to pay for their car insurance? How does Los Altos stack up to the rest of the area, or even California as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Los Altos?

Area Average Monthly Car Insurance Premium
Los Altos$52
CA$56
United States$81

Car insurance coverage in Los Altos is about $4 cheaper than it is in the rest of California.

When stacked up against the national average, the average monthly policy payment for Los Altos is more affordable. The average monthly payment in Los Altos is about $29 cheaper than the rate for the rest of the U.S.

While these are the average car insurance rates for Los Altos, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down the average rates for Los Altos to help you understand what your monthly premium might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$65
25-34$45
35-44$45
45-54$35
55-64$43
65+$42

The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up in Los Altos.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$50

Car insurance rates for female drivers are usually cheaper than those for male drivers. The price to insure your vehicle in Los Altos, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$88
1 Ticket$67
Multiple Tickets$71

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Los Altos with a single accident will pay around $61 a month. In addition, drivers with a single ticket on their record can expect to pay around $67 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$59
2-3 Years$50
4-5 Years$47
6-7 Years$59
8-10 Years$53
11-14 Years$53
15 Years or Older$45

In Los Altos, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $37 per month to insure their vehicle.

Car owners can expect to pay an average of around $54 a month for their policy, while truck and van drivers are usually around $39 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Los Altos, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$42
Divorced$50
Widowed$38

On average, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Los Altos can be as much as $12 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$57
Live with parents$62

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than those who own their own home in Los Altos. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Los Altos, CA

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Los Altos, the rates for auto insurance dropped from 2017-2018, before leveling out in 2019. Insurance rates fell again recently, reaching a low of $28 in 2022.

How does Los Altos compare to neighboring areas?

Why are car insurance rates in Los Altos different from other areas?

Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Off-street parking availability
  • Community laws
  • Regional crime rates
  • Road Safety (how many accidents each locality has)
  • Total number of drivers in the area

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Los Altos?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Los Altos.


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Los Altos Insurance FAQs

What factors affect car insurance quotes in Los Altos?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Los Altos different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Los Altos?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Los Altos?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Los Altos or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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