Best Car Insurance Companies in San Mateo – September 2022

A car is a important property, and you want to ensure it’s well-protected in case of an mishap. That’s why car insurance is so essential, and it’s something you need to investigate before you buy a policy. There are a great deal of different car insurance companies out there, and they all have advantages and disadvantages. To help you limit your options, we’ve put together a list of the best car insurance companies in San Mateo, September 2022. We’ve thought about factors like customer service, protection options, discounts, and more to help you choose the best insurance company for your requirements.

Best Cheap Car Insurance Companies in San Mateo

San Mateo is among the most expensive states for car insurance, so looking around for the very best rates is essential. The least expensive car insurance companies in San Mateo are Geico, State Farm, and Progressive. When shopping for car insurance in San Mateo, compare rates from multiple companies to discover the best offer.

Here are the leading 5 car insurance companies in San Mateo – September 2022:


Geico is Best Car Insurance Companies in San Mateo

Geico is among the most widely known and earliest auto insurance companies in the United States. The business was established in 1936 and has ended up being the country’s second-largest car insurance company. Geico provides a vast array of insurance items, such as car, property owners, tenants, motorcycles, and boat insurance. The company is popular for its effective ad campaign featuring Geico Gecko and other characters.

The Pros and Cons of Geico


  • Available in all 50 states. Geico is an insurance company that uses auto protection in every state. They supply auto insurance to homeowners no matter where they live in the United States.
  • User friendly. Geico has actually developed a user-friendly site and mobile app that is straightforward, simple to utilize, and secure. You can use the platform to manage your insurance policy, file claims, and pay.
  • A lot of discounts. You can save money on your Geico insurance premiums by taking advantage of the discount rates they offer, such as if you have a tidy driving history or are a federal employee.


  • It only offers through Geico representatives. If you’re considering dealing with an independent broker, they won’t have the ability to price estimate Geico policies. That’s since Geico only sells their policies straight and won’t partner with other companies. Nevertheless, if you ‘d like to compare your alternatives, we can reveal you estimates from leading companies without inputting all of your info for each quote.
  • Geico doesn’t finance all of its other items. Geico partners with third-party companies to use other insurance items, like house owners insurance. That suggests that Geico will satisfy your auto claim, but you may have to look after your house owner’s insurance claim with an company like AIG.



There are a few things to think about when trying to find the very best car insurance companies in San Mateo. The first is rate. You’ll want to discover a business that uses a reasonable rate on your premium. The second is coverage. You’ll want to guarantee you get the right coverage for your requirements. And the third is customer support. You’ll wish to find a business with great client service and easy to deal with. Relating to car insurance, progressive companies tend to be more expensive than others. However they also offer more protection choices, which can be worth the extra cost. Progressive offers numerous types of protection, including collision, comprehensive, liability, and medical payments. They likewise have a variety of discounts available, including discount rates for excellent motorists, safe motorists, and drivers who have actually taken a protective driving course.

If you’re searching for the very best car insurance companies in San Mateo, cost isn’t the only thing you need to consider. Protection and client service are very important factors also. But if you’re searching for a progressive business providing lots of coverage options and discount rates, then advanced may be the right choice.

The Pros and Cons of Progressive


  • It uses a range of insurance alternatives. So you can discover the protection that Best matches your requirements.
  • Among the biggest auto insurance providers in the United States. so you can be confident that you’re getting trustworthy coverage.
  • Discount rates. Deals discounts for a range of things, consisting of safe driving, multi-car policies, and more
  • Trusted brand name. It has a popular and relied on brand name, so you can be sure you’re getting quality protection.


  • The company does not have the most extended history in the market. Established in 1937, Progressive is among the newer insurance providers compared to companies like State Farm and Allstate. Depending upon your perspective, this could be seen as favorable or negative.
  • Progressive might not have the most comprehensive array of protection choices readily available. While they use standard auto insurance coverage, they might not have as lots of add-on options as other insurers.
  • Progressive’s rates are not constantly the cheapest. They are often competitive, however there are sometimes more inexpensive alternatives. This is why it’s constantly crucial to compare rates from multiple insurance companies before making a final decision.
  • Some consumers have actually grumbled about customer service concerns with Progressive. While this is certainly not universal, it is something to be familiar with if you’re considering them as your insurance provider.

State Farm

State Farm

State Farm is a large and popular car insurance company in the United States. The company provides its consumers with a wide variety of protection alternatives, discounts, and advantages. In Addition, State Farm has a solid monetary rating and an extensive network of agents and claims representatives. State Farm is an excellent choice for reliable and reasonably priced car insurance. With over 80 years of industry experience, they have actually offered quality coverage to their consumers at a sensible price. Additionally, they offer many discounts and benefits that can help you save even more money.

The Pros and Cons of State Farm


  • History company. The company has a long history of providing quality coverage and outstanding customer service, making it one of the most trusted names in the market.
  • Coverage alternatives. State Farm offers thorough coverage alternatives so that you can tailor your policy to your specific needs.
  • Rates and discounts. They offer competitive rates and discount rates, saving you money on your premium.
  • Quick and easy claims process. State Farm is known for its fast and easy claims process, which can assist you return on the roadway after an mishap.


  • Widest variety. The company doesn’t have the best range of protection choices, so you might be not able to find a policy that exactly fits your requirements.
  • Higher rates. State Farm’s rates are normally on the greater side when compared to other insurance companies.
  • Slow processing. Some customers have actually complained about the claims process, saying it can be slow and discouraging.


Allstate One of the Best Car Insurance Companies in San Mateo

Allstate is one of the country’s biggest car insurance companies, guaranteeing over 16 million cars. They supply a wide variety of protection choices and outstanding customer service. Allstate auto insurance is not like your typical insurance policy. For starters, Allstate provides a pay-per-mile program. Driving less can help you conserve cash on your insurance premiums. It works by installing a gadget in your car that screens your mileage. Then, at the end of every month, you send Allstate reports detailing the number of miles you drove. Allstate will compute your premium for the following month based on this details.

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The Pros and Cons of Allstate


  • Available in all 50 states. Drivers all over the nation (including Florida, Alaska and Hawaii) can guarantee their cars and trucks with Allstate, which isn’t real of all of its competitors.
  • High claims satisfaction ratings. Allstate scored 876 out of 1000 on the 2020 J.D. Power Auto Claims Satisfaction Study, putting it above the industry average and other significant car insurance companies like Geico, Safeco and Liberty Mutual.
  • Wide variety of discount rates available. Allstate provides a long list of discount rates for chauffeurs, consisting of savings for paying your policy completely, going paperless, and bundling your car with home insurance or another policy through Allstate.
  • Special savings chances. Allstate also offers its signature Drivewise program. Participating drivers use an app that tracks their driving behaviour and can get cash off their premiums for safe driving.
  • Will guarantee high-risk chauffeurs. In specific states, Allstate uses non-standard auto insurance for motorists considered “high-risk” and may have difficulty discovering protection from other insurance companies.


  • Our sample quote was higher than average. When we ran a sample quote for an typical motorist through Allstate, we got rates greater than the nationwide average for car insurance. You might need to dig into their discounts to get the best deal on your coverage.
  • Some middling consumer rankings. While Allstate ratings well for claims fulfillment, its total customer rankings are average with third-party agencies like J.D. Power and Consumer Reports.



Founded in 1922, USAA is a Fortune 500 business that offers a full range of insurance and monetary services products to more than 13 million members of the military neighborhood and their households.

With its head office in San Antonio, Texas, USAA has over 30,000 employees and operates in all 50 states. The company’s insurance consists of car, homeowners, life, health, and umbrella protection.

USAA regularly ranks amongst the very best car insurance companies concerning consumer satisfaction. In J.D. Power’s 2020 U.S. Auto Insurance Study, USAA got the highest possible rating in every category, consisting of general complete satisfaction, claims complete satisfaction, policy offerings, rates, and billing procedure and interactions.

In addition to its exceptional customer support rankings, USAA is likewise among the most affordable car insurance providers in San Mateo. In our study of the very best inexpensive car insurance companies in N.Y., USAA had an typical annual rate of $1,028– nearly $400 less than the state average!

The Pros and Cons of USAA


  • Competitive rates. One of the most considerable advantages of USAA car insurance is its competitive rates. This is necessary because it can conserve you a lot of cash on your premiums.
  • Outstanding track record. USAA is a popular and highly regarded business that can provide you peace of mind concerning your protection.
  • Deal lots of discount rates. If you have numerous cars or are a safe chauffeur, you might be qualified for discounts on your premium.
  • Have outstanding client service. If you have any questions or issues with your policy, their customer service agents will more than happy to assist you.


  • Only run in particular states. This indicates that if you relocate to a different state, you will no longer have the ability to keep your policy with them.
  • Not cover all of the damages caused by accident. This suggests that if your car is totalled, you may not get sufficient cash from

How Much Does Car Insurance Cost in San Mateo?

San Mateo car insurance rates are some of the greatest in the country, however there are still ways to save. Let’s take a look at the average expense of car insurance in San Mateo and some of the best methods to get cheaper coverage.

How Much Does Average Car Insurance Cost in San Mateo?

The average expense of car insurance in San Mateo is almost $400 above the nationwide average. The high cost of car insurance in San Mateo is primarily due to the high variety of accidents and thefts in the state.

Several aspects affect the cost of car insurance in San Mateo. These include the type of vehicle you drive, your driving record, your age, where you live, and the quantity of coverage you need.

If you’re trying to find ways to save money on car insurance in San Mateo, think about raising your deductible, benefiting from discounts, and shopping around for the best rates.

How to Find the very best Car Insurance in San Mateo?

If you’re trying to find the best car insurance in San Mateo, there are a couple of things you’ll want to keep in mind. Initially, consider your requirements and budget. What type of coverage do you need? How Much can you pay for to spend? Once you have a excellent idea of what you’re trying to find, start comparing rates from different insurers.

A few excellent resources can help you compare rates and find the best offer. The San Mateo State Insurance Department’s website lists insurance providers and their contact info. You can also utilize an online quote contrast tool like The Zebra to get quotes from numerous insurers.

When you’re all set to buy, shop around and compare rates prior to picking a policy. Likewise, ensure you comprehend your policy’s terms and conditions before signing on the dotted line.

Car Insurance Discounts in San Mateo

There are numerous discounts readily available to San Mateo chauffeurs concerning car insurance. Many insurance providers provide a discount for taking motorist’s education courses, and there are also discount rates readily available for young motorists who maintain excellent grades in school. Additionally, some insurance companies provide a “pay-as-you-drive” discount rate based upon the amount of driving you do each year.

You might be qualified for numerous discounts if you have a tidy driving record, consisting of a safe chauffeur discount rate or a great student discount. Some insurance providers likewise offer discounts for setting up specific security devices in your cars, such as anti-theft or accident avoidance systems. Finally, lots of insurance providers offer commitment discount rates for clients who have actually been with the company for a certain period.

Often Asked Questions

What Are the Different Types of Car Insurance Coverage Offered in San Mateo?

There are several kinds of best car insurance protection offered in San Mateo. The most typical types are crash, extensive, liability, and accident defense (PIP). Accident protection spends for damage to your vehicle if you collide with another things. In contrast, detailed protection spends for damage to your car from occasions such as fire, theft, or vandalism. Liability coverage safeguards you if you are responsible for damages or injuries caused to another individual. At the same time, PIP spends for medical costs and lost wages if you are injured in a car mishap.

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What Are the Minimum Liability Requirements for Car Insurance in San Mateo?

The minimum liability requirements for car insurance in San Mateo are $25,000/$50,000/$10,000. Your insurance company will pay up to $25,000 for injuries sustained by someone in an accident, $50,000 for injuries sustained by 2 or more people in an mishap, and $10,000 for property damage brought on by mishap. However, it is important to note that these are only the minimum requirements, and you might need higher limitations depending upon your circumstance.

How Can I Get the very best Deal on Car Insurance in San Mateo?

You can do a few things to get the very best deal on car insurance in San Mateo. One is to look around and compare rates from different companies. Another is to take advantage of discounts that may be available, such as a good motorist discount or a discount for having numerous policies with the exact same company. You can likewise raise your deductible to decrease your premium.

What Other Factors Should I Consider When Shopping for Car Insurance in San Mateo?

When searching for the best car insurance companies in San Mateo, you ought to consider other elements, such as your vehicle type, driving history, and situations. For example, if you live in an area with a high crime rate, you might want to purchase thorough protection to secure your vehicle from theft or vandalism. If you have a bad driving history, you may want to buy higher limitations of liability protection.

What is the very best Car Insurance in San Mateo?

When it pertains to car insurance, there is no one-size-fits-all answer. The very best car insurance for you will depend on a number of factors, including your driving record, the value of your car, and your spending plan.

That said, some insurers are more affordable than others in San Mateo. Based on our research, the three most affordable car insurance companies in San Mateo are Geico, Progressive, and State Farm.

Geico is the biggest auto insurance company in the United States and offers a range of discount rates, including for great motorists and members of particular professional organizations.

Progressive is another large insurer with a large range of discount rates for safe drivers and those who sign up for automatic payments.

State Farm is the largest company of homeowners’ insurance in the United States and likewise offers car insurance. It provides a variety of discounts, consisting of for safe drivers and good students.

Is Car Insurance Required in San Mateo?

Yes, car insurance is required in San Mateo. All chauffeurs in San Mateo need to have liability insurance, which covers damages to other people and residential or commercial property in case of an mishap. You must also have uninsured/underinsured driver protection, which secures you if you’re struck by a motorist who doesn’t have insurance or does not have adequate insurance to cover your damages.

How Much Car Insurance Do I Need in San Mateo?

San Mateo law requires all motorists to have car insurance. The minimum protection you need to purchase is $25,000 for physical injury liability per individual, $50,000 for physical injury liability per accident, and $10,000 for property damage liability per mishap. Nevertheless, these are only the minimum amounts required by law. You may want to buy more than the minimum limits to safeguard yourself economically.

Can Bad Credit Affect the Cost of My Car Insurance?

Many believe their credit score will not affect their car insurance rates, however this is not constantly the case. In San Mateo, insurance providers can utilize your credit info when calculating your premium. This practice is called “credit-based insurance scoring” and can considerably affect your car insurance cost.

If you have a poor credit report, you might be seen as a high-risk chauffeur and be required to pay a higher premium. On the other hand, if you have a excellent credit history, you might be eligible for discount rates and may end up paying less for your car insurance.

All insurers do not utilize credit-based insurance scoring in San Mateo, so it’s important to look around and compare rates from multiple companies before picking a policy. Make sure to ask each insurance provider if they utilize credit details when setting rates and how it could impact your premium.

Why is Car Insurance Expensive in San Mateo?

San Mateo car insurance rates are pricey due to the fact that of the high expense of living in the state. San Mateo need to pay more for gas, repair work, and other car-related expenses than people in other states. The San Mateo invests about $2,200 a year on car insurance, nearly double the national average.

There are a few reasons that car insurance is so pricey in San Mateo. One reason is that the state has a great deal of densely populated areas. This implies that there are more cars on the roadway and more opportunities for accidents to occur. San Mateo likewise has numerous traveler attractions, suggesting out-of-state drivers are most likely to get into accidents.

Another reason car insurance is pricey in San Mateo is that the state requires all motorists to bring personal injury protection (PIP) protection. PIP spends for medical expenses and lost incomes if you’re hurt in an accident. It’s required in most states, but San Mateo’s PIP protection is among the most thorough and expensive in the nation.

If you live in San Mateo or are considering moving there, comparing car insurance rates from various companies before buying a policy is necessary. The rates can differ significantly from company to company, so it pays to search. You can use our tool listed below to compare rates from different companies and find the best deal for your circumstance.

Why Do Car Insurance Rates Vary by Company and Driver?

There are many factors that insurance companies take into consideration when setting rates, consisting of the driver’s age, gender, driving history, and the type of car being insured. However, the most important factors are company-specific underwriting requirements and claims experience.

Underwriting is the insurance company’s process to decide whether to accept or reject a potential client. Each company has different underwriting requirements, so some may be more willing to guarantee high-risk motorists than others. Claims experience is another essential factor that can trigger rates to vary from business to company. If an insurer has had a great deal of claims filed versus it in a specific state or for a particular type of vehicle, it might charge higher rates to offset its losses.

The best way to determine which company has the very best rates for you is to shop around and compare quotes from numerous insurers. Make sure you’re comparing apples to apples by getting quotes for the exact same level of coverage from each business. And don’t forget to inquire about any discount rates that may be readily available.

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