Auto Insurance in Monterey (93940)
California · Very Affordable · 2th percentile statewide
Carrier Rates in 93940
6-month premiums from SERFF rate filings. Standard driver profile.
How 93940 Compares
Monterey (93940) is very affordable for auto insurance in California, ranking in the 2th percentile.
The cheapest carrier is Mercury at $307/6mo — 81% less than the most expensive (Wawanesa at $1,621).
The median premium of $734 is 20% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Monterey (93940)?
The median 6-month premium in Monterey (93940) is $734 across 9 carriers. Premiums range from $307 to $1,621, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 93940?
Mercury offers the lowest rate in 93940 at $307/6mo. That's 81% less than the most expensive option (Wawanesa at $1,621/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 93940?
Auto insurance rates in Monterey (93940) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Monterey ranks in the 2th percentile statewide, meaning it's very affordable compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 93940?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.