Cheap Car Insurance San Luis Obispo

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San Luis Obispo is located on U.S. Route 101 about 31 miles north of Santa Maria, and only only about 11 miles west of the Pacific Ocean. The city, locally referred to as SLO, or SLO Town and is adjacent to California Polytechnic State University. One of the main draws of this area for students, visitors, and residents alike is the plethora of outdoor sports such as hiking, kayaking, surfing, windsurfing, skim-boarding, diving, sailing, and kite boarding. It also boasts to having the 1 of the top 19 worlds weirdest tourist attractions, Bubblegum Alley. Since the 1970s, people have stuck wads of chewed gum on this wall in San Luis Obispo, California….ewww! The cost of living in San Luis Obispo is 12% higher than the California average, and 52% higher than the national average. This makes it especially important to explore all the options for cheap car insurance San Luis Obispo has to offer. Maybe make sure your health insurance is up to date as well.

The San Luis Obispo Police Department consists of 86.5 employees, 60 of which are sworn police officers. The Department is divided into two bureaus, with a Police Captain commanding each. The overall crime rate in San Luis Obispo is 51% higher than the national average, and property crime is 49% higher than the state average and 57% higher than the overall national average. Because of the high crime rate and high cost of living, insurance premiums are likely to be higher in San Luis Obispo than in other nearby cities.

San Luis Obispo Insurance Requirements

All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

cheap car insurance san luis obispo 2The minimum coverage may be all the law requires, but San Luis Obispo has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance San Luis Obispo can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

San Luis Obispo Public Transportation

cheap car insurance san luis obispo 3There are 2 airports and 6 Amtrak train stations within 30 miles of the San Luis Obispo city center. Public transportation is provided by the citywide SLO Transit bus lines as well as the county-wide SLO Regional Transit system. Rideshare encourages the use of the local public transit, as well as carpooling and cycling. Riders for the SLO Transit system are now able to plan their trips using Google Transit, and cycling is increasing as a mode of transportation.