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Auto Insurance in Half Moon Bay, CA and San Mateo County

At Weller/O’Brien Insurance Services, some of the questions our clients most commonly ask about auto insurance are about saving money on their insurance premium. Our main goal is to keep you protected, but we have plenty of ways to help you do so at a reasonable cost.

The minimum coverage requirement in California is 15/30/10, but we recommend 500/500/100. In an at-fault state like California, the right coverage is extremely important. However, when it makes sense, we can help you adjust coverages and/or deductibles that will reduce premium without leaving you unprotected. For example, we can place higher deductibles on physical damage coverages, or take them off of older cars.

We also educate you on how to help improve your rates, such as by driving safely, assuming part of the risk by taking higher deductibles, and avoiding expensive situations like pairing a young driver with a high-performance car.


Car Insurance Quotes in Half Moon Bay, CA

We provide accurate quotes and policies for several types of auto insurance, including standard and non-standard coverage in addition to preferred. We can provide SR-22s, and have several markets for classic and collector car insurance. We write these quotes through carriers like Allied/Nationwide, Safeco, Hartford, Progressive, Condon Skelly, and more.

Our policies can cover everything from physical damage coverages like collision, comprehensive and glass—for new, used, and classic and collector vehicles—to liability and bodily injury coverage for drivers of all risk levels.


Roadside Assistance, Rental Reimbursement, and Full Glass Coverage for your Vehicle

The carriers we work with offer various endorsements, like GAP insurance, new car replacement, and total loss deductible waiver. They also offer some of our popularly used endorsements: roadside assistance, rental reimbursement, and full glass coverage.

We also offer a variety of discounts, such as multi car discount, multi policy discount, claim-free discount, experienced operator discount, AARP defensive driving class discount, occupational and company car discounts, college graduate discount, Nationwide’s SmartRide discount, and safety discounts for recovery devices and passive restraints.

Contact an agent to learn more about how what we offer applies specifically to you.


Half Moon Bay’s Best Product Insurance Comparison

When clients shop for auto insurance, either by email through our website, by phone, or even by stopping into the office, they often come to us with questions like:

  • What is the impact of a claim or citation on my insurance rates?
  • How does annual mileage and use affect my premium?
  • How can I make my payments?
  • Why is auto insurance so expensive?
  • Why do I need high limits for bodily injury, property damage liability, etc.?
  • What is the difference between comprehensive and collision coverage?

Our agents are more than happy to answer these questions for you. Speak to one today.

After we make sure they have the best coverage for their needs, we make clients aware of available discounts so we can get them the best possible price. We do the best job of putting together a package of coverages—including auto, home, boat, RV and umbrella—to provide our clients with the best pricing and coordination of coverage.

To get started, request a quote, or contact an agent today.

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Our Location

Weller/O'Brien Insurance Services

720 Kelly Avenue
Half Moon Bay, CA 94019
Main office: 650-726-6328

Our Providers


I live in Santa Cruz and work in Half Moon Bay. I decided to go with Weller O'Brien in HMB because it's a smaller town, and I figured they would give me more attention and better service than if I went to someone in Santa Cruz. I wasn't let down. They are always quick to return my calls. I am more then just a policy to them. I've never had an insurance salesman go over a policy like that before. It made me confident that I was with the right group.

Brian S.
Kevin and all of his staff have been great in handling all of my insurance needs for my personal and business operations. Not only is it helpful having them local so I can pop in any time but they also help me understand the different insurance options available to me. Thanks Kevin

Bryan B.
Weller O'Brien Insurance Services in Half Moon Bay, California is wonderful! On my Homeowners Insurance Policy they were able to give me better coverage and save me money. Kevin, Barbara and Adam are always courteous and friendly. If you are in their office or speaking with them on the phone they always make you feel special. I do not hesitate to refer my friends to them..

Teresa A.
Kevin is the best! We have our business insurance with him and we are very happy. His staff is top notch and very helpful. They have a cool new office in downtown HMB, perfect for people that want a face to face in this day in age where so many things are online and impersonal. Thanks for everything Kevin and crew.....we love you.

Mike A.
When looking for homeowners insurance, I checked out several companies. Weller O'Brien by far had the best customer service. Their insurance coverage was comparable to other companies, only much less expensive. Every time I've called I've spoken with Betty, Adam or Kevin directly and all my questions have been answered. They even looked over my auto insurance to make sure that I was fully covered. I would highly recommend them to anyone needing new insurance or wanting to have their current insurance evaluated.

Angela B.