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Finding the cheapest car insurance quotes in
McArthur shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in
McArthur
The car insurance rate in
McArthur is $1083 for a six-month policy, which is $162 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $559, making it a popular choice for budget-conscious drivers. Rates in
McArthur can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $559 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Mercury
Mercury offers auto
insurance rates at $894 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA NorCal
AAA NorCal offers auto insurance
rates at $909
for six months, making it
the third cheapest auto insurance company in
McArthur.
McArthur Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in
McArthur, CA is CSAA, offering policies at just $559 for a six-month term. This is followed by Mercury, which has an average six-month premium of $894.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1194 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help
McArthur drivers find the best deals.
Way's key takeaways about car insurance in
McArthur
The auto insurance costs in
McArthur fall around $559 for six
months.
The cheapest auto insurance company in
McArthur is CSAA.
Teen drivers pay the highest rate in
McArthur at $525 per
month.
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Cheapest Minimum Liability Car Insurance in
McArthur
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in
McArthur are given below.
CSAA provides
the cheapest minimum car insurance
coverage in
McArthur. Their Average 6 Month Premium is $134.
Travelers is the most
expensive at $568 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in
McArthur is CSAA
at $94 per month and $559
for six months.
Cheapest Full Coverage Car Insurance Quotes in
McArthur,
CA
Get Your Car Insurance Quote in
McArthur
Instantly!
Average Car Insurance in
McArthur by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in
McArthur, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in
McArthur, California, may be increasing due to several external factors.
California has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally,
McArthur's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in
McArthur
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Wawanesa
$522
30s
Wawanesa
$421
40s
Wawanesa
$421
50s
Wawanesa
$421
60s
Wawanesa
$421
70s
Wawanesa
$412
Cheapest Car Insurance Rates for Teen Drivers in
McArthur,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the
McArthur at $62
per
month. At $3147 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Wawanesa is
the best choice for car
insurance in
McArthur.
As young drivers face the highest rates in
McArthur, Wawanesa
offers the cheapest auto insurance rates at $522 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in
McArthur,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
McArthur is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Save up to $971/yr on car insurance rates in
McArthur.
Car Insurance Rates with An Accident in
McArthur
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In
McArthur, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in
McArthur
The cheapest car insurance companies after an at-fault accident in
McArthur include AAA
and Capital Insurance Group, offering $325
and $475,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3002.
Here is a list of driving violations that can increase your car
insurance rates in
McArthur CA. For example, the car
insurance in
McArthur
after a DUI increases to $1513 for a six
month policy. While the rate increases by $397 for a six-month policy in the case of
a speeding ticket.
McArthur auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$946
$157
Not-at-fault accident
$946
$161
One comp claim
$946
$157
One Med/PIP claim
$946
$161
Two comp claims
$946
$157
Two Med/PIP claims
$946
$161
At-fault accident - less than $1000
$967
$161
Failure to show documents
$1246
$211
Driving with expired registration
$1271
$212
Driving without lights
$1271
$216
Failure to wear a seat belt
$1276
$213
Child safety restraint
$1287
$218
Speeding 11 - 15 MPH over limit
$1338
$223
Speeding 16 - 20 MPH over limit
$1338
$228
Driving too slowly
$1343
$224
Failure to stop at a red light
$1343
$229
Failure to yield
$1343
$224
Following too closely
$1343
$229
Illegal turn
$1343
$224
In 65 MPH zone
$1343
$229
Speeding 21 - 25 MPH over limit
$1343
$224
Speeding 6 - 10 MPH over limit
$1343
$229
Speeding in school zone
$1343
$224
Improper passing
$1349
$230
Cell phone violation
$1354
$225
Texting while driving
$1354
$231
Passing school bus
$1369
$228
Wrong way/wrong lane
$1602
$272
Operating a vehicle without permission
$1638
$273
At-fault accident - $1000-$2000
$1649
$280
At-fault accident - greater than $2000
$1649
$275
Open container
$1654
$281
Driving with a suspended license
$1917
$319
Reckless driving
$2336
$398
Racing
$2362
$393
Leaving scene of an accident/hit and run
$2372
$404
DUI
$2459
$410
Refusal to submit to a chemical test
$2459
$418
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in
McArthur after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in
McArthur.
The cheapest car insurance premiums in
McArthur are
offered by Capital Insurance Group at $708 for a six-month policy.
However, it can be as
expensive as $651 with companies
like AAA.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in
McArthur are offered by CSAA
at $83. However,
it can be as expensive as $2274
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in
McArthur after Speeding ticket
Car Insurance Price Trends in
McArthur,
California
Car insurance rates in
McArthur have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the
McArthur rose by
$184 in January
compared to $167 of December. In other words, there has been an increase by $17 when you
compare January and December.
The average cost of liability insurance in the
McArthur rose to $53 in January,
compared to $48 in December.
This represents an increase of $5
when comparing January and December.
Average Car Insurance Cost in
McArthur by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
McArthur. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in
McArthur?
The car insurance in
McArthur is $23 per month, which is lower than the national average.
What is the cheapest car insurance in
McArthur?
The cheapest car insurance in
McArthur
is $94 per month
for full coverage.
How much is car insurance in
McArthur for teenagers?
Car insurance for teenagers costs $362 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
McArthur?
The average cost of car insurance is $1245 for a six-month
policy. It will cost around $182 per month to insure your
car in
McArthur.
Is car insurance expensive in
McArthur?
Car insurance can be expensive in
McArthur if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in
McArthur can be
affordable.
What is the best car insurance in
McArthur,
CA?
The best car insurance company in
McArthur
CA is
CSAA, offering $559 for a
six-month policy.
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McArthur right now.
Find Car Insurance Rates in Cities Near
McArthur, CA
Car Insurance Rates by State in the USA (2025 Update)
McArthur Car Insurance
