Cheapest Car Insurance Quotes in Amador City

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Amador City Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Amador City

The car insurance rate in Amador City is $1183 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $610, making it a popular choice for budget-conscious drivers. Rates in Amador City 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.

Avg. Car Insurance in Amador City

$1183

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Amador City

1st place: CSAA

At $610 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $977 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 $993 for six months, making it the third cheapest auto insurance company in Amador City.

Amador City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Amador City, CA is CSAA, offering policies at just $610 for a six-month term. This is followed by Mercury, which has an average six-month premium of $977.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1303 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amador City drivers find the best deals.

Cheap Car Insurance Companies in Amador City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$610	$103
Mercury	$977	$164
AAA NorCal	$993	$169
Progressive	$993	$167
Wawanesa	$1038	$175
USAA	$1055	$178
Auto Club	$1083	$184
Allstate	$1207	$203
AAA SoCal	$1275	$217
Kemper	$1349	$225
State Farm	$1445	$243
Travelers	$1614	$269
Farmers	$1620	$276
AAA	$1303	$218

Key Takeaways

Way's key takeaways about car insurance in Amador City

The auto insurance costs in Amador City fall around $610 for six months.
The cheapest auto insurance company in Amador City is CSAA.
Teen drivers pay the highest rate in Amador City at $573 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Amador City

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 Amador City are given below.

CSAA provides the cheapest minimum car insurance coverage in Amador City. Their Average 6 Month Premium is $146. Travelers is the most expensive at $620 for the same period.

Cheapest Liability Coverage in Amador City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$146	$25
AAA NorCal	$242	$41
USAA	$276	$47
Progressive	$328	$55
Auto Club	$333	$55
Wawanesa	$350	$59
AAA	$401	$67
AAA SoCal	$407	$69
Mercury	$407	$68
State Farm	$446	$75
Allstate	$514	$86
Farmers	$553	$94
Travelers	$620	$104

Cheapest Full Coverage Car Insurance in Amador City

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 Amador City is CSAA at $103 per month and $610 for six months.

Cheapest Full Coverage Car Insurance Quotes in Amador City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$610	$103
Mercury	$977	$164
AAA NorCal	$993	$169
Progressive	$993	$167
Wawanesa	$1038	$175
USAA	$1055	$178
Auto Club	$1083	$184
Allstate	$1207	$203
AAA SoCal	$1275	$217
Kemper	$1349	$225
State Farm	$1445	$243
Travelers	$1614	$269
Farmers	$1620	$276
AAA	$1303	$218

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Average Car Insurance in Amador City 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 Amador City, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Amador City, 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, Amador City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Amador City

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	$570
30s	Wawanesa	$460
40s	Wawanesa	$460
50s	Wawanesa	$460
60s	Wawanesa	$460
70s	Wawanesa	$450

Cheapest Car Insurance Rates for Teen Drivers in Amador City,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Amador City at $67 per month. At $3436 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$395	$67
Capital Insurance Group	$497	$83
USAA	$1292	$218
Wawanesa	$1321	$220
Progressive	$1512	$255
Mercury	$1568	$264
CSAA	$1664	$280
Auto Club	$2443	$408
State Farm	$2494	$420
Allstate	$2900	$488
AAA SoCal	$3069	$522
AAA NorCal	$3109	$518
Travelers	$3228	$549
Farmers	$3436	$573

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Amador City.

As young drivers face the highest rates in Amador City, Wawanesa offers the cheapest auto insurance rates at $570 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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Amador City.

Car Insurance Rates with An Accident in Amador City

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 Amador City, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Amador City

The cheapest car insurance companies after an at-fault accident in Amador City include AAA and Capital Insurance Group, offering $355 and $519, respectively. Allstate is an expensive provider with an average six-month premium of $3278.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$355	$59
Capital Insurance Group	$519	$88
CSAA	$694	$117
USAA	$1140	$192
Mercury	$1247	$210
Progressive	$1303	$219
Wawanesa	$1467	$244
Auto Club	$1625	$276
Farmers	$1777	$299
AAA NorCal	$2015	$343
AAA SoCal	$2184	$364
State Farm	$2579	$434
Travelers	$3109	$518
Allstate	$3278	$552

Amador City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Amador City CA. For example, the car insurance in Amador City after a DUI increases to $1653 for a six month policy. While the rate increases by $434 for a six-month policy in the case of a speeding ticket.

Amador City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1033	$172
Not-at-fault accident	$1033	$176
One comp claim	$1033	$172
One Med/PIP claim	$1033	$176
Two comp claims	$1033	$172
Two Med/PIP claims	$1033	$176
At-fault accident - less than $1000	$1055	$176
Failure to show documents	$1360	$231
Driving with expired registration	$1388	$232
Driving without lights	$1388	$236
Failure to wear a seat belt	$1394	$233
Child safety restraint	$1405	$238
Speeding 11 - 15 MPH over limit	$1461	$243
Speeding 16 - 20 MPH over limit	$1461	$249
Driving too slowly	$1467	$244
Failure to stop at a red light	$1467	$250
Failure to yield	$1467	$244
Following too closely	$1467	$250
Illegal turn	$1467	$244
In 65 MPH zone	$1467	$250
Speeding 21 - 25 MPH over limit	$1467	$244
Speeding 6 - 10 MPH over limit	$1467	$250
Speeding in school zone	$1467	$244
Improper passing	$1473	$251
Cell phone violation	$1478	$246
Texting while driving	$1478	$252
Passing school bus	$1495	$249
Wrong way/wrong lane	$1749	$297
Operating a vehicle without permission	$1789	$298
At-fault accident - $1000-$2000	$1800	$306
At-fault accident - greater than $2000	$1800	$300
Open container	$1806	$307
Driving with a suspended license	$2094	$349
Reckless driving	$2551	$434
Racing	$2579	$429
Leaving scene of an accident/hit and run	$2590	$441
DUI	$2686	$447
Refusal to submit to a chemical test	$2686	$457

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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 Amador City 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 Amador City.

The cheapest car insurance premiums in Amador City are offered by Capital Insurance Group at $773 for a six-month policy. However, it can be as expensive as $711 with companies like AAA.

Amador City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$773	$129
Mercury	$1106	$186
Progressive	$1467	$247
Wawanesa	$1653	$281
Farmers	$1856	$313
CSAA	$1975	$333
USAA	$2037	$343
Travelers	$2313	$390
Auto Club	$3267	$544
AAA NorCal	$3572	$607
AAA SoCal	$4006	$668
State Farm	$5084	$856
Allstate	$5180	$872
AAA	$711	$121

Cheapest car insurance after a speeding ticket

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 Amador City are offered by CSAA at $90. However, it can be as expensive as $2483 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Amador City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$90	$15
Capital Insurance Group	$497	$85
Mercury	$1067	$180
USAA	$1089	$185
Progressive	$1094	$184
AAA NorCal	$1259	$214
AAA SoCal	$1743	$291
Allstate	$2212	$376
Farmers	$2303	$384
State Farm	$2461	$418
Travelers	$2483	$414

Car Insurance Price Trends in Amador City, California

Car insurance rates in Amador City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Amador City rose by $201 in January compared to $182 of December. In other words, there has been an increase by $19 when you compare January and December.

The average cost of liability insurance in the Amador City rose to $58 in January, compared to $52 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Amador City?

The car insurance in Amador City is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Amador City?

The cheapest car insurance in Amador City is $103 per month for full coverage.

How much is car insurance in Amador City for teenagers?

Car insurance for teenagers costs $395 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 Amador City?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $199 per month to insure your car in Amador City.

Is car insurance expensive in Amador City?

Car insurance can be expensive in Amador City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Amador City can be affordable.

Cheapest Car Insurance Quotes in Amador City

Why you can trust Way?

How Much Is Car Insurance in Amador City

Avg. Car Insurance in Amador City

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Amador City

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Amador City Car Insurance Rates by Company

Cheap Car Insurance Companies in Amador City, CA

Way's key takeaways about car insurance in Amador City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Amador City

Cheapest Liability Coverage in Amador City, CA

Cheapest Full Coverage Car Insurance in Amador City

Cheapest Full Coverage Car Insurance Quotes in Amador City, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Amador City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Amador City, CA increasing?

Car Insurance Premiums by Age in Amador City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Amador City,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Amador City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Amador City

Cheapest Car Insurance Companies after an At-Fault Accident in Amador City

Amador City Car Insurance Rates by Violation

Amador City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Amador City after a DUI

Amador City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Amador City after Speeding ticket

Car Insurance Price Trends in Amador City, California

Average Car Insurance Cost in Amador City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Amador City, CA

Car Insurance Rates by State in the USA (2025 Update)

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