Cheapest Car Insurance Quotes in Apple Valley

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Apple Valley Car Insurance

^$ 28

/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 Apple Valley

The car insurance rate in Apple Valley is $1072 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $681, making it a popular choice for budget-conscious drivers. Rates in Apple Valley 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 Apple Valley

$1072

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Apple Valley

1st place: CSAA

At $681 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $863 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $913 for six months, making it the third cheapest auto insurance company in Apple Valley.

Apple Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Apple Valley, CA is CSAA, offering policies at just $681 for a six-month term. This is followed by USAA, which has an average six-month premium of $863.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $818 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Apple Valley drivers find the best deals.

Cheap Car Insurance Companies in Apple Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$681	$114
USAA	$863	$145
Mercury	$913	$154
AAA SoCal	$1001	$171
Progressive	$1052	$177
Allstate	$1152	$194
Wawanesa	$1159	$195
AAA NorCal	$1171	$199
Auto Club	$1208	$201
State Farm	$1278	$215
AAA	$1454	$243
Kemper	$1505	$255
Farmers	$1681	$280
Capital Insurance Group	$749	$125
National General	$762	$129
State National	$775	$129
Hartford	$818	$139

Key Takeaways

Way's key takeaways about car insurance in Apple Valley

The auto insurance costs in Apple Valley fall around $681 for six months.
The cheapest auto insurance company in Apple Valley is CSAA.
Teen drivers pay the highest rate in Apple Valley at $71 per month.

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

Cheapest Minimum Liability Car Insurance in Apple Valley

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 Apple Valley are given below.

CSAA provides the cheapest minimum car insurance coverage in Apple Valley. Their Average 6 Month Premium is $163. 21st Century is the most expensive at $428 for the same period.

Cheapest Liability Coverage in Apple Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$163	$28
AAA	$289	$49
USAA	$302	$51
AAA NorCal	$315	$53
AAA SoCal	$359	$61
Progressive	$366	$61
Auto Club	$371	$64
State Farm	$384	$65
Wawanesa	$390	$66
Mercury	$416	$70
Allstate	$447	$75
Farmers	$535	$89
Kemper	$296	$50
Capital Insurance Group	$321	$55
State National	$340	$58
National General	$422	$70
21st Century	$428	$73

Cheapest Full Coverage Car Insurance in Apple Valley

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 Apple Valley is CSAA at $114 per month and $681 for six months.

Cheapest Full Coverage Car Insurance Quotes in Apple Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$681	$114
USAA	$863	$145
Mercury	$913	$154
AAA SoCal	$1001	$171
Progressive	$1052	$177
Allstate	$1152	$194
Wawanesa	$1159	$195
AAA NorCal	$1171	$199
Auto Club	$1208	$201
State Farm	$1278	$215
AAA	$1454	$243
Kemper	$1505	$255
Farmers	$1681	$280
Capital Insurance Group	$749	$125
National General	$762	$129
State National	$775	$129
Hartford	$818	$139

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Average Car Insurance in Apple Valley 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 Apple Valley, CA increasing?

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

Car Insurance Premiums by Age in Apple Valley

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	$620
30s	Wawanesa	$500
40s	Wawanesa	$500
50s	Wawanesa	$500
60s	Wawanesa	$500
70s	Wawanesa	$490

Cheapest Car Insurance Rates for Teen Drivers in Apple Valley,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Apple Valley at $41 per month. At $416 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$246	$41
Capital Insurance Group	$554	$92
USAA	$1322	$223
Mercury	$1341	$226
Wawanesa	$1473	$250
Progressive	$1542	$260
CSAA	$1857	$313
State Farm	$2204	$371
AAA SoCal	$2386	$406
Allstate	$2557	$430
Auto Club	$2726	$463
AAA NorCal	$3633	$605
Farmers	$3709	$631
State National	$396	$66
Marcury	$416	$71

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 Apple Valley.

As young drivers face the highest rates in Apple Valley, Wawanesa offers the cheapest auto insurance rates at $620 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.

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Save up to $971/yr on car insurance rates in Apple Valley.

Car Insurance Rates with An Accident in Apple Valley

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 Apple Valley, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Apple Valley

The cheapest car insurance companies after an at-fault accident in Apple Valley include AAA and Capital Insurance Group, offering $403 and $579, respectively. 21st Century is an expensive provider with an average six-month premium of $724.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$403	$68
Capital Insurance Group	$579	$99
CSAA	$775	$130
USAA	$1159	$195
Progressive	$1341	$226
Mercury	$1423	$242
Wawanesa	$1637	$272
AAA SoCal	$1719	$293
Auto Club	$1814	$302
Farmers	$1863	$314
State Farm	$2216	$373
AAA NorCal	$2373	$404
Allstate	$2852	$480
State National	$478	$80
Hartford	$554	$94
National General	$636	$106
Nationwide	$686	$117
21st Century	$724	$121

Apple Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Apple Valley CA. For example, the car insurance in Apple Valley after a DUI increases to $1845 for a six month policy. While the rate increases by $485 for a six-month policy in the case of a speeding ticket.

Apple Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
Not-at-fault accident	$1152	$196
One comp claim	$1152	$192
One Med/PIP claim	$1152	$196
Two comp claims	$1152	$192
Two Med/PIP claims	$1152	$196
At-fault accident - less than $1000	$1178	$196
Failure to show documents	$1518	$258
Driving with expired registration	$1549	$259
Driving without lights	$1549	$263
Failure to wear a seat belt	$1555	$260
Child safety restraint	$1568	$266
Speeding 11 - 15 MPH over limit	$1630	$271
Speeding 16 - 20 MPH over limit	$1630	$278
Driving too slowly	$1637	$272
Failure to stop at a red light	$1637	$279
Failure to yield	$1637	$272
Following too closely	$1637	$279
Illegal turn	$1637	$272
In 65 MPH zone	$1637	$279
Speeding 21 - 25 MPH over limit	$1637	$272
Speeding 6 - 10 MPH over limit	$1637	$279
Speeding in school zone	$1637	$272
Improper passing	$1643	$280
Cell phone violation	$1649	$275
Texting while driving	$1649	$281
Passing school bus	$1668	$278
Wrong way/wrong lane	$1951	$332
Operating a vehicle without permission	$1996	$333
At-fault accident - $1000-$2000	$2009	$341
At-fault accident - greater than $2000	$2009	$335
Open container	$2015	$342
Driving with a suspended license	$2336	$389
Reckless driving	$2846	$484
Racing	$2878	$479
Leaving scene of an accident/hit and run	$2890	$492
DUI	$2997	$499
Refusal to submit to a chemical test	$2997	$510

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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 Apple Valley 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 Apple Valley.

The cheapest car insurance premiums in Apple Valley are offered by AAA at $793 for a six-month policy. However, it can be as expensive as $668 with companies like Kemper.

Apple Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$793	$135
Capital Insurance Group	$863	$144
Mercury	$1026	$173
Progressive	$1518	$255
Wawanesa	$1844	$314
Farmers	$1958	$330
USAA	$2084	$351
CSAA	$2204	$371
AAA SoCal	$3186	$542
Auto Club	$3645	$607
AAA NorCal	$4200	$714
State Farm	$4483	$755
Allstate	$4615	$777
Travelers	$888	$148
National General	$416	$69
Kemper	$668	$111

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 Apple Valley are offered by CSAA at $101. However, it can be as expensive as $478 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Apple Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$101	$17
Capital Insurance Group	$554	$92
Mercury	$944	$159
USAA	$989	$164
Progressive	$1064	$179
AAA NorCal	$1473	$246
AAA SoCal	$1580	$269
Allstate	$1625	$270
State Farm	$1719	$293
Farmers	$2380	$396
AAA	$308	$52
Kemper	$390	$67
National General	$416	$69
State National	$478	$82

Car Insurance Price Trends in Apple Valley, California

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

The average cost of full coverage in the Apple Valley rose by $204 in December compared to $201 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Apple Valley rose to $57 in December, compared to $55 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Apple Valley?

The car insurance in Apple Valley is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Apple Valley?

The cheapest car insurance in Apple Valley is $114 per month for full coverage.

How much is car insurance in Apple Valley for teenagers?

Car insurance for teenagers costs $246 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 Apple Valley?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $180 per month to insure your car in Apple Valley.

Is car insurance expensive in Apple Valley?

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

Cheapest Car Insurance Quotes in Apple Valley

Why you can trust Way?

How Much Is Car Insurance in Apple Valley

Avg. Car Insurance in Apple Valley

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Apple Valley

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Apple Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Apple Valley, CA

Way's key takeaways about car insurance in Apple Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Apple Valley

Cheapest Liability Coverage in Apple Valley, CA

Cheapest Full Coverage Car Insurance in Apple Valley

Cheapest Full Coverage Car Insurance Quotes in Apple Valley, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Apple Valley by Rating Factor

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

Car Insurance Premiums by Age in Apple Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Apple Valley,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Apple Valley.

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 Apple Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Apple Valley

Apple Valley Car Insurance Rates by Violation

Apple Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Apple Valley after a DUI

Apple Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Apple Valley after Speeding ticket

Car Insurance Price Trends in Apple Valley, California

Average Car Insurance Cost in Apple Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Apple Valley, CA

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

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