Cheapest Car Insurance Quotes in Avocado Heights

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Avocado Heights Car Insurance

^$ 30

/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 Avocado Heights

The car insurance rate in Avocado Heights is $1173 for a six-month policy, which is $162 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $745, making it a popular choice for budget-conscious drivers. Rates in Avocado Heights 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 Avocado Heights

$1173

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Avocado Heights

1st place: CSAA

At $745 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $944 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $999 for six months, making it the third cheapest auto insurance company in Avocado Heights.

Avocado Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Avocado Heights, CA is CSAA, offering policies at just $745 for a six-month term. This is followed by USAA, which has an average six-month premium of $944.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $896 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Avocado Heights drivers find the best deals.

Cheap Car Insurance Companies in Avocado Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$745	$125
USAA	$944	$159
Mercury	$999	$168
AAA SoCal	$1095	$187
Progressive	$1151	$194
Allstate	$1261	$212
Wawanesa	$1268	$213
AAA NorCal	$1282	$218
Auto Club	$1322	$220
State Farm	$1399	$235
AAA	$1592	$266
Kemper	$1647	$280
Farmers	$1840	$306
Capital Insurance Group	$820	$137
National General	$834	$142
State National	$848	$142
Hartford	$896	$152

Key Takeaways

Way's key takeaways about car insurance in Avocado Heights

The auto insurance costs in Avocado Heights fall around $745 for six months.
The cheapest auto insurance company in Avocado Heights is CSAA.
Teen drivers pay the highest rate in Avocado Heights at $78 per month.

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Cheapest Minimum Liability Car Insurance in Avocado Heights

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 Avocado Heights are given below.

CSAA provides the cheapest minimum car insurance coverage in Avocado Heights. Their Average 6 Month Premium is $179. 21st Century is the most expensive at $469 for the same period.

Cheapest Liability Coverage in Avocado Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$179	$30
AAA	$317	$53
USAA	$331	$56
AAA NorCal	$345	$58
AAA SoCal	$393	$67
Progressive	$400	$67
Auto Club	$406	$70
State Farm	$420	$71
Wawanesa	$427	$72
Mercury	$455	$77
Allstate	$490	$82
Farmers	$586	$97
Kemper	$324	$55
Capital Insurance Group	$351	$60
State National	$372	$64
National General	$462	$77
21st Century	$469	$80

Cheapest Full Coverage Car Insurance in Avocado Heights

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 Avocado Heights is CSAA at $125 per month and $745 for six months.

Cheapest Full Coverage Car Insurance Quotes in Avocado Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$745	$125
USAA	$944	$159
Mercury	$999	$168
AAA SoCal	$1095	$187
Progressive	$1151	$194
Allstate	$1261	$212
Wawanesa	$1268	$213
AAA NorCal	$1282	$218
Auto Club	$1322	$220
State Farm	$1399	$235
AAA	$1592	$266
Kemper	$1647	$280
Farmers	$1840	$306
Capital Insurance Group	$820	$137
National General	$834	$142
State National	$848	$142
Hartford	$896	$152

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Average Car Insurance in Avocado Heights 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 Avocado Heights, CA increasing?

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

Car Insurance Premiums by Age in Avocado Heights

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	$679
30s	Wawanesa	$548
40s	Wawanesa	$548
50s	Wawanesa	$548
60s	Wawanesa	$548
70s	Wawanesa	$536

Cheapest Car Insurance Rates for Teen Drivers in Avocado Heights,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Avocado Heights at $45 per month. At $455 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$269	$45
Capital Insurance Group	$607	$101
USAA	$1447	$244
Mercury	$1467	$247
Wawanesa	$1612	$274
Progressive	$1688	$284
CSAA	$2032	$342
State Farm	$2412	$406
AAA SoCal	$2611	$444
Allstate	$2798	$471
Auto Club	$2984	$507
AAA NorCal	$3975	$662
Farmers	$4059	$690
State National	$434	$72
Marcury	$455	$78

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 Avocado Heights.

As young drivers face the highest rates in Avocado Heights, Wawanesa offers the cheapest auto insurance rates at $679 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 Avocado Heights.

Car Insurance Rates with An Accident in Avocado Heights

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 Avocado Heights, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Avocado Heights

The cheapest car insurance companies after an at-fault accident in Avocado Heights include AAA and Capital Insurance Group, offering $441 and $633, respectively. 21st Century is an expensive provider with an average six-month premium of $792.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$441	$74
Capital Insurance Group	$633	$108
CSAA	$848	$143
USAA	$1268	$213
Progressive	$1467	$247
Mercury	$1557	$264
Wawanesa	$1791	$298
AAA SoCal	$1882	$320
Auto Club	$1985	$331
Farmers	$2039	$343
State Farm	$2426	$408
AAA NorCal	$2597	$442
Allstate	$3122	$525
State National	$523	$87
Hartford	$607	$103
National General	$696	$116
Nationwide	$751	$128
21st Century	$792	$132

Avocado Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Avocado Heights CA. For example, the car insurance in Avocado Heights after a DUI increases to $2018 for a six month policy. While the rate increases by $530 for a six-month policy in the case of a speeding ticket.

Avocado Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1261	$210
Not-at-fault accident	$1261	$215
One comp claim	$1261	$210
One Med/PIP claim	$1261	$215
Two comp claims	$1261	$210
Two Med/PIP claims	$1261	$215
At-fault accident - less than $1000	$1289	$215
Failure to show documents	$1661	$282
Driving with expired registration	$1695	$283
Driving without lights	$1695	$288
Failure to wear a seat belt	$1702	$284
Child safety restraint	$1716	$291
Speeding 11 - 15 MPH over limit	$1784	$297
Speeding 16 - 20 MPH over limit	$1784	$304
Driving too slowly	$1791	$298
Failure to stop at a red light	$1791	$305
Failure to yield	$1791	$298
Following too closely	$1791	$305
Illegal turn	$1791	$298
In 65 MPH zone	$1791	$305
Speeding 21 - 25 MPH over limit	$1791	$298
Speeding 6 - 10 MPH over limit	$1791	$305
Speeding in school zone	$1791	$298
Improper passing	$1798	$306
Cell phone violation	$1805	$300
Texting while driving	$1805	$307
Passing school bus	$1826	$304
Wrong way/wrong lane	$2136	$363
Operating a vehicle without permission	$2184	$364
At-fault accident - $1000-$2000	$2198	$374
At-fault accident - greater than $2000	$2198	$367
Open container	$2205	$375
Driving with a suspended license	$2557	$426
Reckless driving	$3115	$530
Racing	$3149	$524
Leaving scene of an accident/hit and run	$3162	$538
DUI	$3279	$546
Refusal to submit to a chemical test	$3279	$558

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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 Avocado Heights 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 Avocado Heights.

The cheapest car insurance premiums in Avocado Heights are offered by AAA at $868 for a six-month policy. However, it can be as expensive as $731 with companies like Kemper.

Avocado Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$868	$147
Capital Insurance Group	$944	$158
Mercury	$1123	$189
Progressive	$1661	$280
Wawanesa	$2018	$343
Farmers	$2143	$361
USAA	$2281	$384
CSAA	$2412	$406
AAA SoCal	$3487	$593
Auto Club	$3989	$665
AAA NorCal	$4596	$782
State Farm	$4906	$826
Allstate	$5051	$850
Travelers	$972	$162
National General	$455	$75
Kemper	$731	$122

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 Avocado Heights are offered by CSAA at $110. However, it can be as expensive as $523 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Avocado Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$110	$19
Capital Insurance Group	$607	$101
Mercury	$1034	$174
USAA	$1082	$180
Progressive	$1165	$196
AAA NorCal	$1612	$269
AAA SoCal	$1730	$295
Allstate	$1778	$296
State Farm	$1882	$320
Farmers	$2604	$434
AAA	$338	$57
Kemper	$427	$73
National General	$455	$75
State National	$523	$89

Car Insurance Price Trends in Avocado Heights, California

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

The average cost of full coverage in the Avocado Heights rose by $223 in December compared to $220 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 Avocado Heights rose to $63 in December, compared to $60 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Avocado Heights?

The car insurance in Avocado Heights is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Avocado Heights?

The cheapest car insurance in Avocado Heights is $125 per month for full coverage.

How much is car insurance in Avocado Heights for teenagers?

Car insurance for teenagers costs $269 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 Avocado Heights?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $197 per month to insure your car in Avocado Heights.

Is car insurance expensive in Avocado Heights?

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

Cheapest Car Insurance Quotes in Avocado Heights

Why you can trust Way?

How Much Is Car Insurance in Avocado Heights

Avg. Car Insurance in Avocado Heights

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Avocado Heights

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Avocado Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Avocado Heights, CA

Way's key takeaways about car insurance in Avocado Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Avocado Heights

Cheapest Liability Coverage in Avocado Heights, CA

Cheapest Full Coverage Car Insurance in Avocado Heights

Cheapest Full Coverage Car Insurance Quotes in Avocado Heights, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Avocado Heights by Rating Factor

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

Car Insurance Premiums by Age in Avocado Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Avocado Heights,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Avocado Heights.

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 Avocado Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Avocado Heights

Avocado Heights Car Insurance Rates by Violation

Avocado Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Avocado Heights after a DUI

Avocado Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Avocado Heights after Speeding ticket

Car Insurance Price Trends in Avocado Heights, California

Average Car Insurance Cost in Avocado Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Avocado Heights, CA

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

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