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Cheapest Car Insurance Quotes in Cardiff-by-the-Sea
Finding the cheapest car insurance quotes in Cardiff-by-the-Sea 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 Cardiff-by-the-Sea
The car insurance rate in Cardiff-by-the-Sea is $1121 for a six-month policy, which is $124 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $578, making it a popular choice for budget-conscious drivers. Rates in Cardiff-by-the-Sea 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.
Cheapest Car Insurance Companies in Cardiff-by-the-Sea
1st place: CSAA
At $578 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Mercury
Mercury offers auto
insurance rates at $925 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 $941
for six months, making it
the third cheapest auto insurance company in Cardiff-by-the-Sea.
Cardiff-by-the-Sea Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cardiff-by-the-Sea, CA is CSAA, offering policies at just $578 for a six-month term. This is followed by Mercury, which has an average six-month premium of $925.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1235 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cardiff-by-the-Sea drivers find the best deals.
Cheap Car Insurance Companies in Cardiff-by-the-Sea, CA
Way's key takeaways about car insurance in Cardiff-by-the-Sea
The auto insurance costs in Cardiff-by-the-Sea fall around $578 for six
months.
The cheapest auto insurance company in Cardiff-by-the-Sea is CSAA.
Teen drivers pay the highest rate in Cardiff-by-the-Sea at $543 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cardiff-by-the-Sea
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 Cardiff-by-the-Sea are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Cardiff-by-the-Sea. Their Average 6 Month Premium is $139.
Travelers is the most
expensive at $588 for the same
period.
Cheapest Liability Coverage in Cardiff-by-the-Sea, CA
Cheapest Full Coverage Car Insurance in Cardiff-by-the-Sea
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 Cardiff-by-the-Sea is CSAA
at $97 per month and $578
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cardiff-by-the-Sea,
CA
Get Your Car Insurance Quote in Cardiff-by-the-Sea
Instantly!
Average Car Insurance in Cardiff-by-the-Sea 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 Cardiff-by-the-Sea, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cardiff-by-the-Sea, 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, Cardiff-by-the-Sea's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cardiff-by-the-Sea
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
$540
30s
Wawanesa
$436
40s
Wawanesa
$436
50s
Wawanesa
$436
60s
Wawanesa
$436
70s
Wawanesa
$427
Cheapest Car Insurance Rates for Teen Drivers in
Cardiff-by-the-Sea,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Cardiff-by-the-Sea at $64
per
month. At $3255 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 Cardiff-by-the-Sea.
As young drivers face the highest rates in Cardiff-by-the-Sea, Wawanesa
offers the cheapest auto insurance rates at $540 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 Cardiff-by-the-Sea,
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
Cardiff-by-the-Sea is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Escape the Trap of Rising Insurance Costs.
Save up to $971/yr on car insurance rates in Cardiff-by-the-Sea.
Car Insurance Rates with An Accident in Cardiff-by-the-Sea
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 Cardiff-by-the-Sea, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cardiff-by-the-Sea
The cheapest car insurance companies after an at-fault accident in
Cardiff-by-the-Sea include AAA
and Capital Insurance Group, offering $337
and $491,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3106.
Cardiff-by-the-Sea Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Cardiff-by-the-Sea CA. For example, the car
insurance in Cardiff-by-the-Sea
after a DUI increases to $1566 for a six
month policy. While the rate increases by $412 for a six-month policy in the case of
a speeding ticket.
Cardiff-by-the-Sea auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$978
$163
Not-at-fault accident
$978
$167
One comp claim
$978
$163
One Med/PIP claim
$978
$167
Two comp claims
$978
$163
Two Med/PIP claims
$978
$167
At-fault accident - less than $1000
$1000
$167
Failure to show documents
$1289
$219
Driving with expired registration
$1315
$220
Driving without lights
$1315
$223
Failure to wear a seat belt
$1320
$221
Child safety restraint
$1331
$226
Speeding 11 - 15 MPH over limit
$1384
$230
Speeding 16 - 20 MPH over limit
$1384
$236
Driving too slowly
$1390
$231
Failure to stop at a red light
$1390
$237
Failure to yield
$1390
$231
Following too closely
$1390
$237
Illegal turn
$1390
$231
In 65 MPH zone
$1390
$237
Speeding 21 - 25 MPH over limit
$1390
$231
Speeding 6 - 10 MPH over limit
$1390
$237
Speeding in school zone
$1390
$231
Improper passing
$1395
$238
Cell phone violation
$1400
$233
Texting while driving
$1400
$239
Passing school bus
$1417
$236
Wrong way/wrong lane
$1657
$282
Operating a vehicle without permission
$1695
$283
At-fault accident - $1000-$2000
$1706
$290
At-fault accident - greater than $2000
$1706
$284
Open container
$1711
$291
Driving with a suspended license
$1984
$330
Reckless driving
$2417
$411
Racing
$2444
$407
Leaving scene of an accident/hit and run
$2453
$418
DUI
$2544
$424
Refusal to submit to a chemical test
$2544
$433
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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 Cardiff-by-the-Sea 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 Cardiff-by-the-Sea.
The cheapest car insurance premiums in
Cardiff-by-the-Sea are
offered by Capital Insurance Group at $733 for a six-month policy.
However, it can be as
expensive as $673 with companies
like AAA.
Cardiff-by-the-Sea car insurance quotes with a DUI
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 Cardiff-by-the-Sea are offered by CSAA
at $86. However,
it can be as expensive as $2353
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Cardiff-by-the-Sea after Speeding ticket
Car Insurance Price Trends in Cardiff-by-the-Sea,
California
Car insurance rates in Cardiff-by-the-Sea have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cardiff-by-the-Sea rose by
$191 in January
compared to $173 of December. In other words, there has been an increase by $18 when you
compare January and December.
The average cost of liability insurance in the Cardiff-by-the-Sea rose to $55 in January,
compared to $50 in December.
This represents an increase of $5
when comparing January and December.
Average Car Insurance Cost in Cardiff-by-the-Sea 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
Cardiff-by-the-Sea. 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 Cardiff-by-the-Sea?
The car insurance in Cardiff-by-the-Sea is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Cardiff-by-the-Sea?
The cheapest car insurance in Cardiff-by-the-Sea
is $97 per month
for full coverage.
How much is car insurance in Cardiff-by-the-Sea for teenagers?
Car insurance for teenagers costs $374 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
Cardiff-by-the-Sea?
The average cost of car insurance is $1245 for a six-month
policy. It will cost around $188 per month to insure your
car in Cardiff-by-the-Sea.
Is car insurance expensive in Cardiff-by-the-Sea?
Car insurance can be expensive in Cardiff-by-the-Sea if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cardiff-by-the-Sea can be
affordable.
What is the best car insurance in Cardiff-by-the-Sea,
CA?
The best car insurance company in Cardiff-by-the-Sea
CA is
CSAA, offering $578 for a
six-month policy.
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Cardiff-by-the-Sea Car Insurance
