Cheapest Car Insurance Quotes in Carmel-by-the-Sea

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Carmel-by-the-Sea Car Insurance

^$ 22

/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 Carmel-by-the-Sea

The car insurance rate in Carmel-by-the-Sea is $1058 for a six-month policy, which is $187 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $546, making it a popular choice for budget-conscious drivers. Rates in Carmel-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.

Avg. Car Insurance in Carmel-by-the-Sea

$1058

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Carmel-by-the-Sea

1st place: CSAA

At $546 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $874 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 $888 for six months, making it the third cheapest auto insurance company in Carmel-by-the-Sea.

Carmel-by-the-Sea Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carmel-by-the-Sea, CA is CSAA, offering policies at just $546 for a six-month term. This is followed by Mercury, which has an average six-month premium of $874.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1166 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carmel-by-the-Sea drivers find the best deals.

Cheap Car Insurance Companies in Carmel-by-the-Sea, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$546	$92
Mercury	$874	$147
AAA NorCal	$888	$151
Progressive	$888	$150
Wawanesa	$929	$156
USAA	$944	$159
Auto Club	$969	$165
Allstate	$1080	$182
AAA SoCal	$1141	$194
Kemper	$1207	$201
State Farm	$1293	$218
Travelers	$1444	$241
Farmers	$1449	$247
AAA	$1166	$195

Key Takeaways

Way's key takeaways about car insurance in Carmel-by-the-Sea

The auto insurance costs in Carmel-by-the-Sea fall around $546 for six months.
The cheapest auto insurance company in Carmel-by-the-Sea is CSAA.
Teen drivers pay the highest rate in Carmel-by-the-Sea at $513 per month.

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

Cheapest Minimum Liability Car Insurance in Carmel-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 Carmel-by-the-Sea are given below.

CSAA provides the cheapest minimum car insurance coverage in Carmel-by-the-Sea. Their Average 6 Month Premium is $131. Travelers is the most expensive at $555 for the same period.

Cheapest Liability Coverage in Carmel-by-the-Sea, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$131	$22
AAA NorCal	$217	$37
USAA	$247	$42
Progressive	$293	$49
Auto Club	$298	$49
Wawanesa	$313	$53
AAA	$359	$60
AAA SoCal	$364	$62
Mercury	$364	$61
State Farm	$399	$67
Allstate	$460	$77
Farmers	$495	$84
Travelers	$555	$93

Cheapest Full Coverage Car Insurance in Carmel-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 Carmel-by-the-Sea is CSAA at $92 per month and $546 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carmel-by-the-Sea, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$546	$92
Mercury	$874	$147
AAA NorCal	$888	$151
Progressive	$888	$150
Wawanesa	$929	$156
USAA	$944	$159
Auto Club	$969	$165
Allstate	$1080	$182
AAA SoCal	$1141	$194
Kemper	$1207	$201
State Farm	$1293	$218
Travelers	$1444	$241
Farmers	$1449	$247
AAA	$1166	$195

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Average Car Insurance in Carmel-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 Carmel-by-the-Sea, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Carmel-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, Carmel-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 Carmel-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	$510
30s	Wawanesa	$411
40s	Wawanesa	$411
50s	Wawanesa	$411
60s	Wawanesa	$411
70s	Wawanesa	$403

Cheapest Car Insurance Rates for Teen Drivers in Carmel-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 Carmel-by-the-Sea at $60 per month. At $3074 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$354	$60
Capital Insurance Group	$445	$74
USAA	$1156	$195
Wawanesa	$1182	$197
Progressive	$1353	$228
Mercury	$1403	$236
CSAA	$1489	$251
Auto Club	$2186	$365
State Farm	$2231	$376
Allstate	$2595	$437
AAA SoCal	$2746	$467
AAA NorCal	$2782	$463
Travelers	$2888	$491
Farmers	$3074	$513

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 Carmel-by-the-Sea.

As young drivers face the highest rates in Carmel-by-the-Sea, Wawanesa offers the cheapest auto insurance rates at $510 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 Carmel-by-the-Sea.

Car Insurance Rates with An Accident in Carmel-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 Carmel-by-the-Sea, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Carmel-by-the-Sea

The cheapest car insurance companies after an at-fault accident in Carmel-by-the-Sea include AAA and Capital Insurance Group, offering $318 and $464, respectively. Allstate is an expensive provider with an average six-month premium of $2933.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$318	$53
Capital Insurance Group	$464	$79
CSAA	$621	$105
USAA	$1020	$172
Mercury	$1116	$188
Progressive	$1166	$196
Wawanesa	$1312	$218
Auto Club	$1454	$247
Farmers	$1590	$268
AAA NorCal	$1803	$307
AAA SoCal	$1954	$326
State Farm	$2308	$388
Travelers	$2782	$463
Allstate	$2933	$494

Carmel-by-the-Sea Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carmel-by-the-Sea CA. For example, the car insurance in Carmel-by-the-Sea after a DUI increases to $1479 for a six month policy. While the rate increases by $388 for a six-month policy in the case of a speeding ticket.

Carmel-by-the-Sea auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$924	$154
Not-at-fault accident	$924	$157
One comp claim	$924	$154
One Med/PIP claim	$924	$157
Two comp claims	$924	$154
Two Med/PIP claims	$924	$157
At-fault accident - less than $1000	$944	$157
Failure to show documents	$1217	$207
Driving with expired registration	$1242	$207
Driving without lights	$1242	$211
Failure to wear a seat belt	$1247	$208
Child safety restraint	$1257	$213
Speeding 11 - 15 MPH over limit	$1307	$218
Speeding 16 - 20 MPH over limit	$1307	$223
Driving too slowly	$1312	$218
Failure to stop at a red light	$1312	$224
Failure to yield	$1312	$218
Following too closely	$1312	$224
Illegal turn	$1312	$218
In 65 MPH zone	$1312	$224
Speeding 21 - 25 MPH over limit	$1312	$218
Speeding 6 - 10 MPH over limit	$1312	$224
Speeding in school zone	$1312	$218
Improper passing	$1318	$224
Cell phone violation	$1323	$220
Texting while driving	$1323	$225
Passing school bus	$1338	$223
Wrong way/wrong lane	$1565	$266
Operating a vehicle without permission	$1601	$267
At-fault accident - $1000-$2000	$1611	$274
At-fault accident - greater than $2000	$1611	$269
Open container	$1616	$275
Driving with a suspended license	$1873	$312
Reckless driving	$2282	$388
Racing	$2308	$384
Leaving scene of an accident/hit and run	$2317	$394
DUI	$2403	$400
Refusal to submit to a chemical test	$2403	$409

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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 Carmel-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 Carmel-by-the-Sea.

The cheapest car insurance premiums in Carmel-by-the-Sea are offered by Capital Insurance Group at $692 for a six-month policy. However, it can be as expensive as $636 with companies like AAA.

Carmel-by-the-Sea car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$692	$116
Mercury	$989	$167
Progressive	$1312	$221
Wawanesa	$1479	$252
Farmers	$1661	$280
CSAA	$1767	$298
USAA	$1822	$307
Travelers	$2070	$349
Auto Club	$2923	$487
AAA NorCal	$3196	$543
AAA SoCal	$3584	$598
State Farm	$4549	$766
Allstate	$4635	$780
AAA	$636	$108

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 Carmel-by-the-Sea are offered by CSAA at $81. However, it can be as expensive as $2222 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Carmel-by-the-Sea after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$81	$14
Capital Insurance Group	$445	$76
Mercury	$955	$161
USAA	$974	$166
Progressive	$979	$165
AAA NorCal	$1126	$191
AAA SoCal	$1560	$260
Allstate	$1979	$337
Farmers	$2060	$343
State Farm	$2202	$374
Travelers	$2222	$371

Car Insurance Price Trends in Carmel-by-the-Sea, California

Car insurance rates in Carmel-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 Carmel-by-the-Sea rose by $180 in January compared to $163 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 Carmel-by-the-Sea rose to $52 in January, compared to $47 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Carmel-by-the-Sea?

The car insurance in Carmel-by-the-Sea is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Carmel-by-the-Sea?

The cheapest car insurance in Carmel-by-the-Sea is $92 per month for full coverage.

How much is car insurance in Carmel-by-the-Sea for teenagers?

Car insurance for teenagers costs $354 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 Carmel-by-the-Sea?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $178 per month to insure your car in Carmel-by-the-Sea.

Is car insurance expensive in Carmel-by-the-Sea?

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

Cheapest Car Insurance Quotes in Carmel-by-the-Sea

Why you can trust Way?

How Much Is Car Insurance in Carmel-by-the-Sea

Avg. Car Insurance in Carmel-by-the-Sea

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Carmel-by-the-Sea

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Carmel-by-the-Sea Car Insurance Rates by Company

Cheap Car Insurance Companies in Carmel-by-the-Sea, CA

Way's key takeaways about car insurance in Carmel-by-the-Sea

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carmel-by-the-Sea

Cheapest Liability Coverage in Carmel-by-the-Sea, CA

Cheapest Full Coverage Car Insurance in Carmel-by-the-Sea

Cheapest Full Coverage Car Insurance Quotes in Carmel-by-the-Sea, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carmel-by-the-Sea by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Carmel-by-the-Sea, CA increasing?

Car Insurance Premiums by Age in Carmel-by-the-Sea

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carmel-by-the-Sea,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Carmel-by-the-Sea.

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 Carmel-by-the-Sea

Cheapest Car Insurance Companies after an At-Fault Accident in Carmel-by-the-Sea

Carmel-by-the-Sea Car Insurance Rates by Violation

Carmel-by-the-Sea auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carmel-by-the-Sea after a DUI

Carmel-by-the-Sea car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carmel-by-the-Sea after Speeding ticket

Car Insurance Price Trends in Carmel-by-the-Sea, California

Average Car Insurance Cost in Carmel-by-the-Sea by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carmel-by-the-Sea, CA

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

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