Cheapest Car Insurance Quotes in Carmel Valley Village

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Carmel Valley Village Car Insurance

^$ 23

/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 Valley Village

The car insurance rate in Carmel Valley Village is $900 for a six-month policy, which is $111 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $571, making it a popular choice for budget-conscious drivers. Rates in Carmel Valley Village 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 Valley Village

$900

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Carmel Valley Village

1st place: CSAA

At $571 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $724 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $766 for six months, making it the third cheapest auto insurance company in Carmel Valley Village.

Carmel Valley Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carmel Valley Village, CA is CSAA, offering policies at just $571 for a six-month term. This is followed by USAA, which has an average six-month premium of $724.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $687 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carmel Valley Village drivers find the best deals.

Cheap Car Insurance Companies in Carmel Valley Village, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$571	$96
USAA	$724	$122
Mercury	$766	$129
AAA SoCal	$840	$143
Progressive	$883	$149
Allstate	$967	$163
Wawanesa	$973	$164
AAA NorCal	$983	$167
Auto Club	$1015	$169
State Farm	$1073	$181
AAA	$1221	$204
Kemper	$1264	$214
Farmers	$1412	$235
Capital Insurance Group	$629	$105
National General	$640	$109
State National	$651	$109
Hartford	$687	$117

Key Takeaways

Way's key takeaways about car insurance in Carmel Valley Village

The auto insurance costs in Carmel Valley Village fall around $571 for six months.
The cheapest auto insurance company in Carmel Valley Village is CSAA.
Teen drivers pay the highest rate in Carmel Valley Village at $60 per month.

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Cheapest Minimum Liability Car Insurance in Carmel Valley Village

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 Valley Village are given below.

CSAA provides the cheapest minimum car insurance coverage in Carmel Valley Village. Their Average 6 Month Premium is $137. 21st Century is the most expensive at $360 for the same period.

Cheapest Liability Coverage in Carmel Valley Village, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$137	$23
AAA	$243	$41
USAA	$254	$43
AAA NorCal	$264	$45
AAA SoCal	$302	$52
Progressive	$307	$52
Auto Club	$312	$53
State Farm	$322	$54
Wawanesa	$328	$55
Mercury	$349	$59
Allstate	$376	$63
Farmers	$449	$75
Kemper	$248	$42
Capital Insurance Group	$270	$46
State National	$286	$49
National General	$354	$59
21st Century	$360	$61

Cheapest Full Coverage Car Insurance in Carmel Valley Village

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 Valley Village is CSAA at $96 per month and $571 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carmel Valley Village, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$571	$96
USAA	$724	$122
Mercury	$766	$129
AAA SoCal	$840	$143
Progressive	$883	$149
Allstate	$967	$163
Wawanesa	$973	$164
AAA NorCal	$983	$167
Auto Club	$1015	$169
State Farm	$1073	$181
AAA	$1221	$204
Kemper	$1264	$214
Farmers	$1412	$235
Capital Insurance Group	$629	$105
National General	$640	$109
State National	$651	$109
Hartford	$687	$117

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Average Car Insurance in Carmel Valley Village 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 Valley Village, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Carmel Valley Village, 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 Valley Village'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 Valley Village

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	$521
30s	Wawanesa	$420
40s	Wawanesa	$420
50s	Wawanesa	$420
60s	Wawanesa	$420
70s	Wawanesa	$411

Cheapest Car Insurance Rates for Teen Drivers in Carmel Valley Village,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Carmel Valley Village at $35 per month. At $349 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$206	$35
Capital Insurance Group	$465	$77
USAA	$1110	$187
Mercury	$1126	$190
Wawanesa	$1237	$210
Progressive	$1295	$218
CSAA	$1559	$263
State Farm	$1850	$312
AAA SoCal	$2003	$341
Allstate	$2147	$361
Auto Club	$2289	$389
AAA NorCal	$3050	$508
Farmers	$3114	$530
State National	$333	$55
Marcury	$349	$60

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 Valley Village.

As young drivers face the highest rates in Carmel Valley Village, Wawanesa offers the cheapest auto insurance rates at $521 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 Valley Village.

Car Insurance Rates with An Accident in Carmel Valley Village

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

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

The cheapest car insurance companies after an at-fault accident in Carmel Valley Village include AAA and Capital Insurance Group, offering $338 and $486, respectively. 21st Century is an expensive provider with an average six-month premium of $608.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$338	$57
Capital Insurance Group	$486	$83
CSAA	$651	$109
USAA	$973	$164
Progressive	$1126	$190
Mercury	$1194	$203
Wawanesa	$1374	$229
AAA SoCal	$1444	$246
Auto Club	$1523	$254
Farmers	$1565	$263
State Farm	$1861	$313
AAA NorCal	$1993	$339
Allstate	$2395	$403
State National	$401	$67
Hartford	$465	$79
National General	$534	$89
Nationwide	$576	$98
21st Century	$608	$101

Carmel Valley Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carmel Valley Village CA. For example, the car insurance in Carmel Valley Village after a DUI increases to $1549 for a six month policy. While the rate increases by $407 for a six-month policy in the case of a speeding ticket.

Carmel Valley Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$967	$161
Not-at-fault accident	$967	$165
One comp claim	$967	$161
One Med/PIP claim	$967	$165
Two comp claims	$967	$161
Two Med/PIP claims	$967	$165
At-fault accident - less than $1000	$989	$165
Failure to show documents	$1274	$216
Driving with expired registration	$1300	$217
Driving without lights	$1300	$221
Failure to wear a seat belt	$1306	$218
Child safety restraint	$1316	$223
Speeding 11 - 15 MPH over limit	$1369	$228
Speeding 16 - 20 MPH over limit	$1369	$233
Driving too slowly	$1374	$229
Failure to stop at a red light	$1374	$234
Failure to yield	$1374	$229
Following too closely	$1374	$234
Illegal turn	$1374	$229
In 65 MPH zone	$1374	$234
Speeding 21 - 25 MPH over limit	$1374	$229
Speeding 6 - 10 MPH over limit	$1374	$234
Speeding in school zone	$1374	$229
Improper passing	$1380	$235
Cell phone violation	$1385	$231
Texting while driving	$1385	$236
Passing school bus	$1401	$233
Wrong way/wrong lane	$1638	$279
Operating a vehicle without permission	$1676	$279
At-fault accident - $1000-$2000	$1687	$287
At-fault accident - greater than $2000	$1687	$281
Open container	$1692	$287
Driving with a suspended license	$1962	$327
Reckless driving	$2390	$407
Racing	$2416	$402
Leaving scene of an accident/hit and run	$2426	$413
DUI	$2516	$419
Refusal to submit to a chemical test	$2516	$428

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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 Valley Village 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 Valley Village.

The cheapest car insurance premiums in Carmel Valley Village are offered by AAA at $666 for a six-month policy. However, it can be as expensive as $561 with companies like Kemper.

Carmel Valley Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$666	$113
Capital Insurance Group	$724	$121
Mercury	$862	$145
Progressive	$1274	$214
Wawanesa	$1549	$263
Farmers	$1644	$277
USAA	$1750	$295
CSAA	$1850	$312
AAA SoCal	$2675	$455
Auto Club	$3061	$510
AAA NorCal	$3526	$600
State Farm	$3764	$634
Allstate	$3875	$652
Travelers	$746	$125
National General	$349	$58
Kemper	$561	$93

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 Valley Village are offered by CSAA at $85. However, it can be as expensive as $401 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Carmel Valley Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$85	$14
Capital Insurance Group	$465	$77
Mercury	$793	$134
USAA	$830	$138
Progressive	$894	$150
AAA NorCal	$1237	$206
AAA SoCal	$1327	$226
Allstate	$1364	$227
State Farm	$1444	$246
Farmers	$1998	$333
AAA	$259	$44
Kemper	$328	$56
National General	$349	$58
State National	$401	$69

Car Insurance Price Trends in Carmel Valley Village, California

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

The average cost of full coverage in the Carmel Valley Village rose by $171 in December compared to $169 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Carmel Valley Village rose to $48 in December, compared to $46 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 Carmel Valley Village?

The car insurance in Carmel Valley Village is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Carmel Valley Village?

The cheapest car insurance in Carmel Valley Village is $96 per month for full coverage.

How much is car insurance in Carmel Valley Village for teenagers?

Car insurance for teenagers costs $206 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 Valley Village?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $151 per month to insure your car in Carmel Valley Village.

Is car insurance expensive in Carmel Valley Village?

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

Cheapest Car Insurance Quotes in Carmel Valley Village

Why you can trust Way?

How Much Is Car Insurance in Carmel Valley Village

Avg. Car Insurance in Carmel Valley Village

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Carmel Valley Village

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Carmel Valley Village Car Insurance Rates by Company

Cheap Car Insurance Companies in Carmel Valley Village, CA

Way's key takeaways about car insurance in Carmel Valley Village

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carmel Valley Village

Cheapest Liability Coverage in Carmel Valley Village, CA

Cheapest Full Coverage Car Insurance in Carmel Valley Village

Cheapest Full Coverage Car Insurance Quotes in Carmel Valley Village, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carmel Valley Village by Rating Factor

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

Car Insurance Premiums by Age in Carmel Valley Village

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carmel Valley Village,CA

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

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 Valley Village

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

Carmel Valley Village Car Insurance Rates by Violation

Carmel Valley Village auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carmel Valley Village after a DUI

Carmel Valley Village car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carmel Valley Village after Speeding ticket

Car Insurance Price Trends in Carmel Valley Village, California

Average Car Insurance Cost in Carmel Valley Village by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carmel Valley Village, CA

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

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