Cheapest Car Insurance Quotes in Centerville

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Centerville Car Insurance

^$ 26

/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 Centerville

The car insurance rate in Centerville is $1104 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Centerville 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 Centerville

$1104

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Centerville

1st place: CSAA

At $636 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $852 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $935 for six months, making it the third cheapest auto insurance company in Centerville.

Centerville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Centerville, CA is CSAA, offering policies at just $636 for a six-month term. This is followed by Mercury, which has an average six-month premium of $852.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1358 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Centerville drivers find the best deals.

Cheap Car Insurance Companies in Centerville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$636	$107
Mercury	$852	$144
AAA SoCal	$935	$155
Progressive	$982	$165
USAA	$1040	$175
Allstate	$1076	$181
Wawanesa	$1082	$182
AAA NorCal	$1094	$186
Auto Club	$1129	$188
State Farm	$1194	$201
Kemper	$1406	$235
Farmers	$1570	$267
AAA	$1358	$227

Key Takeaways

Way's key takeaways about car insurance in Centerville

The auto insurance costs in Centerville fall around $636 for six months.
The cheapest auto insurance company in Centerville is CSAA.
Teen drivers pay the highest rate in Centerville at $577 per month.

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

Cheapest Minimum Liability Car Insurance in Centerville

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 Centerville are given below.

CSAA provides the cheapest minimum car insurance coverage in Centerville. Their Average 6 Month Premium is $152. Farmers is the most expensive at $500 for the same period.

Cheapest Liability Coverage in Centerville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$152	$26
USAA	$282	$48
AAA NorCal	$294	$50
AAA SoCal	$336	$57
Progressive	$342	$57
Auto Club	$347	$59
State Farm	$358	$60
Wawanesa	$364	$61
Mercury	$388	$65
AAA	$418	$71
Allstate	$418	$70
Farmers	$500	$85

Cheapest Full Coverage Car Insurance in Centerville

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 Centerville is CSAA at $107 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in Centerville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$636	$107
Mercury	$852	$144
AAA SoCal	$935	$155
Progressive	$982	$165
USAA	$1040	$175
Allstate	$1076	$181
Wawanesa	$1082	$182
AAA NorCal	$1094	$186
Auto Club	$1129	$188
State Farm	$1194	$201
Kemper	$1406	$235
Farmers	$1570	$267
AAA	$1358	$227

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Average Car Insurance in Centerville 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 Centerville, CA increasing?

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

Car Insurance Premiums by Age in Centerville

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	$579
30s	Wawanesa	$467
40s	Wawanesa	$467
50s	Wawanesa	$467
60s	Wawanesa	$467
70s	Wawanesa	$457

Cheapest Car Insurance Rates for Teen Drivers in Centerville,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Centerville at $68 per month. At $3464 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$412	$68
Capital Insurance Group	$518	$88
USAA	$1235	$208
Mercury	$1252	$211
Wawanesa	$1376	$230
Progressive	$1440	$243
CSAA	$1734	$292
State Farm	$2058	$347
AAA SoCal	$2228	$371
Allstate	$2388	$402
Auto Club	$2546	$425
AAA NorCal	$3393	$577
Farmers	$3464	$577

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 Centerville.

As young drivers face the highest rates in Centerville, Wawanesa offers the cheapest auto insurance rates at $579 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 Centerville.

Car Insurance Rates with An Accident in Centerville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Centerville

The cheapest car insurance companies after an at-fault accident in Centerville include AAA and Capital Insurance Group, offering $370 and $541, respectively. Allstate is an expensive provider with an average six-month premium of $2664.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$370	$61
Capital Insurance Group	$541	$92
CSAA	$724	$122
Mercury	$1046	$176
USAA	$1082	$182
Progressive	$1252	$211
Wawanesa	$1529	$254
AAA SoCal	$1606	$273
Auto Club	$1694	$282
Farmers	$1740	$293
State Farm	$2070	$348
AAA NorCal	$2217	$377
Allstate	$2664	$448

Centerville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Centerville CA. For example, the car insurance in Centerville after a DUI increases to $1723 for a six month policy. While the rate increases by $453 for a six-month policy in the case of a speeding ticket.

Centerville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1076	$179
Not-at-fault accident	$1076	$183
One comp claim	$1076	$179
One Med/PIP claim	$1076	$183
Two comp claims	$1076	$179
Two Med/PIP claims	$1076	$183
At-fault accident - less than $1000	$1100	$183
Failure to show documents	$1418	$241
Driving with expired registration	$1446	$242
Driving without lights	$1446	$246
Failure to wear a seat belt	$1452	$243
Child safety restraint	$1464	$248
Speeding 11 - 15 MPH over limit	$1523	$253
Speeding 16 - 20 MPH over limit	$1523	$259
Driving too slowly	$1529	$254
Failure to stop at a red light	$1529	$260
Failure to yield	$1529	$254
Following too closely	$1529	$260
Illegal turn	$1529	$254
In 65 MPH zone	$1529	$260
Speeding 21 - 25 MPH over limit	$1529	$254
Speeding 6 - 10 MPH over limit	$1529	$260
Speeding in school zone	$1529	$254
Improper passing	$1535	$261
Cell phone violation	$1540	$256
Texting while driving	$1540	$262
Passing school bus	$1558	$259
Wrong way/wrong lane	$1823	$310
Operating a vehicle without permission	$1864	$311
At-fault accident - $1000-$2000	$1876	$319
At-fault accident - greater than $2000	$1876	$313
Open container	$1882	$320
Driving with a suspended license	$2182	$363
Reckless driving	$2658	$452
Racing	$2688	$447
Leaving scene of an accident/hit and run	$2699	$459
DUI	$2799	$466
Refusal to submit to a chemical test	$2799	$476

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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 Centerville 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 Centerville.

The cheapest car insurance premiums in Centerville are offered by Capital Insurance Group at $806 for a six-month policy. However, it can be as expensive as $741 with companies like AAA.

Centerville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$806	$137
Mercury	$958	$161
Travelers	$1118	$190
Progressive	$1418	$239
Wawanesa	$1723	$293
Farmers	$1829	$308
USAA	$1946	$328
CSAA	$2058	$347
AAA SoCal	$2976	$506
Auto Club	$3405	$567
AAA NorCal	$3922	$667
State Farm	$4187	$705
Allstate	$4310	$726
AAA	$741	$126

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 Centerville are offered by CSAA at $94. However, it can be as expensive as $2223 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Centerville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$94	$16
Capital Insurance Group	$518	$88
Mercury	$882	$149
USAA	$924	$157
Progressive	$994	$167
AAA NorCal	$1376	$234
AAA SoCal	$1476	$246
Allstate	$1518	$258
State Farm	$1606	$267
Farmers	$2223	$378

Car Insurance Price Trends in Centerville, California

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

The average cost of full coverage in the Centerville remained steady at $190 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Centerville rose to $54 in January, compared to $53 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Centerville?

The car insurance in Centerville is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Centerville?

The cheapest car insurance in Centerville is $107 per month for full coverage.

How much is car insurance in Centerville for teenagers?

Car insurance for teenagers costs $412 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 Centerville?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $185 per month to insure your car in Centerville.

Is car insurance expensive in Centerville?

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

Cheapest Car Insurance Quotes in Centerville

Why you can trust Way?

How Much Is Car Insurance in Centerville

Avg. Car Insurance in Centerville

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Centerville

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Centerville Car Insurance Rates by Company

Cheap Car Insurance Companies in Centerville, CA

Way's key takeaways about car insurance in Centerville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Centerville

Cheapest Liability Coverage in Centerville, CA

Cheapest Full Coverage Car Insurance in Centerville

Cheapest Full Coverage Car Insurance Quotes in Centerville, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Centerville by Rating Factor

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

Car Insurance Premiums by Age in Centerville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Centerville,CA

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

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 Centerville

Cheapest Car Insurance Companies after an At-Fault Accident in Centerville

Centerville Car Insurance Rates by Violation

Centerville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Centerville after a DUI

Centerville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Centerville after Speeding ticket

Car Insurance Price Trends in Centerville, California

Average Car Insurance Cost in Centerville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Centerville, CA

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

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