Cheapest Car Insurance Quotes in Charter Oak

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Charter Oak Car Insurance

^$ 28

/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 Charter Oak

The car insurance rate in Charter Oak is $1332 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in Charter Oak 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 Charter Oak

$1332

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Charter Oak

1st place: CSAA

At $687 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1100 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 $1118 for six months, making it the third cheapest auto insurance company in Charter Oak.

Charter Oak Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Charter Oak, CA is CSAA, offering policies at just $687 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1100.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1468 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Charter Oak drivers find the best deals.

Cheap Car Insurance Companies in Charter Oak, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$687	$116
Mercury	$1100	$185
AAA NorCal	$1118	$190
Progressive	$1118	$188
Wawanesa	$1170	$197
USAA	$1189	$200
Auto Club	$1220	$208
Allstate	$1360	$229
AAA SoCal	$1436	$244
Kemper	$1519	$254
State Farm	$1627	$274
Travelers	$1818	$303
Farmers	$1824	$310
AAA	$1468	$245

Key Takeaways

Way's key takeaways about car insurance in Charter Oak

The auto insurance costs in Charter Oak fall around $687 for six months.
The cheapest auto insurance company in Charter Oak is CSAA.
Teen drivers pay the highest rate in Charter Oak at $645 per month.

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Cheapest Minimum Liability Car Insurance in Charter Oak

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 Charter Oak are given below.

CSAA provides the cheapest minimum car insurance coverage in Charter Oak. Their Average 6 Month Premium is $165. Travelers is the most expensive at $699 for the same period.

Cheapest Liability Coverage in Charter Oak, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$165	$28
AAA NorCal	$273	$46
USAA	$311	$52
Progressive	$369	$62
Auto Club	$375	$62
Wawanesa	$394	$66
AAA	$452	$75
AAA SoCal	$458	$78
Mercury	$458	$77
State Farm	$502	$85
Allstate	$579	$97
Farmers	$623	$106
Travelers	$699	$117

Cheapest Full Coverage Car Insurance in Charter Oak

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 Charter Oak is CSAA at $116 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charter Oak, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$687	$116
Mercury	$1100	$185
AAA NorCal	$1118	$190
Progressive	$1118	$188
Wawanesa	$1170	$197
USAA	$1189	$200
Auto Club	$1220	$208
Allstate	$1360	$229
AAA SoCal	$1436	$244
Kemper	$1519	$254
State Farm	$1627	$274
Travelers	$1818	$303
Farmers	$1824	$310
AAA	$1468	$245

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Average Car Insurance in Charter Oak 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 Charter Oak, CA increasing?

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

Car Insurance Premiums by Age in Charter Oak

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	$642
30s	Wawanesa	$518
40s	Wawanesa	$518
50s	Wawanesa	$518
60s	Wawanesa	$518
70s	Wawanesa	$507

Cheapest Car Insurance Rates for Teen Drivers in Charter Oak,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Charter Oak at $76 per month. At $3870 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$445	$76
Capital Insurance Group	$560	$93
USAA	$1455	$245
Wawanesa	$1487	$248
Progressive	$1703	$287
Mercury	$1767	$297
CSAA	$1875	$316
Auto Club	$2752	$459
State Farm	$2809	$473
Allstate	$3267	$550
AAA SoCal	$3457	$587
AAA NorCal	$3502	$583
Travelers	$3636	$618
Farmers	$3870	$645

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 Charter Oak.

As young drivers face the highest rates in Charter Oak, Wawanesa offers the cheapest auto insurance rates at $642 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 Charter Oak.

Car Insurance Rates with An Accident in Charter Oak

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

Cheapest Car Insurance Companies after an At-Fault Accident in Charter Oak

The cheapest car insurance companies after an at-fault accident in Charter Oak include AAA and Capital Insurance Group, offering $400 and $584, respectively. Allstate is an expensive provider with an average six-month premium of $3693.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$400	$66
Capital Insurance Group	$584	$100
CSAA	$782	$132
USAA	$1284	$216
Mercury	$1405	$236
Progressive	$1468	$247
Wawanesa	$1652	$275
Auto Club	$1831	$311
Farmers	$2002	$337
AAA NorCal	$2269	$386
AAA SoCal	$2460	$410
State Farm	$2905	$489
Travelers	$3502	$583
Allstate	$3693	$622

Charter Oak Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Charter Oak CA. For example, the car insurance in Charter Oak after a DUI increases to $1862 for a six month policy. While the rate increases by $489 for a six-month policy in the case of a speeding ticket.

Charter Oak auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1163	$194
Not-at-fault accident	$1163	$198
One comp claim	$1163	$194
One Med/PIP claim	$1163	$198
Two comp claims	$1163	$194
Two Med/PIP claims	$1163	$198
At-fault accident - less than $1000	$1189	$198
Failure to show documents	$1532	$260
Driving with expired registration	$1563	$261
Driving without lights	$1563	$265
Failure to wear a seat belt	$1570	$262
Child safety restraint	$1583	$269
Speeding 11 - 15 MPH over limit	$1646	$274
Speeding 16 - 20 MPH over limit	$1646	$280
Driving too slowly	$1652	$275
Failure to stop at a red light	$1652	$281
Failure to yield	$1652	$275
Following too closely	$1652	$281
Illegal turn	$1652	$275
In 65 MPH zone	$1652	$281
Speeding 21 - 25 MPH over limit	$1652	$275
Speeding 6 - 10 MPH over limit	$1652	$281
Speeding in school zone	$1652	$275
Improper passing	$1659	$282
Cell phone violation	$1665	$277
Texting while driving	$1665	$284
Passing school bus	$1684	$280
Wrong way/wrong lane	$1970	$335
Operating a vehicle without permission	$2015	$336
At-fault accident - $1000-$2000	$2028	$345
At-fault accident - greater than $2000	$2028	$338
Open container	$2034	$346
Driving with a suspended license	$2358	$393
Reckless driving	$2873	$489
Racing	$2905	$484
Leaving scene of an accident/hit and run	$2917	$496
DUI	$3025	$504
Refusal to submit to a chemical test	$3025	$515

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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 Charter Oak 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 Charter Oak.

The cheapest car insurance premiums in Charter Oak are offered by Capital Insurance Group at $871 for a six-month policy. However, it can be as expensive as $800 with companies like AAA.

Charter Oak car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$871	$146
Mercury	$1245	$210
Progressive	$1652	$278
Wawanesa	$1862	$317
Farmers	$2091	$352
CSAA	$2225	$375
USAA	$2294	$386
Travelers	$2605	$439
Auto Club	$3680	$613
AAA NorCal	$4023	$684
AAA SoCal	$4512	$752
State Farm	$5727	$964
Allstate	$5835	$982
AAA	$800	$136

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 Charter Oak are offered by CSAA at $102. However, it can be as expensive as $2797 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Charter Oak after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$102	$17
Capital Insurance Group	$560	$95
Mercury	$1202	$202
USAA	$1226	$209
Progressive	$1233	$208
AAA NorCal	$1418	$241
AAA SoCal	$1963	$327
Allstate	$2491	$424
Farmers	$2594	$432
State Farm	$2771	$471
Travelers	$2797	$467

Car Insurance Price Trends in Charter Oak, California

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

The average cost of full coverage in the Charter Oak rose by $227 in January compared to $205 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Charter Oak rose to $65 in January, compared to $59 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Charter Oak?

The car insurance in Charter Oak is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Charter Oak?

The cheapest car insurance in Charter Oak is $116 per month for full coverage.

How much is car insurance in Charter Oak for teenagers?

Car insurance for teenagers costs $445 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 Charter Oak?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $224 per month to insure your car in Charter Oak.

Is car insurance expensive in Charter Oak?

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

Cheapest Car Insurance Quotes in Charter Oak

Why you can trust Way?

How Much Is Car Insurance in Charter Oak

Avg. Car Insurance in Charter Oak

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Charter Oak

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Charter Oak Car Insurance Rates by Company

Cheap Car Insurance Companies in Charter Oak, CA

Way's key takeaways about car insurance in Charter Oak

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Charter Oak

Cheapest Liability Coverage in Charter Oak, CA

Cheapest Full Coverage Car Insurance in Charter Oak

Cheapest Full Coverage Car Insurance Quotes in Charter Oak, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Charter Oak by Rating Factor

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

Car Insurance Premiums by Age in Charter Oak

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Charter Oak,CA

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

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 Charter Oak

Cheapest Car Insurance Companies after an At-Fault Accident in Charter Oak

Charter Oak Car Insurance Rates by Violation

Charter Oak auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Charter Oak after a DUI

Charter Oak car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Charter Oak after Speeding ticket

Car Insurance Price Trends in Charter Oak, California

Average Car Insurance Cost in Charter Oak by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Charter Oak, CA

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

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