Cheapest Car Insurance Quotes in Cloverdale

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Cloverdale 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 Cloverdale

The car insurance rate in Cloverdale is $890 for a six-month policy, which is $121 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $565, making it a popular choice for budget-conscious drivers. Rates in Cloverdale 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 Cloverdale

$890

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Cloverdale

1st place: CSAA

At $565 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $716 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $758 for six months, making it the third cheapest auto insurance company in Cloverdale.

Cloverdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cloverdale, CA is CSAA, offering policies at just $565 for a six-month term. This is followed by USAA, which has an average six-month premium of $716.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $679 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cloverdale drivers find the best deals.

Cheap Car Insurance Companies in Cloverdale, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$565	$95
USAA	$716	$121
Mercury	$758	$128
AAA SoCal	$831	$142
Progressive	$873	$147
Allstate	$957	$161
Wawanesa	$962	$162
AAA NorCal	$972	$165
Auto Club	$1003	$167
State Farm	$1061	$179
AAA	$1207	$202
Kemper	$1250	$212
Farmers	$1396	$232
Capital Insurance Group	$622	$104
National General	$633	$107
State National	$643	$107
Hartford	$679	$115

Key Takeaways

Way's key takeaways about car insurance in Cloverdale

The auto insurance costs in Cloverdale fall around $565 for six months.
The cheapest auto insurance company in Cloverdale is CSAA.
Teen drivers pay the highest rate in Cloverdale at $59 per month.

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Cheapest Minimum Liability Car Insurance in Cloverdale

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 Cloverdale are given below.

CSAA provides the cheapest minimum car insurance coverage in Cloverdale. Their Average 6 Month Premium is $136. 21st Century is the most expensive at $356 for the same period.

Cheapest Liability Coverage in Cloverdale, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$136	$23
AAA	$240	$40
USAA	$251	$42
AAA NorCal	$261	$44
AAA SoCal	$298	$51
Progressive	$304	$51
Auto Club	$308	$53
State Farm	$319	$54
Wawanesa	$324	$55
Mercury	$345	$58
Allstate	$371	$62
Farmers	$444	$74
Kemper	$246	$41
Capital Insurance Group	$267	$46
State National	$282	$48
National General	$350	$58
21st Century	$356	$61

Cheapest Full Coverage Car Insurance in Cloverdale

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 Cloverdale is CSAA at $95 per month and $565 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cloverdale, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$565	$95
USAA	$716	$121
Mercury	$758	$128
AAA SoCal	$831	$142
Progressive	$873	$147
Allstate	$957	$161
Wawanesa	$962	$162
AAA NorCal	$972	$165
Auto Club	$1003	$167
State Farm	$1061	$179
AAA	$1207	$202
Kemper	$1250	$212
Farmers	$1396	$232
Capital Insurance Group	$622	$104
National General	$633	$107
State National	$643	$107
Hartford	$679	$115

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Average Car Insurance in Cloverdale 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 Cloverdale, CA increasing?

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

Car Insurance Premiums by Age in Cloverdale

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	$515
30s	Wawanesa	$415
40s	Wawanesa	$415
50s	Wawanesa	$415
60s	Wawanesa	$415
70s	Wawanesa	$407

Cheapest Car Insurance Rates for Teen Drivers in Cloverdale,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Cloverdale at $34 per month. At $345 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$204	$34
Capital Insurance Group	$460	$77
USAA	$1097	$185
Mercury	$1113	$187
Wawanesa	$1223	$208
Progressive	$1280	$216
CSAA	$1542	$260
State Farm	$1830	$308
AAA SoCal	$1981	$337
Allstate	$2123	$357
Auto Club	$2263	$385
AAA NorCal	$3016	$502
Farmers	$3079	$524
State National	$329	$55
Marcury	$345	$59

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 Cloverdale.

As young drivers face the highest rates in Cloverdale, Wawanesa offers the cheapest auto insurance rates at $515 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 Cloverdale.

Car Insurance Rates with An Accident in Cloverdale

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

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

The cheapest car insurance companies after an at-fault accident in Cloverdale include AAA and Capital Insurance Group, offering $334 and $480, respectively. 21st Century is an expensive provider with an average six-month premium of $601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$334	$56
Capital Insurance Group	$480	$82
CSAA	$643	$108
USAA	$962	$162
Progressive	$1113	$187
Mercury	$1181	$201
Wawanesa	$1359	$226
AAA SoCal	$1427	$243
Auto Club	$1506	$251
Farmers	$1547	$260
State Farm	$1840	$310
AAA NorCal	$1970	$335
Allstate	$2368	$399
State National	$397	$66
Hartford	$460	$78
National General	$528	$88
Nationwide	$569	$97
21st Century	$601	$100

Cloverdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cloverdale CA. For example, the car insurance in Cloverdale after a DUI increases to $1531 for a six month policy. While the rate increases by $402 for a six-month policy in the case of a speeding ticket.

Cloverdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$957	$159
Not-at-fault accident	$957	$163
One comp claim	$957	$159
One Med/PIP claim	$957	$163
Two comp claims	$957	$159
Two Med/PIP claims	$957	$163
At-fault accident - less than $1000	$978	$163
Failure to show documents	$1260	$214
Driving with expired registration	$1286	$215
Driving without lights	$1286	$218
Failure to wear a seat belt	$1291	$216
Child safety restraint	$1302	$221
Speeding 11 - 15 MPH over limit	$1353	$225
Speeding 16 - 20 MPH over limit	$1353	$231
Driving too slowly	$1359	$226
Failure to stop at a red light	$1359	$231
Failure to yield	$1359	$226
Following too closely	$1359	$231
Illegal turn	$1359	$226
In 65 MPH zone	$1359	$231
Speeding 21 - 25 MPH over limit	$1359	$226
Speeding 6 - 10 MPH over limit	$1359	$231
Speeding in school zone	$1359	$226
Improper passing	$1364	$232
Cell phone violation	$1369	$228
Texting while driving	$1369	$233
Passing school bus	$1385	$231
Wrong way/wrong lane	$1620	$275
Operating a vehicle without permission	$1657	$276
At-fault accident - $1000-$2000	$1668	$283
At-fault accident - greater than $2000	$1668	$278
Open container	$1673	$284
Driving with a suspended license	$1940	$323
Reckless driving	$2363	$402
Racing	$2389	$398
Leaving scene of an accident/hit and run	$2399	$408
DUI	$2488	$414
Refusal to submit to a chemical test	$2488	$423

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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 Cloverdale 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 Cloverdale.

The cheapest car insurance premiums in Cloverdale are offered by AAA at $658 for a six-month policy. However, it can be as expensive as $554 with companies like Kemper.

Cloverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$658	$112
Capital Insurance Group	$716	$120
Mercury	$852	$143
Progressive	$1260	$212
Wawanesa	$1531	$260
Farmers	$1625	$274
USAA	$1730	$291
CSAA	$1830	$308
AAA SoCal	$2645	$450
Auto Club	$3026	$504
AAA NorCal	$3487	$593
State Farm	$3722	$627
Allstate	$3832	$645
Travelers	$737	$123
National General	$345	$57
Kemper	$554	$92

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 Cloverdale are offered by CSAA at $84. However, it can be as expensive as $397 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Cloverdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$84	$14
Capital Insurance Group	$460	$77
Mercury	$784	$132
USAA	$821	$136
Progressive	$884	$149
AAA NorCal	$1223	$204
AAA SoCal	$1312	$224
Allstate	$1349	$224
State Farm	$1427	$243
Farmers	$1976	$329
AAA	$256	$43
Kemper	$324	$55
National General	$345	$57
State National	$397	$68

Car Insurance Price Trends in Cloverdale, California

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

The average cost of full coverage in the Cloverdale rose by $169 in December compared to $167 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 Cloverdale 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 Cloverdale?

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

What is the cheapest car insurance in Cloverdale?

The cheapest car insurance in Cloverdale is $95 per month for full coverage.

How much is car insurance in Cloverdale for teenagers?

Car insurance for teenagers costs $204 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 Cloverdale?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $150 per month to insure your car in Cloverdale.

Is car insurance expensive in Cloverdale?

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

Cheapest Car Insurance Quotes in Cloverdale

Why you can trust Way?

How Much Is Car Insurance in Cloverdale

Avg. Car Insurance in Cloverdale

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Cloverdale

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Cloverdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Cloverdale, CA

Way's key takeaways about car insurance in Cloverdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cloverdale

Cheapest Liability Coverage in Cloverdale, CA

Cheapest Full Coverage Car Insurance in Cloverdale

Cheapest Full Coverage Car Insurance Quotes in Cloverdale, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cloverdale by Rating Factor

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

Car Insurance Premiums by Age in Cloverdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cloverdale,CA

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

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 Cloverdale

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

Cloverdale Car Insurance Rates by Violation

Cloverdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cloverdale after a DUI

Cloverdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cloverdale after Speeding ticket

Car Insurance Price Trends in Cloverdale, California

Average Car Insurance Cost in Cloverdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cloverdale, CA

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

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