Cheapest Car Insurance Quotes in Cottonwood

Finding the cheapest car insurance quotes in Cottonwood shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Cottonwood Car Insurance

^$ 21

/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 Cottonwood

The car insurance rate in Cottonwood is $1021 for a six-month policy, which is $224 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in Cottonwood 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 Cottonwood

$1021

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Cottonwood

1st place: CSAA

At $526 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $843 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 $857 for six months, making it the third cheapest auto insurance company in Cottonwood.

Cottonwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cottonwood, CA is CSAA, offering policies at just $526 for a six-month term. This is followed by Mercury, which has an average six-month premium of $843.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1125 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cottonwood drivers find the best deals.

Cheap Car Insurance Companies in Cottonwood, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$526	$89
Mercury	$843	$142
AAA NorCal	$857	$146
Progressive	$857	$144
Wawanesa	$896	$151
USAA	$911	$153
Auto Club	$935	$159
Allstate	$1042	$175
AAA SoCal	$1100	$187
Kemper	$1164	$194
State Farm	$1247	$210
Travelers	$1393	$232
Farmers	$1398	$238
AAA	$1125	$188

Key Takeaways

Way's key takeaways about car insurance in Cottonwood

The auto insurance costs in Cottonwood fall around $526 for six months.
The cheapest auto insurance company in Cottonwood is CSAA.
Teen drivers pay the highest rate in Cottonwood at $494 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Cottonwood

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 Cottonwood are given below.

CSAA provides the cheapest minimum car insurance coverage in Cottonwood. Their Average 6 Month Premium is $126. Travelers is the most expensive at $535 for the same period.

Cheapest Liability Coverage in Cottonwood, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$126	$21
AAA NorCal	$209	$35
USAA	$239	$40
Progressive	$283	$48
Auto Club	$287	$48
Wawanesa	$302	$51
AAA	$346	$57
AAA SoCal	$351	$60
Mercury	$351	$59
State Farm	$385	$65
Allstate	$444	$75
Farmers	$477	$81
Travelers	$535	$89

Cheapest Full Coverage Car Insurance in Cottonwood

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 Cottonwood is CSAA at $89 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cottonwood, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$526	$89
Mercury	$843	$142
AAA NorCal	$857	$146
Progressive	$857	$144
Wawanesa	$896	$151
USAA	$911	$153
Auto Club	$935	$159
Allstate	$1042	$175
AAA SoCal	$1100	$187
Kemper	$1164	$194
State Farm	$1247	$210
Travelers	$1393	$232
Farmers	$1398	$238
AAA	$1125	$188

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Cottonwood Instantly!

Average Car Insurance in Cottonwood 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 Cottonwood, CA increasing?

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

Car Insurance Premiums by Age in Cottonwood

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	$492
30s	Wawanesa	$397
40s	Wawanesa	$397
50s	Wawanesa	$397
60s	Wawanesa	$397
70s	Wawanesa	$389

Cheapest Car Insurance Rates for Teen Drivers in Cottonwood,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Cottonwood at $58 per month. At $2966 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$341	$58
Capital Insurance Group	$429	$71
USAA	$1115	$188
Wawanesa	$1140	$190
Progressive	$1305	$220
Mercury	$1354	$228
CSAA	$1437	$242
Auto Club	$2109	$352
State Farm	$2153	$362
Allstate	$2503	$421
AAA SoCal	$2649	$450
AAA NorCal	$2684	$447
Travelers	$2786	$474
Farmers	$2966	$494

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 Cottonwood.

As young drivers face the highest rates in Cottonwood, Wawanesa offers the cheapest auto insurance rates at $492 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 Cottonwood.

Car Insurance Rates with An Accident in Cottonwood

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

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

The cheapest car insurance companies after an at-fault accident in Cottonwood include AAA and Capital Insurance Group, offering $307 and $448, respectively. Allstate is an expensive provider with an average six-month premium of $2830.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$307	$51
Capital Insurance Group	$448	$76
CSAA	$599	$101
USAA	$984	$166
Mercury	$1077	$181
Progressive	$1125	$189
Wawanesa	$1266	$211
Auto Club	$1403	$239
Farmers	$1534	$258
AAA NorCal	$1739	$296
AAA SoCal	$1885	$314
State Farm	$2226	$375
Travelers	$2684	$447
Allstate	$2830	$476

Cottonwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cottonwood CA. For example, the car insurance in Cottonwood after a DUI increases to $1427 for a six month policy. While the rate increases by $375 for a six-month policy in the case of a speeding ticket.

Cottonwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$891	$148
Not-at-fault accident	$891	$152
One comp claim	$891	$148
One Med/PIP claim	$891	$152
Two comp claims	$891	$148
Two Med/PIP claims	$891	$152
At-fault accident - less than $1000	$911	$152
Failure to show documents	$1174	$199
Driving with expired registration	$1198	$200
Driving without lights	$1198	$203
Failure to wear a seat belt	$1203	$201
Child safety restraint	$1213	$206
Speeding 11 - 15 MPH over limit	$1261	$210
Speeding 16 - 20 MPH over limit	$1261	$215
Driving too slowly	$1266	$211
Failure to stop at a red light	$1266	$216
Failure to yield	$1266	$211
Following too closely	$1266	$216
Illegal turn	$1266	$211
In 65 MPH zone	$1266	$216
Speeding 21 - 25 MPH over limit	$1266	$211
Speeding 6 - 10 MPH over limit	$1266	$216
Speeding in school zone	$1266	$211
Improper passing	$1271	$216
Cell phone violation	$1276	$212
Texting while driving	$1276	$217
Passing school bus	$1291	$215
Wrong way/wrong lane	$1510	$257
Operating a vehicle without permission	$1544	$257
At-fault accident - $1000-$2000	$1554	$264
At-fault accident - greater than $2000	$1554	$259
Open container	$1559	$265
Driving with a suspended license	$1807	$301
Reckless driving	$2202	$375
Racing	$2226	$371
Leaving scene of an accident/hit and run	$2235	$380
DUI	$2318	$386
Refusal to submit to a chemical test	$2318	$394

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Cottonwood 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 Cottonwood.

The cheapest car insurance premiums in Cottonwood are offered by Capital Insurance Group at $667 for a six-month policy. However, it can be as expensive as $613 with companies like AAA.

Cottonwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$667	$112
Mercury	$954	$161
Progressive	$1266	$213
Wawanesa	$1427	$243
Farmers	$1602	$270
CSAA	$1705	$287
USAA	$1758	$296
Travelers	$1997	$336
Auto Club	$2820	$470
AAA NorCal	$3083	$524
AAA SoCal	$3458	$576
State Farm	$4389	$739
Allstate	$4471	$753
AAA	$613	$104

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 Cottonwood are offered by CSAA at $78. However, it can be as expensive as $2143 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Cottonwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$78	$13
Capital Insurance Group	$429	$73
Mercury	$921	$155
USAA	$940	$160
Progressive	$945	$159
AAA NorCal	$1087	$185
AAA SoCal	$1505	$251
Allstate	$1909	$325
Farmers	$1988	$331
State Farm	$2124	$361
Travelers	$2143	$358

Car Insurance Price Trends in Cottonwood, California

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

The average cost of full coverage in the Cottonwood rose by $174 in January compared to $157 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 Cottonwood rose to $50 in January, compared to $45 in December. This represents an increase of $5 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Cottonwood?

The car insurance in Cottonwood is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Cottonwood?

The cheapest car insurance in Cottonwood is $89 per month for full coverage.

How much is car insurance in Cottonwood for teenagers?

Car insurance for teenagers costs $341 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 Cottonwood?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $171 per month to insure your car in Cottonwood.

Is car insurance expensive in Cottonwood?

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

Cheapest Car Insurance Quotes in Cottonwood

Why you can trust Way?

How Much Is Car Insurance in Cottonwood

Avg. Car Insurance in Cottonwood

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Cottonwood

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Cottonwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Cottonwood, CA

Way's key takeaways about car insurance in Cottonwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cottonwood

Cheapest Liability Coverage in Cottonwood, CA

Cheapest Full Coverage Car Insurance in Cottonwood

Cheapest Full Coverage Car Insurance Quotes in Cottonwood, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cottonwood by Rating Factor

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

Car Insurance Premiums by Age in Cottonwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cottonwood,CA

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

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 Cottonwood

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

Cottonwood Car Insurance Rates by Violation

Cottonwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cottonwood after a DUI

Cottonwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cottonwood after Speeding ticket

Car Insurance Price Trends in Cottonwood, California

Average Car Insurance Cost in Cottonwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cottonwood, CA

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

Featured Blogs

Data Sources