Cheapest Car Insurance Quotes in Dunsmuir

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Dunsmuir 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 Dunsmuir

The car insurance rate in Dunsmuir is $819 for a six-month policy, which is $192 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $520, making it a popular choice for budget-conscious drivers. Rates in Dunsmuir 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 Dunsmuir

$819

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Dunsmuir

1st place: CSAA

At $520 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $659 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $697 for six months, making it the third cheapest auto insurance company in Dunsmuir.

Dunsmuir Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dunsmuir, CA is CSAA, offering policies at just $520 for a six-month term. This is followed by USAA, which has an average six-month premium of $659.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $625 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dunsmuir drivers find the best deals.

Cheap Car Insurance Companies in Dunsmuir, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$520	$87
USAA	$659	$111
Mercury	$697	$117
AAA SoCal	$765	$130
Progressive	$804	$135
Allstate	$880	$148
Wawanesa	$885	$149
AAA NorCal	$895	$152
Auto Club	$923	$154
State Farm	$977	$164
AAA	$1111	$185
Kemper	$1150	$195
Farmers	$1285	$214
Capital Insurance Group	$573	$96
National General	$582	$99
State National	$592	$99
Hartford	$625	$106

Key Takeaways

Way's key takeaways about car insurance in Dunsmuir

The auto insurance costs in Dunsmuir fall around $520 for six months.
The cheapest auto insurance company in Dunsmuir is CSAA.
Teen drivers pay the highest rate in Dunsmuir at $54 per month.

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Cheapest Minimum Liability Car Insurance in Dunsmuir

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 Dunsmuir are given below.

CSAA provides the cheapest minimum car insurance coverage in Dunsmuir. Their Average 6 Month Premium is $125. 21st Century is the most expensive at $327 for the same period.

Cheapest Liability Coverage in Dunsmuir, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$125	$21
AAA	$221	$37
USAA	$231	$39
AAA NorCal	$241	$41
AAA SoCal	$275	$47
Progressive	$279	$47
Auto Club	$284	$49
State Farm	$293	$49
Wawanesa	$298	$50
Mercury	$318	$53
Allstate	$342	$58
Farmers	$409	$68
Kemper	$226	$38
Capital Insurance Group	$245	$42
State National	$260	$45
National General	$322	$53
21st Century	$327	$56

Cheapest Full Coverage Car Insurance in Dunsmuir

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 Dunsmuir is CSAA at $87 per month and $520 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dunsmuir, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$520	$87
USAA	$659	$111
Mercury	$697	$117
AAA SoCal	$765	$130
Progressive	$804	$135
Allstate	$880	$148
Wawanesa	$885	$149
AAA NorCal	$895	$152
Auto Club	$923	$154
State Farm	$977	$164
AAA	$1111	$185
Kemper	$1150	$195
Farmers	$1285	$214
Capital Insurance Group	$573	$96
National General	$582	$99
State National	$592	$99
Hartford	$625	$106

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Average Car Insurance in Dunsmuir 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 Dunsmuir, CA increasing?

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

Car Insurance Premiums by Age in Dunsmuir

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	$474
30s	Wawanesa	$382
40s	Wawanesa	$382
50s	Wawanesa	$382
60s	Wawanesa	$382
70s	Wawanesa	$374

Cheapest Car Insurance Rates for Teen Drivers in Dunsmuir,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Dunsmuir at $32 per month. At $318 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$188	$32
Capital Insurance Group	$424	$70
USAA	$1010	$170
Mercury	$1025	$173
Wawanesa	$1126	$191
Progressive	$1179	$198
CSAA	$1419	$239
State Farm	$1684	$284
AAA SoCal	$1823	$310
Allstate	$1954	$329
Auto Club	$2083	$354
AAA NorCal	$2776	$463
Farmers	$2834	$482
State National	$303	$50
Marcury	$318	$54

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 Dunsmuir.

As young drivers face the highest rates in Dunsmuir, Wawanesa offers the cheapest auto insurance rates at $474 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 Dunsmuir.

Car Insurance Rates with An Accident in Dunsmuir

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

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

The cheapest car insurance companies after an at-fault accident in Dunsmuir include AAA and Capital Insurance Group, offering $308 and $442, respectively. 21st Century is an expensive provider with an average six-month premium of $553.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$308	$52
Capital Insurance Group	$442	$75
CSAA	$592	$100
USAA	$885	$149
Progressive	$1025	$173
Mercury	$1087	$185
Wawanesa	$1251	$208
AAA SoCal	$1314	$224
Auto Club	$1386	$231
Farmers	$1424	$240
State Farm	$1694	$285
AAA NorCal	$1814	$309
Allstate	$2180	$367
State National	$365	$61
Hartford	$424	$72
National General	$486	$81
Nationwide	$524	$89
21st Century	$553	$92

Dunsmuir Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dunsmuir CA. For example, the car insurance in Dunsmuir after a DUI increases to $1410 for a six month policy. While the rate increases by $371 for a six-month policy in the case of a speeding ticket.

Dunsmuir auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$880	$147
Not-at-fault accident	$880	$150
One comp claim	$880	$147
One Med/PIP claim	$880	$150
Two comp claims	$880	$147
Two Med/PIP claims	$880	$150
At-fault accident - less than $1000	$900	$150
Failure to show documents	$1160	$197
Driving with expired registration	$1183	$198
Driving without lights	$1183	$201
Failure to wear a seat belt	$1188	$198
Child safety restraint	$1198	$203
Speeding 11 - 15 MPH over limit	$1246	$207
Speeding 16 - 20 MPH over limit	$1246	$212
Driving too slowly	$1251	$208
Failure to stop at a red light	$1251	$213
Failure to yield	$1251	$208
Following too closely	$1251	$213
Illegal turn	$1251	$208
In 65 MPH zone	$1251	$213
Speeding 21 - 25 MPH over limit	$1251	$208
Speeding 6 - 10 MPH over limit	$1251	$213
Speeding in school zone	$1251	$208
Improper passing	$1256	$214
Cell phone violation	$1260	$210
Texting while driving	$1260	$215
Passing school bus	$1275	$212
Wrong way/wrong lane	$1491	$254
Operating a vehicle without permission	$1525	$254
At-fault accident - $1000-$2000	$1535	$261
At-fault accident - greater than $2000	$1535	$256
Open container	$1540	$262
Driving with a suspended license	$1785	$297
Reckless driving	$2175	$370
Racing	$2199	$366
Leaving scene of an accident/hit and run	$2208	$376
DUI	$2290	$382
Refusal to submit to a chemical test	$2290	$390

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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 Dunsmuir 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 Dunsmuir.

The cheapest car insurance premiums in Dunsmuir are offered by AAA at $606 for a six-month policy. However, it can be as expensive as $510 with companies like Kemper.

Dunsmuir car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$606	$103
Capital Insurance Group	$659	$110
Mercury	$784	$132
Progressive	$1160	$195
Wawanesa	$1409	$240
Farmers	$1496	$252
USAA	$1592	$268
CSAA	$1684	$284
AAA SoCal	$2435	$414
Auto Club	$2786	$464
AAA NorCal	$3209	$546
State Farm	$3425	$577
Allstate	$3527	$594
Travelers	$679	$113
National General	$318	$53
Kemper	$510	$85

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 Dunsmuir are offered by CSAA at $77. However, it can be as expensive as $365 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Dunsmuir after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$77	$13
Capital Insurance Group	$424	$70
Mercury	$722	$122
USAA	$756	$126
Progressive	$813	$137
AAA NorCal	$1126	$188
AAA SoCal	$1208	$206
Allstate	$1242	$207
State Farm	$1314	$224
Farmers	$1818	$303
AAA	$236	$40
Kemper	$298	$51
National General	$318	$53
State National	$365	$62

Car Insurance Price Trends in Dunsmuir, California

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

The average cost of full coverage in the Dunsmuir rose by $156 in December compared to $154 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 Dunsmuir rose to $44 in December, compared to $42 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 Dunsmuir?

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

What is the cheapest car insurance in Dunsmuir?

The cheapest car insurance in Dunsmuir is $87 per month for full coverage.

How much is car insurance in Dunsmuir for teenagers?

Car insurance for teenagers costs $188 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 Dunsmuir?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $138 per month to insure your car in Dunsmuir.

Is car insurance expensive in Dunsmuir?

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

Cheapest Car Insurance Quotes in Dunsmuir

Why you can trust Way?

How Much Is Car Insurance in Dunsmuir

Avg. Car Insurance in Dunsmuir

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Dunsmuir

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Dunsmuir Car Insurance Rates by Company

Cheap Car Insurance Companies in Dunsmuir, CA

Way's key takeaways about car insurance in Dunsmuir

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dunsmuir

Cheapest Liability Coverage in Dunsmuir, CA

Cheapest Full Coverage Car Insurance in Dunsmuir

Cheapest Full Coverage Car Insurance Quotes in Dunsmuir, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dunsmuir by Rating Factor

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

Car Insurance Premiums by Age in Dunsmuir

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dunsmuir,CA

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

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 Dunsmuir

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

Dunsmuir Car Insurance Rates by Violation

Dunsmuir auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dunsmuir after a DUI

Dunsmuir car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dunsmuir after Speeding ticket

Car Insurance Price Trends in Dunsmuir, California

Average Car Insurance Cost in Dunsmuir by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dunsmuir, CA

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

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