Cheapest Car Insurance Quotes in Emerald Lake Hills

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Emerald Lake Hills Car Insurance

^$ 24

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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 Emerald Lake Hills

The car insurance rate in Emerald Lake Hills is $1158 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $597, making it a popular choice for budget-conscious drivers. Rates in Emerald Lake Hills 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 Emerald Lake Hills

$1158

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Emerald Lake Hills

1st place: CSAA

At $597 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $956 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 $972 for six months, making it the third cheapest auto insurance company in Emerald Lake Hills.

Emerald Lake Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Emerald Lake Hills, CA is CSAA, offering policies at just $597 for a six-month term. This is followed by Mercury, which has an average six-month premium of $956.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1276 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Emerald Lake Hills drivers find the best deals.

Cheap Car Insurance Companies in Emerald Lake Hills, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$597	$100
Mercury	$956	$161
AAA NorCal	$972	$166
Progressive	$972	$164
Wawanesa	$1016	$171
USAA	$1033	$174
Auto Club	$1060	$180
Allstate	$1182	$199
AAA SoCal	$1248	$212
Kemper	$1321	$220
State Farm	$1415	$238
Travelers	$1580	$263
Farmers	$1586	$270
AAA	$1276	$213

Key Takeaways

Way's key takeaways about car insurance in Emerald Lake Hills

The auto insurance costs in Emerald Lake Hills fall around $597 for six months.
The cheapest auto insurance company in Emerald Lake Hills is CSAA.
Teen drivers pay the highest rate in Emerald Lake Hills at $561 per month.

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

Cheapest Minimum Liability Car Insurance in Emerald Lake Hills

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 Emerald Lake Hills are given below.

CSAA provides the cheapest minimum car insurance coverage in Emerald Lake Hills. Their Average 6 Month Premium is $143. Travelers is the most expensive at $607 for the same period.

Cheapest Liability Coverage in Emerald Lake Hills, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$143	$24
AAA NorCal	$237	$40
USAA	$271	$46
Progressive	$321	$54
Auto Club	$326	$54
Wawanesa	$342	$58
AAA	$392	$65
AAA SoCal	$398	$68
Mercury	$398	$67
State Farm	$436	$73
Allstate	$503	$85
Farmers	$541	$92
Travelers	$607	$101

Cheapest Full Coverage Car Insurance in Emerald Lake Hills

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 Emerald Lake Hills is CSAA at $100 per month and $597 for six months.

Cheapest Full Coverage Car Insurance Quotes in Emerald Lake Hills, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$597	$100
Mercury	$956	$161
AAA NorCal	$972	$166
Progressive	$972	$164
Wawanesa	$1016	$171
USAA	$1033	$174
Auto Club	$1060	$180
Allstate	$1182	$199
AAA SoCal	$1248	$212
Kemper	$1321	$220
State Farm	$1415	$238
Travelers	$1580	$263
Farmers	$1586	$270
AAA	$1276	$213

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Average Car Insurance in Emerald Lake Hills 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 Emerald Lake Hills, CA increasing?

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

Car Insurance Premiums by Age in Emerald Lake Hills

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	$558
30s	Wawanesa	$450
40s	Wawanesa	$450
50s	Wawanesa	$450
60s	Wawanesa	$450
70s	Wawanesa	$441

Cheapest Car Insurance Rates for Teen Drivers in Emerald Lake Hills,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Emerald Lake Hills at $66 per month. At $3364 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$387	$66
Capital Insurance Group	$486	$81
USAA	$1265	$213
Wawanesa	$1293	$216
Progressive	$1481	$249
Mercury	$1535	$259
CSAA	$1629	$274
Auto Club	$2392	$399
State Farm	$2441	$411
Allstate	$2839	$478
AAA SoCal	$3005	$511
AAA NorCal	$3044	$507
Travelers	$3160	$538
Farmers	$3364	$561

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 Emerald Lake Hills.

As young drivers face the highest rates in Emerald Lake Hills, Wawanesa offers the cheapest auto insurance rates at $558 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 Emerald Lake Hills.

Car Insurance Rates with An Accident in Emerald Lake Hills

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 Emerald Lake Hills, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Emerald Lake Hills

The cheapest car insurance companies after an at-fault accident in Emerald Lake Hills include AAA and Capital Insurance Group, offering $348 and $508, respectively. Allstate is an expensive provider with an average six-month premium of $3209.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$348	$58
Capital Insurance Group	$508	$86
CSAA	$680	$114
USAA	$1116	$188
Mercury	$1221	$206
Progressive	$1276	$215
Wawanesa	$1436	$239
Auto Club	$1591	$271
Farmers	$1740	$293
AAA NorCal	$1973	$336
AAA SoCal	$2138	$356
State Farm	$2525	$425
Travelers	$3044	$507
Allstate	$3209	$540

Emerald Lake Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Emerald Lake Hills CA. For example, the car insurance in Emerald Lake Hills after a DUI increases to $1618 for a six month policy. While the rate increases by $425 for a six-month policy in the case of a speeding ticket.

Emerald Lake Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1011	$168
Not-at-fault accident	$1011	$172
One comp claim	$1011	$168
One Med/PIP claim	$1011	$172
Two comp claims	$1011	$168
Two Med/PIP claims	$1011	$172
At-fault accident - less than $1000	$1033	$172
Failure to show documents	$1332	$226
Driving with expired registration	$1359	$227
Driving without lights	$1359	$231
Failure to wear a seat belt	$1364	$228
Child safety restraint	$1375	$233
Speeding 11 - 15 MPH over limit	$1430	$238
Speeding 16 - 20 MPH over limit	$1430	$244
Driving too slowly	$1436	$239
Failure to stop at a red light	$1436	$245
Failure to yield	$1436	$239
Following too closely	$1436	$245
Illegal turn	$1436	$239
In 65 MPH zone	$1436	$245
Speeding 21 - 25 MPH over limit	$1436	$239
Speeding 6 - 10 MPH over limit	$1436	$245
Speeding in school zone	$1436	$239
Improper passing	$1442	$246
Cell phone violation	$1447	$241
Texting while driving	$1447	$246
Passing school bus	$1464	$244
Wrong way/wrong lane	$1712	$291
Operating a vehicle without permission	$1751	$292
At-fault accident - $1000-$2000	$1762	$299
At-fault accident - greater than $2000	$1762	$294
Open container	$1768	$300
Driving with a suspended license	$2050	$341
Reckless driving	$2497	$425
Racing	$2525	$420
Leaving scene of an accident/hit and run	$2535	$432
DUI	$2629	$438
Refusal to submit to a chemical test	$2629	$447

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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 Emerald Lake Hills 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 Emerald Lake Hills.

The cheapest car insurance premiums in Emerald Lake Hills are offered by Capital Insurance Group at $757 for a six-month policy. However, it can be as expensive as $696 with companies like AAA.

Emerald Lake Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$757	$126
Mercury	$1083	$182
Progressive	$1436	$242
Wawanesa	$1618	$275
Farmers	$1817	$306
CSAA	$1933	$326
USAA	$1994	$336
Travelers	$2265	$381
Auto Club	$3198	$533
AAA NorCal	$3497	$594
AAA SoCal	$3922	$654
State Farm	$4977	$838
Allstate	$5071	$854
AAA	$696	$118

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 Emerald Lake Hills are offered by CSAA at $88. However, it can be as expensive as $2431 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Emerald Lake Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$88	$15
Capital Insurance Group	$486	$83
Mercury	$1044	$176
USAA	$1066	$181
Progressive	$1071	$180
AAA NorCal	$1232	$209
AAA SoCal	$1707	$285
Allstate	$2165	$368
Farmers	$2254	$376
State Farm	$2409	$409
Travelers	$2431	$405

Car Insurance Price Trends in Emerald Lake Hills, California

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

The average cost of full coverage in the Emerald Lake Hills rose by $197 in January compared to $179 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Emerald Lake Hills rose to $57 in January, compared to $51 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 Emerald Lake Hills?

The car insurance in Emerald Lake Hills is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Emerald Lake Hills?

The cheapest car insurance in Emerald Lake Hills is $100 per month for full coverage.

How much is car insurance in Emerald Lake Hills for teenagers?

Car insurance for teenagers costs $387 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 Emerald Lake Hills?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $194 per month to insure your car in Emerald Lake Hills.

Is car insurance expensive in Emerald Lake Hills?

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

Cheapest Car Insurance Quotes in Emerald Lake Hills

Why you can trust Way?

How Much Is Car Insurance in Emerald Lake Hills

Avg. Car Insurance in Emerald Lake Hills

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Emerald Lake Hills

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Emerald Lake Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Emerald Lake Hills, CA

Way's key takeaways about car insurance in Emerald Lake Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Emerald Lake Hills

Cheapest Liability Coverage in Emerald Lake Hills, CA

Cheapest Full Coverage Car Insurance in Emerald Lake Hills

Cheapest Full Coverage Car Insurance Quotes in Emerald Lake Hills, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Emerald Lake Hills by Rating Factor

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

Car Insurance Premiums by Age in Emerald Lake Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Emerald Lake Hills,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Emerald Lake Hills.

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 Emerald Lake Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Emerald Lake Hills

Emerald Lake Hills Car Insurance Rates by Violation

Emerald Lake Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Emerald Lake Hills after a DUI

Emerald Lake Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Emerald Lake Hills after Speeding ticket

Car Insurance Price Trends in Emerald Lake Hills, California

Average Car Insurance Cost in Emerald Lake Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Emerald Lake Hills, CA

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

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