Cheapest Car Insurance Quotes in French Camp

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French Camp 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 French Camp

The car insurance rate in French Camp is $1082 for a six-month policy, which is $71 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 French Camp 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 French Camp

$1082

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in French Camp

1st place: CSAA

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

2nd place: USAA

USAA offers auto insurance rates at $871 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $921 for six months, making it the third cheapest auto insurance company in French Camp.

French Camp Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in French Camp, CA is CSAA, offering policies at just $687 for a six-month term. This is followed by USAA, which has an average six-month premium of $871.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $826 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help French Camp drivers find the best deals.

Cheap Car Insurance Companies in French Camp, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$687	$116
USAA	$871	$147
Mercury	$921	$155
AAA SoCal	$1010	$172
Progressive	$1061	$179
Allstate	$1163	$196
Wawanesa	$1170	$197
AAA NorCal	$1182	$201
Auto Club	$1220	$203
State Farm	$1290	$217
AAA	$1468	$245
Kemper	$1519	$258
Farmers	$1697	$282
Capital Insurance Group	$756	$126
National General	$769	$131
State National	$782	$131
Hartford	$826	$140

Key Takeaways

Way's key takeaways about car insurance in French Camp

The auto insurance costs in French Camp fall around $687 for six months.
The cheapest auto insurance company in French Camp is CSAA.
Teen drivers pay the highest rate in French Camp at $72 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 French Camp

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 French Camp are given below.

CSAA provides the cheapest minimum car insurance coverage in French Camp. Their Average 6 Month Premium is $165. 21st Century is the most expensive at $432 for the same period.

Cheapest Liability Coverage in French Camp, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$165	$28
AAA	$292	$49
USAA	$305	$51
AAA NorCal	$318	$54
AAA SoCal	$363	$62
Progressive	$369	$62
Auto Club	$375	$64
State Farm	$387	$65
Wawanesa	$394	$66
Mercury	$419	$71
Allstate	$452	$76
Farmers	$540	$90
Kemper	$299	$50
Capital Insurance Group	$324	$56
State National	$343	$59
National General	$426	$71
21st Century	$432	$74

Cheapest Full Coverage Car Insurance in French Camp

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 French Camp is CSAA at $116 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in French Camp, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$687	$116
USAA	$871	$147
Mercury	$921	$155
AAA SoCal	$1010	$172
Progressive	$1061	$179
Allstate	$1163	$196
Wawanesa	$1170	$197
AAA NorCal	$1182	$201
Auto Club	$1220	$203
State Farm	$1290	$217
AAA	$1468	$245
Kemper	$1519	$258
Farmers	$1697	$282
Capital Insurance Group	$756	$126
National General	$769	$131
State National	$782	$131
Hartford	$826	$140

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Average Car Insurance in French Camp 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 French Camp, CA increasing?

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

Car Insurance Premiums by Age in French Camp

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	$626
30s	Wawanesa	$505
40s	Wawanesa	$505
50s	Wawanesa	$505
60s	Wawanesa	$505
70s	Wawanesa	$494

Cheapest Car Insurance Rates for Teen Drivers in French Camp,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the French Camp at $42 per month. At $419 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$248	$42
Capital Insurance Group	$560	$93
USAA	$1334	$225
Mercury	$1354	$228
Wawanesa	$1487	$253
Progressive	$1557	$262
CSAA	$1875	$316
State Farm	$2225	$375
AAA SoCal	$2409	$410
Allstate	$2581	$434
Auto Club	$2752	$468
AAA NorCal	$3667	$611
Farmers	$3744	$637
State National	$400	$66
Marcury	$419	$72

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 French Camp.

As young drivers face the highest rates in French Camp, Wawanesa offers the cheapest auto insurance rates at $626 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 French Camp.

Car Insurance Rates with An Accident in French Camp

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

Cheapest Car Insurance Companies after an At-Fault Accident in French Camp

The cheapest car insurance companies after an at-fault accident in French Camp include AAA and Capital Insurance Group, offering $407 and $584, respectively. 21st Century is an expensive provider with an average six-month premium of $731.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$407	$68
Capital Insurance Group	$584	$100
CSAA	$782	$132
USAA	$1170	$197
Progressive	$1354	$228
Mercury	$1436	$244
Wawanesa	$1652	$275
AAA SoCal	$1736	$295
Auto Club	$1831	$305
Farmers	$1881	$317
State Farm	$2237	$377
AAA NorCal	$2396	$408
Allstate	$2879	$485
State National	$483	$80
Hartford	$560	$95
National General	$642	$107
Nationwide	$692	$118
21st Century	$731	$122

French Camp Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in French Camp CA. For example, the car insurance in French Camp 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.

French Camp 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 French Camp 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 French Camp.

The cheapest car insurance premiums in French Camp are offered by AAA at $800 for a six-month policy. However, it can be as expensive as $674 with companies like Kemper.

French Camp car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$800	$136
Capital Insurance Group	$871	$146
Mercury	$1036	$174
Progressive	$1532	$258
Wawanesa	$1862	$317
Farmers	$1976	$333
USAA	$2104	$354
CSAA	$2225	$375
AAA SoCal	$3216	$547
Auto Club	$3680	$613
AAA NorCal	$4239	$721
State Farm	$4525	$762
Allstate	$4659	$784
Travelers	$897	$150
National General	$419	$70
Kemper	$674	$112

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 French Camp are offered by CSAA at $102. However, it can be as expensive as $483 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in French Camp after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$102	$17
Capital Insurance Group	$560	$93
Mercury	$953	$161
USAA	$998	$166
Progressive	$1074	$181
AAA NorCal	$1487	$248
AAA SoCal	$1595	$272
Allstate	$1640	$273
State Farm	$1736	$295
Farmers	$2402	$400
AAA	$311	$52
Kemper	$394	$67
National General	$419	$70
State National	$483	$82

Car Insurance Price Trends in French Camp, California

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

The average cost of full coverage in the French Camp rose by $205 in December compared to $203 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 French Camp rose to $58 in December, compared to $56 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 French Camp?

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

What is the cheapest car insurance in French Camp?

The cheapest car insurance in French Camp is $116 per month for full coverage.

How much is car insurance in French Camp for teenagers?

Car insurance for teenagers costs $248 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 French Camp?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $182 per month to insure your car in French Camp.

Is car insurance expensive in French Camp?

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

Cheapest Car Insurance Quotes in French Camp

Why you can trust Way?

How Much Is Car Insurance in French Camp

Avg. Car Insurance in French Camp

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in French Camp

1st place: CSAA

2nd place: USAA

3rd place: Mercury

French Camp Car Insurance Rates by Company

Cheap Car Insurance Companies in French Camp, CA

Way's key takeaways about car insurance in French Camp

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in French Camp

Cheapest Liability Coverage in French Camp, CA

Cheapest Full Coverage Car Insurance in French Camp

Cheapest Full Coverage Car Insurance Quotes in French Camp, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in French Camp by Rating Factor

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

Car Insurance Premiums by Age in French Camp

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in French Camp,CA

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

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 French Camp

Cheapest Car Insurance Companies after an At-Fault Accident in French Camp

French Camp Car Insurance Rates by Violation

French Camp auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in French Camp after a DUI

French Camp car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in French Camp after Speeding ticket

Car Insurance Price Trends in French Camp, California

Average Car Insurance Cost in French Camp by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near French Camp, CA

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

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Data Sources