Cheapest Car Insurance Quotes in Half Moon Bay

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Half Moon Bay Car Insurance

^$ 24

/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 Half Moon Bay

The car insurance rate in Half Moon Bay is $930 for a six-month policy, which is $81 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, making it a popular choice for budget-conscious drivers. Rates in Half Moon Bay 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 Half Moon Bay

$930

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Half Moon Bay

1st place: CSAA

At $591 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $749 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $792 for six months, making it the third cheapest auto insurance company in Half Moon Bay.

Half Moon Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Half Moon Bay, CA is CSAA, offering policies at just $591 for a six-month term. This is followed by USAA, which has an average six-month premium of $749.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $710 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Half Moon Bay drivers find the best deals.

Cheap Car Insurance Companies in Half Moon Bay, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$591	$99
USAA	$749	$126
Mercury	$792	$133
AAA SoCal	$868	$148
Progressive	$913	$154
Allstate	$1000	$168
Wawanesa	$1006	$169
AAA NorCal	$1017	$173
Auto Club	$1049	$175
State Farm	$1110	$187
AAA	$1262	$211
Kemper	$1306	$222
Farmers	$1459	$243
Capital Insurance Group	$650	$109
National General	$661	$112
State National	$673	$112
Hartford	$710	$121

Key Takeaways

Way's key takeaways about car insurance in Half Moon Bay

The auto insurance costs in Half Moon Bay fall around $591 for six months.
The cheapest auto insurance company in Half Moon Bay is CSAA.
Teen drivers pay the highest rate in Half Moon Bay at $62 per month.

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Cheapest Minimum Liability Car Insurance in Half Moon Bay

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 Half Moon Bay are given below.

CSAA provides the cheapest minimum car insurance coverage in Half Moon Bay. Their Average 6 Month Premium is $142. 21st Century is the most expensive at $372 for the same period.

Cheapest Liability Coverage in Half Moon Bay, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$142	$24
AAA	$251	$42
USAA	$262	$44
AAA NorCal	$273	$46
AAA SoCal	$312	$53
Progressive	$317	$53
Auto Club	$322	$55
State Farm	$333	$56
Wawanesa	$339	$57
Mercury	$361	$61
Allstate	$388	$65
Farmers	$465	$77
Kemper	$257	$43
Capital Insurance Group	$279	$48
State National	$295	$51
National General	$366	$61
21st Century	$372	$63

Cheapest Full Coverage Car Insurance in Half Moon Bay

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 Half Moon Bay is CSAA at $99 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Half Moon Bay, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$591	$99
USAA	$749	$126
Mercury	$792	$133
AAA SoCal	$868	$148
Progressive	$913	$154
Allstate	$1000	$168
Wawanesa	$1006	$169
AAA NorCal	$1017	$173
Auto Club	$1049	$175
State Farm	$1110	$187
AAA	$1262	$211
Kemper	$1306	$222
Farmers	$1459	$243
Capital Insurance Group	$650	$109
National General	$661	$112
State National	$673	$112
Hartford	$710	$121

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Average Car Insurance in Half Moon Bay 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 Half Moon Bay, CA increasing?

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

Car Insurance Premiums by Age in Half Moon Bay

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	$538
30s	Wawanesa	$434
40s	Wawanesa	$434
50s	Wawanesa	$434
60s	Wawanesa	$434
70s	Wawanesa	$425

Cheapest Car Insurance Rates for Teen Drivers in Half Moon Bay,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Half Moon Bay at $36 per month. At $361 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$213	$36
Capital Insurance Group	$481	$80
USAA	$1147	$193
Mercury	$1164	$196
Wawanesa	$1279	$217
Progressive	$1339	$225
CSAA	$1612	$271
State Farm	$1913	$322
AAA SoCal	$2071	$352
Allstate	$2219	$374
Auto Club	$2366	$402
AAA NorCal	$3153	$525
Farmers	$3219	$547
State National	$344	$57
Marcury	$361	$62

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 Half Moon Bay.

As young drivers face the highest rates in Half Moon Bay, Wawanesa offers the cheapest auto insurance rates at $538 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 Half Moon Bay.

Car Insurance Rates with An Accident in Half Moon Bay

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 Half Moon Bay, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Half Moon Bay

The cheapest car insurance companies after an at-fault accident in Half Moon Bay include AAA and Capital Insurance Group, offering $350 and $502, respectively. 21st Century is an expensive provider with an average six-month premium of $628.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$350	$59
Capital Insurance Group	$502	$86
CSAA	$673	$113
USAA	$1006	$169
Progressive	$1164	$196
Mercury	$1235	$210
Wawanesa	$1420	$236
AAA SoCal	$1492	$254
Auto Club	$1574	$262
Farmers	$1617	$272
State Farm	$1924	$324
AAA NorCal	$2060	$351
Allstate	$2476	$417
State National	$415	$69
Hartford	$481	$82
National General	$552	$92
Nationwide	$595	$101
21st Century	$628	$105

Half Moon Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Half Moon Bay CA. For example, the car insurance in Half Moon Bay after a DUI increases to $1601 for a six month policy. While the rate increases by $420 for a six-month policy in the case of a speeding ticket.

Half Moon Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1000	$167
Not-at-fault accident	$1000	$170
One comp claim	$1000	$167
One Med/PIP claim	$1000	$170
Two comp claims	$1000	$167
Two Med/PIP claims	$1000	$170
At-fault accident - less than $1000	$1022	$170
Failure to show documents	$1317	$224
Driving with expired registration	$1344	$224
Driving without lights	$1344	$228
Failure to wear a seat belt	$1350	$225
Child safety restraint	$1361	$231
Speeding 11 - 15 MPH over limit	$1415	$236
Speeding 16 - 20 MPH over limit	$1415	$241
Driving too slowly	$1420	$236
Failure to stop at a red light	$1420	$242
Failure to yield	$1420	$236
Following too closely	$1420	$242
Illegal turn	$1420	$236
In 65 MPH zone	$1420	$242
Speeding 21 - 25 MPH over limit	$1420	$236
Speeding 6 - 10 MPH over limit	$1420	$242
Speeding in school zone	$1420	$236
Improper passing	$1426	$243
Cell phone violation	$1432	$238
Texting while driving	$1432	$244
Passing school bus	$1448	$241
Wrong way/wrong lane	$1694	$288
Operating a vehicle without permission	$1732	$289
At-fault accident - $1000-$2000	$1743	$296
At-fault accident - greater than $2000	$1743	$291
Open container	$1749	$297
Driving with a suspended license	$2028	$338
Reckless driving	$2470	$420
Racing	$2498	$416
Leaving scene of an accident/hit and run	$2508	$427
DUI	$2601	$433
Refusal to submit to a chemical test	$2601	$443

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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 Half Moon Bay 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 Half Moon Bay.

The cheapest car insurance premiums in Half Moon Bay are offered by AAA at $688 for a six-month policy. However, it can be as expensive as $580 with companies like Kemper.

Half Moon Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$688	$117
Capital Insurance Group	$749	$125
Mercury	$891	$150
Progressive	$1317	$222
Wawanesa	$1601	$272
Farmers	$1699	$286
USAA	$1809	$305
CSAA	$1913	$322
AAA SoCal	$2766	$470
Auto Club	$3164	$527
AAA NorCal	$3645	$620
State Farm	$3891	$655
Allstate	$4006	$674
Travelers	$771	$129
National General	$361	$60
Kemper	$580	$97

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 Half Moon Bay are offered by CSAA at $87. However, it can be as expensive as $415 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Half Moon Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$87	$15
Capital Insurance Group	$481	$80
Mercury	$820	$138
USAA	$858	$143
Progressive	$924	$155
AAA NorCal	$1279	$213
AAA SoCal	$1372	$234
Allstate	$1410	$235
State Farm	$1492	$254
Farmers	$2065	$344
AAA	$268	$45
Kemper	$339	$58
National General	$361	$60
State National	$415	$71

Car Insurance Price Trends in Half Moon Bay, California

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

The average cost of full coverage in the Half Moon Bay rose by $177 in December compared to $175 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 Half Moon Bay rose to $50 in December, compared to $48 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 Half Moon Bay?

The car insurance in Half Moon Bay is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Half Moon Bay?

The cheapest car insurance in Half Moon Bay is $99 per month for full coverage.

How much is car insurance in Half Moon Bay for teenagers?

Car insurance for teenagers costs $213 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 Half Moon Bay?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $156 per month to insure your car in Half Moon Bay.

Is car insurance expensive in Half Moon Bay?

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

Cheapest Car Insurance Quotes in Half Moon Bay

Why you can trust Way?

How Much Is Car Insurance in Half Moon Bay

Avg. Car Insurance in Half Moon Bay

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Half Moon Bay

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Half Moon Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Half Moon Bay, CA

Way's key takeaways about car insurance in Half Moon Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Half Moon Bay

Cheapest Liability Coverage in Half Moon Bay, CA

Cheapest Full Coverage Car Insurance in Half Moon Bay

Cheapest Full Coverage Car Insurance Quotes in Half Moon Bay, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Half Moon Bay by Rating Factor

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

Car Insurance Premiums by Age in Half Moon Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Half Moon Bay,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Half Moon Bay.

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 Half Moon Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Half Moon Bay

Half Moon Bay Car Insurance Rates by Violation

Half Moon Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Half Moon Bay after a DUI

Half Moon Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Half Moon Bay after Speeding ticket

Car Insurance Price Trends in Half Moon Bay, California

Average Car Insurance Cost in Half Moon Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Half Moon Bay, CA

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

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