Cheapest Car Insurance Quotes in Hanford

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Hanford 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 Hanford

The car insurance rate in Hanford is $1026 for a six-month policy, which is $89 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 Hanford 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 Hanford

$1026

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Hanford

1st place: CSAA

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

2nd place: Mercury

Mercury offers auto insurance rates at $792 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $868 for six months, making it the third cheapest auto insurance company in Hanford.

Hanford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hanford, CA is CSAA, offering policies at just $591 for a six-month term. This is followed by Mercury, which has an average six-month premium of $792.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1262 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hanford drivers find the best deals.

Cheap Car Insurance Companies in Hanford, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$591	$99
Mercury	$792	$133
AAA SoCal	$868	$144
Progressive	$913	$154
USAA	$967	$163
Allstate	$1000	$168
Wawanesa	$1006	$169
AAA NorCal	$1017	$173
Auto Club	$1049	$175
State Farm	$1110	$187
Kemper	$1306	$218
Farmers	$1459	$248
AAA	$1262	$211

Key Takeaways

Way's key takeaways about car insurance in Hanford

The auto insurance costs in Hanford fall around $591 for six months.
The cheapest auto insurance company in Hanford is CSAA.
Teen drivers pay the highest rate in Hanford at $536 per month.

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Cheapest Minimum Liability Car Insurance in Hanford

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 Hanford are given below.

CSAA provides the cheapest minimum car insurance coverage in Hanford. Their Average 6 Month Premium is $142. Farmers is the most expensive at $465 for the same period.

Cheapest Liability Coverage in Hanford, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$142	$24
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
AAA	$388	$66
Allstate	$388	$65
Farmers	$465	$79

Cheapest Full Coverage Car Insurance in Hanford

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 Hanford is CSAA at $99 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hanford, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$591	$99
Mercury	$792	$133
AAA SoCal	$868	$144
Progressive	$913	$154
USAA	$967	$163
Allstate	$1000	$168
Wawanesa	$1006	$169
AAA NorCal	$1017	$173
Auto Club	$1049	$175
State Farm	$1110	$187
Kemper	$1306	$218
Farmers	$1459	$248
AAA	$1262	$211

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Average Car Insurance in Hanford 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 Hanford, CA increasing?

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

Car Insurance Premiums by Age in Hanford

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 Hanford,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Hanford at $63 per month. At $3219 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$383	$63
Capital Insurance Group	$481	$82
USAA	$1147	$193
Mercury	$1164	$196
Wawanesa	$1279	$213
Progressive	$1339	$225
CSAA	$1612	$271
State Farm	$1913	$322
AAA SoCal	$2071	$345
Allstate	$2219	$374
Auto Club	$2366	$395
AAA NorCal	$3153	$536
Farmers	$3219	$536

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 Hanford.

As young drivers face the highest rates in Hanford, 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 Hanford.

Car Insurance Rates with An Accident in Hanford

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

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

The cheapest car insurance companies after an at-fault accident in Hanford include AAA and Capital Insurance Group, offering $344 and $502, respectively. Allstate is an expensive provider with an average six-month premium of $2476.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$344	$57
Capital Insurance Group	$502	$86
CSAA	$673	$113
Mercury	$972	$164
USAA	$1006	$169
Progressive	$1164	$196
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

Hanford Car Insurance Rates by Violation

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

Hanford 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 Hanford 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 Hanford.

The cheapest car insurance premiums in Hanford are offered by Capital Insurance Group at $749 for a six-month policy. However, it can be as expensive as $688 with companies like AAA.

Hanford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$749	$127
Mercury	$891	$150
Travelers	$1039	$177
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
AAA	$688	$117

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 Hanford are offered by CSAA at $87. However, it can be as expensive as $2065 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hanford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$87	$15
Capital Insurance Group	$481	$82
Mercury	$820	$138
USAA	$858	$146
Progressive	$924	$155
AAA NorCal	$1279	$217
AAA SoCal	$1372	$228
Allstate	$1410	$240
State Farm	$1492	$248
Farmers	$2065	$351

Car Insurance Price Trends in Hanford, California

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

The average cost of full coverage in the Hanford remained steady at $177 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hanford rose to $51 in December, compared to $50 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hanford?

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

What is the cheapest car insurance in Hanford?

The cheapest car insurance in Hanford is $99 per month for full coverage.

How much is car insurance in Hanford for teenagers?

Car insurance for teenagers costs $383 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 Hanford?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $172 per month to insure your car in Hanford.

Is car insurance expensive in Hanford?

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

Cheapest Car Insurance Quotes in Hanford

Why you can trust Way?

How Much Is Car Insurance in Hanford

Avg. Car Insurance in Hanford

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Hanford

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Hanford Car Insurance Rates by Company

Cheap Car Insurance Companies in Hanford, CA

Way's key takeaways about car insurance in Hanford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hanford

Cheapest Liability Coverage in Hanford, CA

Cheapest Full Coverage Car Insurance in Hanford

Cheapest Full Coverage Car Insurance Quotes in Hanford, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hanford by Rating Factor

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

Car Insurance Premiums by Age in Hanford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hanford,CA

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

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 Hanford

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

Hanford Car Insurance Rates by Violation

Hanford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hanford after a DUI

Hanford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hanford after Speeding ticket

Car Insurance Price Trends in Hanford, California

Average Car Insurance Cost in Hanford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hanford, CA

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

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