Cheapest Car Insurance Quotes in Happy Camp

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Happy Camp Car Insurance

^$ 23

/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 Happy Camp

The car insurance rate in Happy Camp is $910 for a six-month policy, which is $101 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $578, making it a popular choice for budget-conscious drivers. Rates in Happy 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 Happy Camp

$910

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Happy Camp

1st place: CSAA

At $578 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $733 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $775 for six months, making it the third cheapest auto insurance company in Happy Camp.

Happy Camp Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Happy Camp, CA is CSAA, offering policies at just $578 for a six-month term. This is followed by USAA, which has an average six-month premium of $733.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $695 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Happy Camp drivers find the best deals.

Cheap Car Insurance Companies in Happy Camp, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$578	$97
USAA	$733	$123
Mercury	$775	$131
AAA SoCal	$850	$145
Progressive	$893	$150
Allstate	$978	$165
Wawanesa	$984	$166
AAA NorCal	$995	$169
Auto Club	$1026	$171
State Farm	$1085	$183
AAA	$1235	$206
Kemper	$1278	$217
Farmers	$1427	$238
Capital Insurance Group	$636	$106
National General	$647	$110
State National	$658	$110
Hartford	$695	$118

Key Takeaways

Way's key takeaways about car insurance in Happy Camp

The auto insurance costs in Happy Camp fall around $578 for six months.
The cheapest auto insurance company in Happy Camp is CSAA.
Teen drivers pay the highest rate in Happy Camp at $60 per month.

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

Cheapest Minimum Liability Car Insurance in Happy 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 Happy Camp are given below.

CSAA provides the cheapest minimum car insurance coverage in Happy Camp. Their Average 6 Month Premium is $139. 21st Century is the most expensive at $364 for the same period.

Cheapest Liability Coverage in Happy Camp, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$139	$23
AAA	$246	$41
USAA	$257	$43
AAA NorCal	$267	$45
AAA SoCal	$305	$52
Progressive	$311	$52
Auto Club	$315	$54
State Farm	$326	$55
Wawanesa	$331	$56
Mercury	$353	$59
Allstate	$380	$64
Farmers	$455	$76
Kemper	$251	$42
Capital Insurance Group	$273	$47
State National	$289	$50
National General	$358	$59
21st Century	$364	$62

Cheapest Full Coverage Car Insurance in Happy 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 Happy Camp is CSAA at $97 per month and $578 for six months.

Cheapest Full Coverage Car Insurance Quotes in Happy Camp, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$578	$97
USAA	$733	$123
Mercury	$775	$131
AAA SoCal	$850	$145
Progressive	$893	$150
Allstate	$978	$165
Wawanesa	$984	$166
AAA NorCal	$995	$169
Auto Club	$1026	$171
State Farm	$1085	$183
AAA	$1235	$206
Kemper	$1278	$217
Farmers	$1427	$238
Capital Insurance Group	$636	$106
National General	$647	$110
State National	$658	$110
Hartford	$695	$118

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Average Car Insurance in Happy 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 Happy Camp, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Happy 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, Happy 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 Happy 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	$527
30s	Wawanesa	$425
40s	Wawanesa	$425
50s	Wawanesa	$425
60s	Wawanesa	$425
70s	Wawanesa	$416

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Happy Camp at $35 per month. At $353 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$209	$35
Capital Insurance Group	$471	$78
USAA	$1122	$189
Mercury	$1139	$192
Wawanesa	$1251	$212
Progressive	$1310	$221
CSAA	$1577	$266
State Farm	$1871	$315
AAA SoCal	$2026	$345
Allstate	$2171	$365
Auto Club	$2315	$393
AAA NorCal	$3084	$514
Farmers	$3149	$536
State National	$337	$56
Marcury	$353	$60

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 Happy Camp.

As young drivers face the highest rates in Happy Camp, Wawanesa offers the cheapest auto insurance rates at $527 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.

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Save up to $971/yr on car insurance rates in Happy Camp.

Car Insurance Rates with An Accident in Happy 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 Happy Camp, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Happy Camp include AAA and Capital Insurance Group, offering $342 and $491, respectively. 21st Century is an expensive provider with an average six-month premium of $615.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$342	$58
Capital Insurance Group	$491	$84
CSAA	$658	$111
USAA	$984	$166
Progressive	$1139	$192
Mercury	$1208	$205
Wawanesa	$1390	$231
AAA SoCal	$1460	$248
Auto Club	$1540	$257
Farmers	$1582	$266
State Farm	$1882	$317
AAA NorCal	$2015	$343
Allstate	$2422	$408
State National	$406	$68
Hartford	$471	$80
National General	$540	$90
Nationwide	$582	$99
21st Century	$615	$103

Happy Camp Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Happy Camp CA. For example, the car insurance in Happy Camp after a DUI increases to $1566 for a six month policy. While the rate increases by $412 for a six-month policy in the case of a speeding ticket.

Happy Camp auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$978	$163
Not-at-fault accident	$978	$167
One comp claim	$978	$163
One Med/PIP claim	$978	$167
Two comp claims	$978	$163
Two Med/PIP claims	$978	$167
At-fault accident - less than $1000	$1000	$167
Failure to show documents	$1289	$219
Driving with expired registration	$1315	$220
Driving without lights	$1315	$223
Failure to wear a seat belt	$1320	$221
Child safety restraint	$1331	$226
Speeding 11 - 15 MPH over limit	$1384	$230
Speeding 16 - 20 MPH over limit	$1384	$236
Driving too slowly	$1390	$231
Failure to stop at a red light	$1390	$237
Failure to yield	$1390	$231
Following too closely	$1390	$237
Illegal turn	$1390	$231
In 65 MPH zone	$1390	$237
Speeding 21 - 25 MPH over limit	$1390	$231
Speeding 6 - 10 MPH over limit	$1390	$237
Speeding in school zone	$1390	$231
Improper passing	$1395	$238
Cell phone violation	$1400	$233
Texting while driving	$1400	$239
Passing school bus	$1417	$236
Wrong way/wrong lane	$1657	$282
Operating a vehicle without permission	$1695	$283
At-fault accident - $1000-$2000	$1706	$290
At-fault accident - greater than $2000	$1706	$284
Open container	$1711	$291
Driving with a suspended license	$1984	$330
Reckless driving	$2417	$411
Racing	$2444	$407
Leaving scene of an accident/hit and run	$2453	$418
DUI	$2544	$424
Refusal to submit to a chemical test	$2544	$433

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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 Happy 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 Happy Camp.

The cheapest car insurance premiums in Happy Camp are offered by AAA at $673 for a six-month policy. However, it can be as expensive as $567 with companies like Kemper.

Happy Camp car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$673	$114
Capital Insurance Group	$733	$122
Mercury	$871	$147
Progressive	$1289	$217
Wawanesa	$1566	$266
Farmers	$1662	$280
USAA	$1769	$298
CSAA	$1871	$315
AAA SoCal	$2705	$460
Auto Club	$3095	$516
AAA NorCal	$3566	$607
State Farm	$3806	$641
Allstate	$3919	$660
Travelers	$754	$126
National General	$353	$59
Kemper	$567	$95

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 Happy Camp are offered by CSAA at $86. However, it can be as expensive as $406 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Happy Camp after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$86	$14
Capital Insurance Group	$471	$78
Mercury	$802	$135
USAA	$840	$140
Progressive	$904	$152
AAA NorCal	$1251	$209
AAA SoCal	$1342	$229
Allstate	$1380	$230
State Farm	$1460	$248
Farmers	$2021	$337
AAA	$262	$44
Kemper	$331	$57
National General	$353	$59
State National	$406	$69

Car Insurance Price Trends in Happy Camp, California

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

The average cost of full coverage in the Happy Camp rose by $173 in December compared to $171 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 Happy Camp rose to $49 in December, compared to $47 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 Happy Camp?

The car insurance in Happy Camp is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Happy Camp?

The cheapest car insurance in Happy Camp is $97 per month for full coverage.

How much is car insurance in Happy Camp for teenagers?

Car insurance for teenagers costs $209 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 Happy Camp?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $153 per month to insure your car in Happy Camp.

Is car insurance expensive in Happy Camp?

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

Cheapest Car Insurance Quotes in Happy Camp

Why you can trust Way?

How Much Is Car Insurance in Happy Camp

Avg. Car Insurance in Happy Camp

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Happy Camp

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Happy Camp Car Insurance Rates by Company

Cheap Car Insurance Companies in Happy Camp, CA

Way's key takeaways about car insurance in Happy Camp

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Happy Camp

Cheapest Liability Coverage in Happy Camp, CA

Cheapest Full Coverage Car Insurance in Happy Camp

Cheapest Full Coverage Car Insurance Quotes in Happy Camp, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Happy Camp by Rating Factor

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

Car Insurance Premiums by Age in Happy Camp

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Happy Camp Car Insurance Rates by Violation

Happy Camp auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Happy Camp after a DUI

Happy Camp car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Happy Camp after Speeding ticket

Car Insurance Price Trends in Happy Camp, California

Average Car Insurance Cost in Happy Camp by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Happy Camp, CA

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

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