Cheapest Car Insurance Quotes in Malibu

Finding the cheapest car insurance quotes in Malibu shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Malibu Car Insurance

^$ 33

/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 Malibu

The car insurance rate in Malibu is $1294 for a six-month policy, which is $283 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $822, making it a popular choice for budget-conscious drivers. Rates in Malibu 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 Malibu

$1294

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Malibu

1st place: CSAA

At $822 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1042 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1102 for six months, making it the third cheapest auto insurance company in Malibu.

Malibu Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Malibu, CA is CSAA, offering policies at just $822 for a six-month term. This is followed by USAA, which has an average six-month premium of $1042.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $988 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Malibu drivers find the best deals.

Cheap Car Insurance Companies in Malibu, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$822	$138
USAA	$1042	$175
Mercury	$1102	$186
AAA SoCal	$1208	$206
Progressive	$1270	$214
Allstate	$1391	$234
Wawanesa	$1399	$236
AAA NorCal	$1414	$241
Auto Club	$1459	$243
State Farm	$1544	$260
AAA	$1756	$293
Kemper	$1818	$308
Farmers	$2030	$338
Capital Insurance Group	$905	$151
National General	$920	$156
State National	$936	$156
Hartford	$988	$168

Key Takeaways

Way's key takeaways about car insurance in Malibu

The auto insurance costs in Malibu fall around $822 for six months.
The cheapest auto insurance company in Malibu is CSAA.
Teen drivers pay the highest rate in Malibu at $86 per month.

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Cheapest Minimum Liability Car Insurance in Malibu

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 Malibu are given below.

CSAA provides the cheapest minimum car insurance coverage in Malibu. Their Average 6 Month Premium is $197. 21st Century is the most expensive at $517 for the same period.

Cheapest Liability Coverage in Malibu, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$197	$33
AAA	$349	$59
USAA	$365	$61
AAA NorCal	$380	$64
AAA SoCal	$434	$74
Progressive	$442	$74
Auto Club	$448	$77
State Farm	$463	$78
Wawanesa	$471	$79
Mercury	$502	$84
Allstate	$540	$91
Farmers	$646	$108
Kemper	$357	$60
Capital Insurance Group	$388	$67
State National	$411	$70
National General	$509	$84
21st Century	$517	$88

Cheapest Full Coverage Car Insurance in Malibu

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 Malibu is CSAA at $138 per month and $822 for six months.

Cheapest Full Coverage Car Insurance Quotes in Malibu, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$822	$138
USAA	$1042	$175
Mercury	$1102	$186
AAA SoCal	$1208	$206
Progressive	$1270	$214
Allstate	$1391	$234
Wawanesa	$1399	$236
AAA NorCal	$1414	$241
Auto Club	$1459	$243
State Farm	$1544	$260
AAA	$1756	$293
Kemper	$1818	$308
Farmers	$2030	$338
Capital Insurance Group	$905	$151
National General	$920	$156
State National	$936	$156
Hartford	$988	$168

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Average Car Insurance in Malibu 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 Malibu, CA increasing?

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

Car Insurance Premiums by Age in Malibu

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	$749
30s	Wawanesa	$604
40s	Wawanesa	$604
50s	Wawanesa	$604
60s	Wawanesa	$604
70s	Wawanesa	$591

Cheapest Car Insurance Rates for Teen Drivers in Malibu,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Malibu at $50 per month. At $502 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$297	$50
Capital Insurance Group	$669	$111
USAA	$1596	$269
Mercury	$1619	$273
Wawanesa	$1779	$302
Progressive	$1862	$314
CSAA	$2243	$378
State Farm	$2661	$448
AAA SoCal	$2881	$490
Allstate	$3087	$520
Auto Club	$3292	$559
AAA NorCal	$4387	$731
Farmers	$4479	$762
State National	$479	$79
Marcury	$502	$86

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 Malibu.

As young drivers face the highest rates in Malibu, Wawanesa offers the cheapest auto insurance rates at $749 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 Malibu.

Car Insurance Rates with An Accident in Malibu

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

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

The cheapest car insurance companies after an at-fault accident in Malibu include AAA and Capital Insurance Group, offering $486 and $699, respectively. 21st Century is an expensive provider with an average six-month premium of $874.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$486	$82
Capital Insurance Group	$699	$119
CSAA	$936	$157
USAA	$1399	$236
Progressive	$1619	$273
Mercury	$1718	$292
Wawanesa	$1976	$329
AAA SoCal	$2076	$353
Auto Club	$2190	$365
Farmers	$2250	$379
State Farm	$2676	$451
AAA NorCal	$2866	$488
Allstate	$3444	$580
State National	$577	$96
Hartford	$669	$114
National General	$768	$128
Nationwide	$828	$141
21st Century	$874	$146

Malibu Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Malibu CA. For example, the car insurance in Malibu after a DUI increases to $2228 for a six month policy. While the rate increases by $585 for a six-month policy in the case of a speeding ticket.

Malibu auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1391	$232
Not-at-fault accident	$1391	$237
One comp claim	$1391	$232
One Med/PIP claim	$1391	$237
Two comp claims	$1391	$232
Two Med/PIP claims	$1391	$237
At-fault accident - less than $1000	$1422	$237
Failure to show documents	$1833	$311
Driving with expired registration	$1870	$312
Driving without lights	$1870	$317
Failure to wear a seat belt	$1878	$314
Child safety restraint	$1893	$321
Speeding 11 - 15 MPH over limit	$1969	$328
Speeding 16 - 20 MPH over limit	$1969	$335
Driving too slowly	$1976	$329
Failure to stop at a red light	$1976	$337
Failure to yield	$1976	$329
Following too closely	$1976	$337
Illegal turn	$1976	$329
In 65 MPH zone	$1976	$337
Speeding 21 - 25 MPH over limit	$1976	$329
Speeding 6 - 10 MPH over limit	$1976	$337
Speeding in school zone	$1976	$329
Improper passing	$1984	$338
Cell phone violation	$1992	$332
Texting while driving	$1992	$339
Passing school bus	$2015	$335
Wrong way/wrong lane	$2356	$401
Operating a vehicle without permission	$2410	$402
At-fault accident - $1000-$2000	$2426	$412
At-fault accident - greater than $2000	$2426	$404
Open container	$2433	$413
Driving with a suspended license	$2821	$470
Reckless driving	$3437	$585
Racing	$3475	$579
Leaving scene of an accident/hit and run	$3489	$594
DUI	$3619	$603
Refusal to submit to a chemical test	$3619	$616

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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 Malibu 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 Malibu.

The cheapest car insurance premiums in Malibu are offered by AAA at $957 for a six-month policy. However, it can be as expensive as $806 with companies like Kemper.

Malibu car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$957	$163
Capital Insurance Group	$1042	$174
Mercury	$1239	$209
Progressive	$1833	$308
Wawanesa	$2227	$379
Farmers	$2364	$398
USAA	$2516	$424
CSAA	$2661	$448
AAA SoCal	$3848	$654
Auto Club	$4402	$733
AAA NorCal	$5071	$863
State Farm	$5413	$911
Allstate	$5573	$938
Travelers	$1073	$179
National General	$502	$83
Kemper	$806	$134

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 Malibu are offered by CSAA at $122. However, it can be as expensive as $577 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Malibu after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$122	$20
Capital Insurance Group	$669	$111
Mercury	$1140	$192
USAA	$1194	$198
Progressive	$1285	$216
AAA NorCal	$1779	$297
AAA SoCal	$1908	$325
Allstate	$1962	$326
State Farm	$2076	$353
Farmers	$2874	$479
AAA	$372	$63
Kemper	$471	$81
National General	$502	$83
State National	$577	$99

Car Insurance Price Trends in Malibu, California

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

The average cost of full coverage in the Malibu rose by $246 in December compared to $243 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Malibu rose to $69 in December, compared to $67 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 Malibu?

The car insurance in Malibu is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Malibu?

The cheapest car insurance in Malibu is $138 per month for full coverage.

How much is car insurance in Malibu for teenagers?

Car insurance for teenagers costs $297 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 Malibu?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $218 per month to insure your car in Malibu.

Is car insurance expensive in Malibu?

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

Cheapest Car Insurance Quotes in Malibu

Why you can trust Way?

How Much Is Car Insurance in Malibu

Avg. Car Insurance in Malibu

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Malibu

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Malibu Car Insurance Rates by Company

Cheap Car Insurance Companies in Malibu, CA

Way's key takeaways about car insurance in Malibu

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Malibu

Cheapest Liability Coverage in Malibu, CA

Cheapest Full Coverage Car Insurance in Malibu

Cheapest Full Coverage Car Insurance Quotes in Malibu, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Malibu by Rating Factor

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

Car Insurance Premiums by Age in Malibu

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Malibu,CA

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

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 Malibu

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

Malibu Car Insurance Rates by Violation

Malibu auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Malibu after a DUI

Malibu car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Malibu after Speeding ticket

Car Insurance Price Trends in Malibu, California

Average Car Insurance Cost in Malibu by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Malibu, CA

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

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