Cheapest Car Insurance Quotes in McKinleyville

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McKinleyville Car Insurance

^$ 21

/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 McKinleyville

The car insurance rate in McKinleyville is $996 for a six-month policy, which is $249 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $514, making it a popular choice for budget-conscious drivers. Rates in McKinleyville 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 McKinleyville

$996

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in McKinleyville

1st place: CSAA

At $514 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $822 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $836 for six months, making it the third cheapest auto insurance company in McKinleyville.

McKinleyville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McKinleyville, CA is CSAA, offering policies at just $514 for a six-month term. This is followed by Mercury, which has an average six-month premium of $822.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1098 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McKinleyville drivers find the best deals.

Cheap Car Insurance Companies in McKinleyville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$514	$86
Mercury	$822	$138
AAA NorCal	$836	$142
Progressive	$836	$141
Wawanesa	$874	$147
USAA	$889	$150
Auto Club	$912	$155
Allstate	$1017	$171
AAA SoCal	$1074	$182
Kemper	$1136	$190
State Farm	$1217	$205
Travelers	$1359	$226
Farmers	$1364	$232
AAA	$1098	$183

Key Takeaways

Way's key takeaways about car insurance in McKinleyville

The auto insurance costs in McKinleyville fall around $514 for six months.
The cheapest auto insurance company in McKinleyville is CSAA.
Teen drivers pay the highest rate in McKinleyville at $482 per month.

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Cheapest Minimum Liability Car Insurance in McKinleyville

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 McKinleyville are given below.

CSAA provides the cheapest minimum car insurance coverage in McKinleyville. Their Average 6 Month Premium is $123. Travelers is the most expensive at $522 for the same period.

Cheapest Liability Coverage in McKinleyville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$123	$21
AAA NorCal	$204	$34
USAA	$233	$39
Progressive	$276	$46
Auto Club	$280	$46
Wawanesa	$294	$50
AAA	$338	$56
AAA SoCal	$342	$58
Mercury	$342	$58
State Farm	$375	$63
Allstate	$433	$73
Farmers	$466	$79
Travelers	$522	$87

Cheapest Full Coverage Car Insurance in McKinleyville

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 McKinleyville is CSAA at $86 per month and $514 for six months.

Cheapest Full Coverage Car Insurance Quotes in McKinleyville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$514	$86
Mercury	$822	$138
AAA NorCal	$836	$142
Progressive	$836	$141
Wawanesa	$874	$147
USAA	$889	$150
Auto Club	$912	$155
Allstate	$1017	$171
AAA SoCal	$1074	$182
Kemper	$1136	$190
State Farm	$1217	$205
Travelers	$1359	$226
Farmers	$1364	$232
AAA	$1098	$183

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Average Car Insurance in McKinleyville 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 McKinleyville, CA increasing?

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

Car Insurance Premiums by Age in McKinleyville

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	$480
30s	Wawanesa	$387
40s	Wawanesa	$387
50s	Wawanesa	$387
60s	Wawanesa	$387
70s	Wawanesa	$379

Cheapest Car Insurance Rates for Teen Drivers in McKinleyville,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the McKinleyville at $57 per month. At $2894 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$333	$57
Capital Insurance Group	$418	$70
USAA	$1088	$183
Wawanesa	$1112	$186
Progressive	$1274	$214
Mercury	$1321	$222
CSAA	$1402	$236
Auto Club	$2058	$343
State Farm	$2100	$354
Allstate	$2442	$411
AAA SoCal	$2585	$439
AAA NorCal	$2618	$436
Travelers	$2718	$462
Farmers	$2894	$482

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 McKinleyville.

As young drivers face the highest rates in McKinleyville, Wawanesa offers the cheapest auto insurance rates at $480 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 McKinleyville.

Car Insurance Rates with An Accident in McKinleyville

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

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

The cheapest car insurance companies after an at-fault accident in McKinleyville include AAA and Capital Insurance Group, offering $299 and $437, respectively. Allstate is an expensive provider with an average six-month premium of $2761.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$299	$50
Capital Insurance Group	$437	$74
CSAA	$585	$98
USAA	$960	$162
Mercury	$1050	$177
Progressive	$1098	$185
Wawanesa	$1235	$206
Auto Club	$1369	$233
Farmers	$1497	$252
AAA NorCal	$1697	$289
AAA SoCal	$1839	$306
State Farm	$2172	$366
Travelers	$2618	$436
Allstate	$2761	$465

McKinleyville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McKinleyville CA. For example, the car insurance in McKinleyville after a DUI increases to $1392 for a six month policy. While the rate increases by $365 for a six-month policy in the case of a speeding ticket.

McKinleyville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$870	$145
Not-at-fault accident	$870	$148
One comp claim	$870	$145
One Med/PIP claim	$870	$148
Two comp claims	$870	$145
Two Med/PIP claims	$870	$148
At-fault accident - less than $1000	$889	$148
Failure to show documents	$1146	$194
Driving with expired registration	$1169	$195
Driving without lights	$1169	$198
Failure to wear a seat belt	$1174	$196
Child safety restraint	$1183	$201
Speeding 11 - 15 MPH over limit	$1230	$205
Speeding 16 - 20 MPH over limit	$1230	$210
Driving too slowly	$1235	$206
Failure to stop at a red light	$1235	$210
Failure to yield	$1235	$206
Following too closely	$1235	$210
Illegal turn	$1235	$206
In 65 MPH zone	$1235	$210
Speeding 21 - 25 MPH over limit	$1235	$206
Speeding 6 - 10 MPH over limit	$1235	$210
Speeding in school zone	$1235	$206
Improper passing	$1240	$211
Cell phone violation	$1245	$207
Texting while driving	$1245	$212
Passing school bus	$1259	$210
Wrong way/wrong lane	$1473	$250
Operating a vehicle without permission	$1506	$251
At-fault accident - $1000-$2000	$1516	$258
At-fault accident - greater than $2000	$1516	$253
Open container	$1521	$258
Driving with a suspended license	$1763	$294
Reckless driving	$2148	$366
Racing	$2172	$362
Leaving scene of an accident/hit and run	$2181	$371
DUI	$2262	$377
Refusal to submit to a chemical test	$2262	$385

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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 McKinleyville 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 McKinleyville.

The cheapest car insurance premiums in McKinleyville are offered by Capital Insurance Group at $651 for a six-month policy. However, it can be as expensive as $598 with companies like AAA.

McKinleyville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$651	$109
Mercury	$931	$157
Progressive	$1235	$208
Wawanesa	$1392	$237
Farmers	$1563	$263
CSAA	$1663	$280
USAA	$1715	$289
Travelers	$1948	$328
Auto Club	$2751	$458
AAA NorCal	$3008	$511
AAA SoCal	$3374	$562
State Farm	$4282	$721
Allstate	$4362	$734
AAA	$598	$102

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 McKinleyville are offered by CSAA at $76. However, it can be as expensive as $2091 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in McKinleyville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$76	$13
Capital Insurance Group	$418	$71
Mercury	$898	$151
USAA	$917	$156
Progressive	$922	$155
AAA NorCal	$1060	$180
AAA SoCal	$1468	$245
Allstate	$1862	$317
Farmers	$1939	$323
State Farm	$2072	$352
Travelers	$2091	$349

Car Insurance Price Trends in McKinleyville, California

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

The average cost of full coverage in the McKinleyville rose by $170 in January compared to $154 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the McKinleyville rose to $49 in January, compared to $44 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in McKinleyville?

The car insurance in McKinleyville is $21 per month, which is lower than the national average.

What is the cheapest car insurance in McKinleyville?

The cheapest car insurance in McKinleyville is $86 per month for full coverage.

How much is car insurance in McKinleyville for teenagers?

Car insurance for teenagers costs $333 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 McKinleyville?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $167 per month to insure your car in McKinleyville.

Is car insurance expensive in McKinleyville?

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

Cheapest Car Insurance Quotes in McKinleyville

Why you can trust Way?

How Much Is Car Insurance in McKinleyville

Avg. Car Insurance in McKinleyville

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in McKinleyville

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

McKinleyville Car Insurance Rates by Company

Cheap Car Insurance Companies in McKinleyville, CA

Way's key takeaways about car insurance in McKinleyville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McKinleyville

Cheapest Liability Coverage in McKinleyville, CA

Cheapest Full Coverage Car Insurance in McKinleyville

Cheapest Full Coverage Car Insurance Quotes in McKinleyville, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McKinleyville by Rating Factor

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

Car Insurance Premiums by Age in McKinleyville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McKinleyville,CA

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

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 McKinleyville

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

McKinleyville Car Insurance Rates by Violation

McKinleyville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McKinleyville after a DUI

McKinleyville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McKinleyville after Speeding ticket

Car Insurance Price Trends in McKinleyville, California

Average Car Insurance Cost in McKinleyville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McKinleyville, CA

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

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