Cheapest Car Insurance Quotes in Montclair

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Montclair Car Insurance

^$ 28

/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 Montclair

The car insurance rate in Montclair is $1102 for a six-month policy, which is $91 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $700, making it a popular choice for budget-conscious drivers. Rates in Montclair 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 Montclair

$1102

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Montclair

1st place: CSAA

At $700 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $887 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $938 for six months, making it the third cheapest auto insurance company in Montclair.

Montclair Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montclair, CA is CSAA, offering policies at just $700 for a six-month term. This is followed by USAA, which has an average six-month premium of $887.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $841 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montclair drivers find the best deals.

Cheap Car Insurance Companies in Montclair, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$700	$118
USAA	$887	$149
Mercury	$938	$158
AAA SoCal	$1029	$175
Progressive	$1081	$182
Allstate	$1185	$199
Wawanesa	$1191	$201
AAA NorCal	$1204	$205
Auto Club	$1243	$207
State Farm	$1315	$221
AAA	$1495	$250
Kemper	$1548	$263
Farmers	$1729	$288
Capital Insurance Group	$771	$129
National General	$784	$133
State National	$797	$133
Hartford	$841	$143

Key Takeaways

Way's key takeaways about car insurance in Montclair

The auto insurance costs in Montclair fall around $700 for six months.
The cheapest auto insurance company in Montclair is CSAA.
Teen drivers pay the highest rate in Montclair at $73 per month.

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

Cheapest Minimum Liability Car Insurance in Montclair

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 Montclair are given below.

CSAA provides the cheapest minimum car insurance coverage in Montclair. Their Average 6 Month Premium is $168. 21st Century is the most expensive at $440 for the same period.

Cheapest Liability Coverage in Montclair, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$168	$28
AAA	$298	$50
USAA	$311	$52
AAA NorCal	$324	$55
AAA SoCal	$370	$63
Progressive	$376	$63
Auto Club	$382	$65
State Farm	$395	$66
Wawanesa	$401	$68
Mercury	$427	$72
Allstate	$460	$77
Farmers	$550	$92
Kemper	$304	$51
Capital Insurance Group	$330	$57
State National	$350	$60
National General	$434	$72
21st Century	$440	$75

Cheapest Full Coverage Car Insurance in Montclair

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 Montclair is CSAA at $118 per month and $700 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montclair, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$700	$118
USAA	$887	$149
Mercury	$938	$158
AAA SoCal	$1029	$175
Progressive	$1081	$182
Allstate	$1185	$199
Wawanesa	$1191	$201
AAA NorCal	$1204	$205
Auto Club	$1243	$207
State Farm	$1315	$221
AAA	$1495	$250
Kemper	$1548	$263
Farmers	$1729	$288
Capital Insurance Group	$771	$129
National General	$784	$133
State National	$797	$133
Hartford	$841	$143

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Average Car Insurance in Montclair 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 Montclair, CA increasing?

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

Car Insurance Premiums by Age in Montclair

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	$638
30s	Wawanesa	$514
40s	Wawanesa	$514
50s	Wawanesa	$514
60s	Wawanesa	$514
70s	Wawanesa	$504

Cheapest Car Insurance Rates for Teen Drivers in Montclair,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Montclair at $43 per month. At $427 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$253	$43
Capital Insurance Group	$570	$95
USAA	$1359	$229
Mercury	$1379	$232
Wawanesa	$1515	$257
Progressive	$1586	$267
CSAA	$1910	$322
State Farm	$2266	$382
AAA SoCal	$2454	$417
Allstate	$2629	$443
Auto Club	$2803	$476
AAA NorCal	$3735	$622
Farmers	$3814	$649
State National	$408	$68
Marcury	$427	$73

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 Montclair.

As young drivers face the highest rates in Montclair, Wawanesa offers the cheapest auto insurance rates at $638 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 Montclair.

Car Insurance Rates with An Accident in Montclair

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

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

The cheapest car insurance companies after an at-fault accident in Montclair include AAA and Capital Insurance Group, offering $414 and $595, respectively. 21st Century is an expensive provider with an average six-month premium of $744.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$414	$70
Capital Insurance Group	$595	$101
CSAA	$797	$134
USAA	$1191	$201
Progressive	$1379	$232
Mercury	$1463	$249
Wawanesa	$1683	$280
AAA SoCal	$1768	$301
Auto Club	$1865	$311
Farmers	$1916	$323
State Farm	$2279	$384
AAA NorCal	$2441	$415
Allstate	$2933	$494
State National	$492	$82
Hartford	$570	$97
National General	$654	$109
Nationwide	$705	$120
21st Century	$744	$124

Montclair Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montclair CA. For example, the car insurance in Montclair after a DUI increases to $1896 for a six month policy. While the rate increases by $498 for a six-month policy in the case of a speeding ticket.

Montclair auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1185	$197
Not-at-fault accident	$1185	$202
One comp claim	$1185	$197
One Med/PIP claim	$1185	$202
Two comp claims	$1185	$197
Two Med/PIP claims	$1185	$202
At-fault accident - less than $1000	$1211	$202
Failure to show documents	$1561	$265
Driving with expired registration	$1592	$266
Driving without lights	$1592	$270
Failure to wear a seat belt	$1599	$267
Child safety restraint	$1612	$274
Speeding 11 - 15 MPH over limit	$1676	$279
Speeding 16 - 20 MPH over limit	$1676	$286
Driving too slowly	$1683	$280
Failure to stop at a red light	$1683	$287
Failure to yield	$1683	$280
Following too closely	$1683	$287
Illegal turn	$1683	$280
In 65 MPH zone	$1683	$287
Speeding 21 - 25 MPH over limit	$1683	$280
Speeding 6 - 10 MPH over limit	$1683	$287
Speeding in school zone	$1683	$280
Improper passing	$1690	$288
Cell phone violation	$1696	$282
Texting while driving	$1696	$289
Passing school bus	$1716	$286
Wrong way/wrong lane	$2007	$341
Operating a vehicle without permission	$2052	$342
At-fault accident - $1000-$2000	$2066	$351
At-fault accident - greater than $2000	$2066	$344
Open container	$2072	$352
Driving with a suspended license	$2402	$400
Reckless driving	$2927	$498
Racing	$2959	$493
Leaving scene of an accident/hit and run	$2971	$506
DUI	$3081	$513
Refusal to submit to a chemical test	$3081	$524

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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 Montclair 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 Montclair.

The cheapest car insurance premiums in Montclair are offered by AAA at $815 for a six-month policy. However, it can be as expensive as $687 with companies like Kemper.

Montclair car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$815	$138
Capital Insurance Group	$887	$148
Mercury	$1055	$178
Progressive	$1561	$263
Wawanesa	$1897	$323
Farmers	$2013	$339
USAA	$2143	$361
CSAA	$2266	$382
AAA SoCal	$3277	$557
Auto Club	$3749	$625
AAA NorCal	$4319	$735
State Farm	$4610	$776
Allstate	$4746	$799
Travelers	$913	$153
National General	$427	$71
Kemper	$687	$114

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 Montclair are offered by CSAA at $104. However, it can be as expensive as $492 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Montclair after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$104	$17
Capital Insurance Group	$570	$95
Mercury	$971	$164
USAA	$1017	$169
Progressive	$1094	$184
AAA NorCal	$1515	$253
AAA SoCal	$1625	$277
Allstate	$1671	$278
State Farm	$1768	$301
Farmers	$2447	$408
AAA	$317	$53
Kemper	$401	$69
National General	$427	$71
State National	$492	$84

Car Insurance Price Trends in Montclair, California

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

The average cost of full coverage in the Montclair rose by $209 in December compared to $207 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 Montclair rose to $59 in December, compared to $57 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 Montclair?

The car insurance in Montclair is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Montclair?

The cheapest car insurance in Montclair is $118 per month for full coverage.

How much is car insurance in Montclair for teenagers?

Car insurance for teenagers costs $253 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 Montclair?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $185 per month to insure your car in Montclair.

Is car insurance expensive in Montclair?

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

Cheapest Car Insurance Quotes in Montclair

Why you can trust Way?

How Much Is Car Insurance in Montclair

Avg. Car Insurance in Montclair

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Montclair

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Montclair Car Insurance Rates by Company

Cheap Car Insurance Companies in Montclair, CA

Way's key takeaways about car insurance in Montclair

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Montclair

Cheapest Liability Coverage in Montclair, CA

Cheapest Full Coverage Car Insurance in Montclair

Cheapest Full Coverage Car Insurance Quotes in Montclair, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Montclair by Rating Factor

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

Car Insurance Premiums by Age in Montclair

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Montclair,CA

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

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 Montclair

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

Montclair Car Insurance Rates by Violation

Montclair auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Montclair after a DUI

Montclair car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Montclair after Speeding ticket

Car Insurance Price Trends in Montclair, California

Average Car Insurance Cost in Montclair by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Montclair, CA

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

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