Cheapest Car Insurance Quotes in Morgan Hill

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Morgan Hill 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 Morgan Hill

The car insurance rate in Morgan Hill is $1133 for a six-month policy, which is $112 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $584, making it a popular choice for budget-conscious drivers. Rates in Morgan Hill 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 Morgan Hill

$1133

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Morgan Hill

1st place: CSAA

At $584 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $935 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 $951 for six months, making it the third cheapest auto insurance company in Morgan Hill.

Morgan Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morgan Hill, CA is CSAA, offering policies at just $584 for a six-month term. This is followed by Mercury, which has an average six-month premium of $935.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1249 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morgan Hill drivers find the best deals.

Cheap Car Insurance Companies in Morgan Hill, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$584	$98
Mercury	$935	$157
AAA NorCal	$951	$162
Progressive	$951	$160
Wawanesa	$995	$167
USAA	$1011	$170
Auto Club	$1037	$177
Allstate	$1157	$195
AAA SoCal	$1221	$207
Kemper	$1292	$216
State Farm	$1384	$233
Travelers	$1546	$258
Farmers	$1552	$264
AAA	$1249	$208

Key Takeaways

Way's key takeaways about car insurance in Morgan Hill

The auto insurance costs in Morgan Hill fall around $584 for six months.
The cheapest auto insurance company in Morgan Hill is CSAA.
Teen drivers pay the highest rate in Morgan Hill at $549 per month.

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Cheapest Minimum Liability Car Insurance in Morgan Hill

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 Morgan Hill are given below.

CSAA provides the cheapest minimum car insurance coverage in Morgan Hill. Their Average 6 Month Premium is $140. Travelers is the most expensive at $594 for the same period.

Cheapest Liability Coverage in Morgan Hill, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$140	$24
AAA NorCal	$232	$39
USAA	$265	$45
Progressive	$314	$53
Auto Club	$319	$53
Wawanesa	$335	$56
AAA	$384	$64
AAA SoCal	$389	$66
Mercury	$389	$66
State Farm	$427	$72
Allstate	$492	$83
Farmers	$530	$90
Travelers	$594	$99

Cheapest Full Coverage Car Insurance in Morgan Hill

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 Morgan Hill is CSAA at $98 per month and $584 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morgan Hill, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$584	$98
Mercury	$935	$157
AAA NorCal	$951	$162
Progressive	$951	$160
Wawanesa	$995	$167
USAA	$1011	$170
Auto Club	$1037	$177
Allstate	$1157	$195
AAA SoCal	$1221	$207
Kemper	$1292	$216
State Farm	$1384	$233
Travelers	$1546	$258
Farmers	$1552	$264
AAA	$1249	$208

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Average Car Insurance in Morgan Hill 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 Morgan Hill, CA increasing?

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

Car Insurance Premiums by Age in Morgan Hill

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	$546
30s	Wawanesa	$440
40s	Wawanesa	$440
50s	Wawanesa	$440
60s	Wawanesa	$440
70s	Wawanesa	$431

Cheapest Car Insurance Rates for Teen Drivers in Morgan Hill,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Morgan Hill at $65 per month. At $3291 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$379	$65
Capital Insurance Group	$476	$79
USAA	$1238	$208
Wawanesa	$1265	$211
Progressive	$1449	$244
Mercury	$1502	$253
CSAA	$1594	$268
Auto Club	$2341	$390
State Farm	$2389	$402
Allstate	$2778	$468
AAA SoCal	$2940	$500
AAA NorCal	$2978	$496
Travelers	$3092	$526
Farmers	$3291	$549

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 Morgan Hill.

As young drivers face the highest rates in Morgan Hill, Wawanesa offers the cheapest auto insurance rates at $546 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 Morgan Hill.

Car Insurance Rates with An Accident in Morgan Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Morgan Hill

The cheapest car insurance companies after an at-fault accident in Morgan Hill include AAA and Capital Insurance Group, offering $340 and $497, respectively. Allstate is an expensive provider with an average six-month premium of $3140.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$340	$56
Capital Insurance Group	$497	$85
CSAA	$665	$112
USAA	$1092	$184
Mercury	$1195	$201
Progressive	$1249	$210
Wawanesa	$1405	$234
Auto Club	$1557	$265
Farmers	$1703	$287
AAA NorCal	$1930	$329
AAA SoCal	$2092	$349
State Farm	$2471	$416
Travelers	$2978	$496
Allstate	$3140	$529

Morgan Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morgan Hill CA. For example, the car insurance in Morgan Hill after a DUI increases to $1584 for a six month policy. While the rate increases by $416 for a six-month policy in the case of a speeding ticket.

Morgan Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$989	$165
Not-at-fault accident	$989	$168
One comp claim	$989	$165
One Med/PIP claim	$989	$168
Two comp claims	$989	$165
Two Med/PIP claims	$989	$168
At-fault accident - less than $1000	$1011	$168
Failure to show documents	$1303	$221
Driving with expired registration	$1330	$222
Driving without lights	$1330	$226
Failure to wear a seat belt	$1335	$223
Child safety restraint	$1346	$228
Speeding 11 - 15 MPH over limit	$1400	$233
Speeding 16 - 20 MPH over limit	$1400	$238
Driving too slowly	$1405	$234
Failure to stop at a red light	$1405	$239
Failure to yield	$1405	$234
Following too closely	$1405	$239
Illegal turn	$1405	$234
In 65 MPH zone	$1405	$239
Speeding 21 - 25 MPH over limit	$1405	$234
Speeding 6 - 10 MPH over limit	$1405	$239
Speeding in school zone	$1405	$234
Improper passing	$1411	$240
Cell phone violation	$1416	$236
Texting while driving	$1416	$241
Passing school bus	$1432	$238
Wrong way/wrong lane	$1675	$285
Operating a vehicle without permission	$1714	$286
At-fault accident - $1000-$2000	$1724	$293
At-fault accident - greater than $2000	$1724	$288
Open container	$1730	$294
Driving with a suspended license	$2006	$334
Reckless driving	$2443	$416
Racing	$2471	$411
Leaving scene of an accident/hit and run	$2481	$422
DUI	$2573	$429
Refusal to submit to a chemical test	$2573	$438

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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 Morgan Hill 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 Morgan Hill.

The cheapest car insurance premiums in Morgan Hill are offered by Capital Insurance Group at $741 for a six-month policy. However, it can be as expensive as $681 with companies like AAA.

Morgan Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$741	$124
Mercury	$1059	$178
Progressive	$1405	$237
Wawanesa	$1583	$269
Farmers	$1778	$299
CSAA	$1892	$319
USAA	$1951	$329
Travelers	$2216	$373
Auto Club	$3129	$521
AAA NorCal	$3422	$581
AAA SoCal	$3837	$640
State Farm	$4870	$820
Allstate	$4962	$835
AAA	$681	$116

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 Morgan Hill are offered by CSAA at $86. However, it can be as expensive as $2379 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Morgan Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$86	$15
Capital Insurance Group	$476	$81
Mercury	$1022	$172
USAA	$1043	$177
Progressive	$1048	$177
AAA NorCal	$1206	$205
AAA SoCal	$1670	$278
Allstate	$2118	$360
Farmers	$2206	$368
State Farm	$2357	$400
Travelers	$2379	$397

Car Insurance Price Trends in Morgan Hill, California

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

The average cost of full coverage in the Morgan Hill rose by $193 in January compared to $175 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Morgan Hill rose to $56 in January, compared to $50 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Morgan Hill?

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

What is the cheapest car insurance in Morgan Hill?

The cheapest car insurance in Morgan Hill is $98 per month for full coverage.

How much is car insurance in Morgan Hill for teenagers?

Car insurance for teenagers costs $379 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 Morgan Hill?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $190 per month to insure your car in Morgan Hill.

Is car insurance expensive in Morgan Hill?

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

Cheapest Car Insurance Quotes in Morgan Hill

Why you can trust Way?

How Much Is Car Insurance in Morgan Hill

Avg. Car Insurance in Morgan Hill

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Morgan Hill

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Morgan Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Morgan Hill, CA

Way's key takeaways about car insurance in Morgan Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morgan Hill

Cheapest Liability Coverage in Morgan Hill, CA

Cheapest Full Coverage Car Insurance in Morgan Hill

Cheapest Full Coverage Car Insurance Quotes in Morgan Hill, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morgan Hill by Rating Factor

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

Car Insurance Premiums by Age in Morgan Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morgan Hill,CA

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

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 Morgan Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Morgan Hill

Morgan Hill Car Insurance Rates by Violation

Morgan Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morgan Hill after a DUI

Morgan Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morgan Hill after Speeding ticket

Car Insurance Price Trends in Morgan Hill, California

Average Car Insurance Cost in Morgan Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morgan Hill, CA

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

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