Cheapest Car Insurance Quotes in Mount Shasta

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Mount Shasta Car Insurance

^$ 20

/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 Mount Shasta

The car insurance rate in Mount Shasta is $789 for a six-month policy, which is $222 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $501, making it a popular choice for budget-conscious drivers. Rates in Mount Shasta 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 Mount Shasta

$789

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Mount Shasta

1st place: CSAA

At $501 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $635 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $672 for six months, making it the third cheapest auto insurance company in Mount Shasta.

Mount Shasta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Shasta, CA is CSAA, offering policies at just $501 for a six-month term. This is followed by USAA, which has an average six-month premium of $635.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $602 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Shasta drivers find the best deals.

Cheap Car Insurance Companies in Mount Shasta, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$501	$84
USAA	$635	$107
Mercury	$672	$113
AAA SoCal	$736	$126
Progressive	$774	$130
Allstate	$848	$143
Wawanesa	$853	$144
AAA NorCal	$862	$147
Auto Club	$889	$148
State Farm	$941	$158
AAA	$1070	$179
Kemper	$1108	$188
Farmers	$1237	$206
Capital Insurance Group	$551	$92
National General	$561	$95
State National	$570	$95
Hartford	$602	$102

Key Takeaways

Way's key takeaways about car insurance in Mount Shasta

The auto insurance costs in Mount Shasta fall around $501 for six months.
The cheapest auto insurance company in Mount Shasta is CSAA.
Teen drivers pay the highest rate in Mount Shasta at $52 per month.

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Cheapest Minimum Liability Car Insurance in Mount Shasta

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 Mount Shasta are given below.

CSAA provides the cheapest minimum car insurance coverage in Mount Shasta. Their Average 6 Month Premium is $120. 21st Century is the most expensive at $315 for the same period.

Cheapest Liability Coverage in Mount Shasta, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$120	$20
AAA	$213	$36
USAA	$222	$37
AAA NorCal	$232	$39
AAA SoCal	$264	$45
Progressive	$269	$45
Auto Club	$273	$47
State Farm	$282	$48
Wawanesa	$287	$48
Mercury	$306	$51
Allstate	$329	$55
Farmers	$394	$66
Kemper	$218	$37
Capital Insurance Group	$236	$41
State National	$250	$43
National General	$310	$51
21st Century	$315	$54

Cheapest Full Coverage Car Insurance in Mount Shasta

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 Mount Shasta is CSAA at $84 per month and $501 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Shasta, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$501	$84
USAA	$635	$107
Mercury	$672	$113
AAA SoCal	$736	$126
Progressive	$774	$130
Allstate	$848	$143
Wawanesa	$853	$144
AAA NorCal	$862	$147
Auto Club	$889	$148
State Farm	$941	$158
AAA	$1070	$179
Kemper	$1108	$188
Farmers	$1237	$206
Capital Insurance Group	$551	$92
National General	$561	$95
State National	$570	$95
Hartford	$602	$102

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Average Car Insurance in Mount Shasta 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 Mount Shasta, CA increasing?

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

Car Insurance Premiums by Age in Mount Shasta

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	$456
30s	Wawanesa	$368
40s	Wawanesa	$368
50s	Wawanesa	$368
60s	Wawanesa	$368
70s	Wawanesa	$360

Cheapest Car Insurance Rates for Teen Drivers in Mount Shasta,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Mount Shasta at $30 per month. At $306 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$181	$30
Capital Insurance Group	$408	$68
USAA	$973	$164
Mercury	$987	$166
Wawanesa	$1084	$184
Progressive	$1135	$191
CSAA	$1367	$230
State Farm	$1622	$273
AAA SoCal	$1756	$299
Allstate	$1881	$317
Auto Club	$2006	$341
AAA NorCal	$2673	$445
Farmers	$2729	$464
State National	$292	$48
Marcury	$306	$52

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 Mount Shasta.

As young drivers face the highest rates in Mount Shasta, Wawanesa offers the cheapest auto insurance rates at $456 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 Mount Shasta.

Car Insurance Rates with An Accident in Mount Shasta

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Shasta

The cheapest car insurance companies after an at-fault accident in Mount Shasta include AAA and Capital Insurance Group, offering $296 and $426, respectively. 21st Century is an expensive provider with an average six-month premium of $533.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$296	$50
Capital Insurance Group	$426	$73
CSAA	$570	$96
USAA	$853	$144
Progressive	$987	$166
Mercury	$1047	$178
Wawanesa	$1204	$200
AAA SoCal	$1265	$215
Auto Club	$1335	$222
Farmers	$1371	$231
State Farm	$1631	$275
AAA NorCal	$1746	$297
Allstate	$2099	$353
State National	$352	$59
Hartford	$408	$69
National General	$468	$78
Nationwide	$505	$86
21st Century	$533	$89

Mount Shasta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Shasta CA. For example, the car insurance in Mount Shasta after a DUI increases to $1357 for a six month policy. While the rate increases by $356 for a six-month policy in the case of a speeding ticket.

Mount Shasta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$848	$141
Not-at-fault accident	$848	$144
One comp claim	$848	$141
One Med/PIP claim	$848	$144
Two comp claims	$848	$141
Two Med/PIP claims	$848	$144
At-fault accident - less than $1000	$867	$144
Failure to show documents	$1117	$190
Driving with expired registration	$1140	$190
Driving without lights	$1140	$193
Failure to wear a seat belt	$1144	$191
Child safety restraint	$1154	$196
Speeding 11 - 15 MPH over limit	$1200	$200
Speeding 16 - 20 MPH over limit	$1200	$204
Driving too slowly	$1204	$200
Failure to stop at a red light	$1204	$205
Failure to yield	$1204	$200
Following too closely	$1204	$205
Illegal turn	$1204	$200
In 65 MPH zone	$1204	$205
Speeding 21 - 25 MPH over limit	$1204	$200
Speeding 6 - 10 MPH over limit	$1204	$205
Speeding in school zone	$1204	$200
Improper passing	$1209	$206
Cell phone violation	$1214	$202
Texting while driving	$1214	$207
Passing school bus	$1228	$204
Wrong way/wrong lane	$1436	$244
Operating a vehicle without permission	$1469	$245
At-fault accident - $1000-$2000	$1478	$251
At-fault accident - greater than $2000	$1478	$246
Open container	$1483	$252
Driving with a suspended license	$1719	$286
Reckless driving	$2094	$356
Racing	$2118	$353
Leaving scene of an accident/hit and run	$2126	$362
DUI	$2205	$367
Refusal to submit to a chemical test	$2205	$375

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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 Mount Shasta 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 Mount Shasta.

The cheapest car insurance premiums in Mount Shasta are offered by AAA at $583 for a six-month policy. However, it can be as expensive as $491 with companies like Kemper.

Mount Shasta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$583	$99
Capital Insurance Group	$635	$106
Mercury	$755	$127
Progressive	$1117	$188
Wawanesa	$1357	$231
Farmers	$1441	$243
USAA	$1533	$258
CSAA	$1622	$273
AAA SoCal	$2345	$399
Auto Club	$2682	$447
AAA NorCal	$3090	$526
State Farm	$3299	$555
Allstate	$3396	$572
Travelers	$654	$109
National General	$306	$51
Kemper	$491	$82

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 Mount Shasta are offered by CSAA at $74. However, it can be as expensive as $352 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Mount Shasta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$74	$12
Capital Insurance Group	$408	$68
Mercury	$695	$117
USAA	$728	$121
Progressive	$783	$132
AAA NorCal	$1084	$181
AAA SoCal	$1163	$198
Allstate	$1196	$199
State Farm	$1265	$215
Farmers	$1751	$292
AAA	$227	$38
Kemper	$287	$49
National General	$306	$51
State National	$352	$60

Car Insurance Price Trends in Mount Shasta, California

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

The average cost of full coverage in the Mount Shasta rose by $150 in December compared to $148 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 Mount Shasta rose to $42 in December, compared to $41 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Mount Shasta?

The car insurance in Mount Shasta is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Shasta?

The cheapest car insurance in Mount Shasta is $84 per month for full coverage.

How much is car insurance in Mount Shasta for teenagers?

Car insurance for teenagers costs $181 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 Mount Shasta?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $133 per month to insure your car in Mount Shasta.

Is car insurance expensive in Mount Shasta?

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

Cheapest Car Insurance Quotes in Mount Shasta

Why you can trust Way?

How Much Is Car Insurance in Mount Shasta

Avg. Car Insurance in Mount Shasta

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Mount Shasta

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Mount Shasta Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Shasta, CA

Way's key takeaways about car insurance in Mount Shasta

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Shasta

Cheapest Liability Coverage in Mount Shasta, CA

Cheapest Full Coverage Car Insurance in Mount Shasta

Cheapest Full Coverage Car Insurance Quotes in Mount Shasta, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Shasta by Rating Factor

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

Car Insurance Premiums by Age in Mount Shasta

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Shasta,CA

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

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 Mount Shasta

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Shasta

Mount Shasta Car Insurance Rates by Violation

Mount Shasta auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Shasta after a DUI

Mount Shasta car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Shasta after Speeding ticket

Car Insurance Price Trends in Mount Shasta, California

Average Car Insurance Cost in Mount Shasta by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Shasta, CA

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

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