Cheapest Car Insurance Quotes in North Highlands

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North Highlands Car Insurance

^$ 30

/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 North Highlands

The car insurance rate in North Highlands is $1432 for a six-month policy, which is $187 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $738, making it a popular choice for budget-conscious drivers. Rates in North Highlands 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 North Highlands

$1432

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in North Highlands

1st place: CSAA

At $738 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1182 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 $1202 for six months, making it the third cheapest auto insurance company in North Highlands.

North Highlands Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Highlands, CA is CSAA, offering policies at just $738 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1182.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1578 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Highlands drivers find the best deals.

Cheap Car Insurance Companies in North Highlands, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$738	$124
Mercury	$1182	$199
AAA NorCal	$1202	$205
Progressive	$1202	$202
Wawanesa	$1257	$212
USAA	$1278	$215
Auto Club	$1311	$223
Allstate	$1462	$246
AAA SoCal	$1543	$262
Kemper	$1633	$273
State Farm	$1749	$294
Travelers	$1954	$325
Farmers	$1961	$334
AAA	$1578	$263

Key Takeaways

Way's key takeaways about car insurance in North Highlands

The auto insurance costs in North Highlands fall around $738 for six months.
The cheapest auto insurance company in North Highlands is CSAA.
Teen drivers pay the highest rate in North Highlands at $693 per month.

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Cheapest Minimum Liability Car Insurance in North Highlands

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 North Highlands are given below.

CSAA provides the cheapest minimum car insurance coverage in North Highlands. Their Average 6 Month Premium is $177. Travelers is the most expensive at $751 for the same period.

Cheapest Liability Coverage in North Highlands, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$177	$30
AAA NorCal	$293	$49
USAA	$335	$56
Progressive	$397	$67
Auto Club	$402	$67
Wawanesa	$423	$71
AAA	$485	$81
AAA SoCal	$492	$84
Mercury	$492	$83
State Farm	$539	$91
Allstate	$622	$105
Farmers	$669	$114
Travelers	$751	$125

Cheapest Full Coverage Car Insurance in North Highlands

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 North Highlands is CSAA at $124 per month and $738 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Highlands, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$738	$124
Mercury	$1182	$199
AAA NorCal	$1202	$205
Progressive	$1202	$202
Wawanesa	$1257	$212
USAA	$1278	$215
Auto Club	$1311	$223
Allstate	$1462	$246
AAA SoCal	$1543	$262
Kemper	$1633	$273
State Farm	$1749	$294
Travelers	$1954	$325
Farmers	$1961	$334
AAA	$1578	$263

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Average Car Insurance in North Highlands 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 North Highlands, CA increasing?

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

Car Insurance Premiums by Age in North Highlands

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	$690
30s	Wawanesa	$557
40s	Wawanesa	$557
50s	Wawanesa	$557
60s	Wawanesa	$557
70s	Wawanesa	$545

Cheapest Car Insurance Rates for Teen Drivers in North Highlands,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the North Highlands at $82 per month. At $4160 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$478	$82
Capital Insurance Group	$601	$100
USAA	$1564	$263
Wawanesa	$1598	$267
Progressive	$1831	$308
Mercury	$1899	$320
CSAA	$2015	$339
Auto Club	$2958	$493
State Farm	$3019	$508
Allstate	$3511	$591
AAA SoCal	$3716	$631
AAA NorCal	$3764	$627
Travelers	$3908	$665
Farmers	$4160	$693

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 North Highlands.

As young drivers face the highest rates in North Highlands, Wawanesa offers the cheapest auto insurance rates at $690 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 North Highlands.

Car Insurance Rates with An Accident in North Highlands

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Highlands

The cheapest car insurance companies after an at-fault accident in North Highlands include AAA and Capital Insurance Group, offering $430 and $628, respectively. Allstate is an expensive provider with an average six-month premium of $3969.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$430	$71
Capital Insurance Group	$628	$107
CSAA	$841	$141
USAA	$1380	$232
Mercury	$1510	$254
Progressive	$1578	$266
Wawanesa	$1776	$296
Auto Club	$1968	$335
Farmers	$2152	$362
AAA NorCal	$2439	$415
AAA SoCal	$2644	$440
State Farm	$3122	$526
Travelers	$3764	$627
Allstate	$3969	$668

North Highlands Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Highlands CA. For example, the car insurance in North Highlands after a DUI increases to $2001 for a six month policy. While the rate increases by $526 for a six-month policy in the case of a speeding ticket.

North Highlands auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1250	$208
Not-at-fault accident	$1250	$213
One comp claim	$1250	$208
One Med/PIP claim	$1250	$213
Two comp claims	$1250	$208
Two Med/PIP claims	$1250	$213
At-fault accident - less than $1000	$1278	$213
Failure to show documents	$1647	$279
Driving with expired registration	$1680	$281
Driving without lights	$1680	$285
Failure to wear a seat belt	$1687	$282
Child safety restraint	$1701	$289
Speeding 11 - 15 MPH over limit	$1769	$294
Speeding 16 - 20 MPH over limit	$1769	$301
Driving too slowly	$1776	$296
Failure to stop at a red light	$1776	$302
Failure to yield	$1776	$296
Following too closely	$1776	$302
Illegal turn	$1776	$296
In 65 MPH zone	$1776	$302
Speeding 21 - 25 MPH over limit	$1776	$296
Speeding 6 - 10 MPH over limit	$1776	$302
Speeding in school zone	$1776	$296
Improper passing	$1782	$304
Cell phone violation	$1789	$298
Texting while driving	$1789	$305
Passing school bus	$1810	$301
Wrong way/wrong lane	$2117	$360
Operating a vehicle without permission	$2165	$361
At-fault accident - $1000-$2000	$2179	$370
At-fault accident - greater than $2000	$2179	$363
Open container	$2186	$371
Driving with a suspended license	$2535	$422
Reckless driving	$3088	$526
Racing	$3122	$520
Leaving scene of an accident/hit and run	$3135	$534
DUI	$3251	$542
Refusal to submit to a chemical test	$3251	$553

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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 North Highlands 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 North Highlands.

The cheapest car insurance premiums in North Highlands are offered by Capital Insurance Group at $936 for a six-month policy. However, it can be as expensive as $860 with companies like AAA.

North Highlands car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$936	$156
Mercury	$1339	$225
Progressive	$1776	$299
Wawanesa	$2001	$340
Farmers	$2247	$378
CSAA	$2391	$402
USAA	$2466	$415
Travelers	$2800	$471
Auto Club	$3955	$659
AAA NorCal	$4324	$735
AAA SoCal	$4850	$808
State Farm	$6155	$1036
Allstate	$6271	$1056
AAA	$860	$146

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 North Highlands are offered by CSAA at $109. However, it can be as expensive as $3006 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in North Highlands after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$109	$18
Capital Insurance Group	$601	$102
Mercury	$1291	$217
USAA	$1318	$224
Progressive	$1325	$223
AAA NorCal	$1524	$259
AAA SoCal	$2110	$352
Allstate	$2677	$455
Farmers	$2788	$465
State Farm	$2978	$506
Travelers	$3006	$501

Car Insurance Price Trends in North Highlands, California

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

The average cost of full coverage in the North Highlands rose by $244 in January compared to $221 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the North Highlands rose to $70 in January, compared to $63 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in North Highlands?

The car insurance in North Highlands is $30 per month, which is lower than the national average.

What is the cheapest car insurance in North Highlands?

The cheapest car insurance in North Highlands is $124 per month for full coverage.

How much is car insurance in North Highlands for teenagers?

Car insurance for teenagers costs $478 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 North Highlands?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $240 per month to insure your car in North Highlands.

Is car insurance expensive in North Highlands?

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

Cheapest Car Insurance Quotes in North Highlands

Why you can trust Way?

How Much Is Car Insurance in North Highlands

Avg. Car Insurance in North Highlands

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in North Highlands

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

North Highlands Car Insurance Rates by Company

Cheap Car Insurance Companies in North Highlands, CA

Way's key takeaways about car insurance in North Highlands

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Highlands

Cheapest Liability Coverage in North Highlands, CA

Cheapest Full Coverage Car Insurance in North Highlands

Cheapest Full Coverage Car Insurance Quotes in North Highlands, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Highlands by Rating Factor

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

Car Insurance Premiums by Age in North Highlands

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Highlands,CA

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

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 North Highlands

Cheapest Car Insurance Companies after an At-Fault Accident in North Highlands

North Highlands Car Insurance Rates by Violation

North Highlands auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Highlands after a DUI

North Highlands car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Highlands after Speeding ticket

Car Insurance Price Trends in North Highlands, California

Average Car Insurance Cost in North Highlands by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Highlands, CA

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

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