Cheapest Car Insurance Quotes in Penn Valley

Finding the cheapest car insurance quotes in Penn Valley shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Penn Valley Car Insurance

^$ 22

/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 Penn Valley

The car insurance rate in Penn Valley is $1046 for a six-month policy, which is $199 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Penn Valley 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 Penn Valley

$1046

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Penn Valley

1st place: CSAA

At $539 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $864 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 $878 for six months, making it the third cheapest auto insurance company in Penn Valley.

Penn Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Penn Valley, CA is CSAA, offering policies at just $539 for a six-month term. This is followed by Mercury, which has an average six-month premium of $864.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Penn Valley drivers find the best deals.

Cheap Car Insurance Companies in Penn Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$539	$91
Mercury	$864	$145
AAA NorCal	$878	$150
Progressive	$878	$148
Wawanesa	$918	$155
USAA	$933	$157
Auto Club	$958	$163
Allstate	$1068	$180
AAA SoCal	$1127	$192
Kemper	$1193	$199
State Farm	$1278	$215
Travelers	$1427	$238
Farmers	$1432	$244
AAA	$1152	$192

Key Takeaways

Way's key takeaways about car insurance in Penn Valley

The auto insurance costs in Penn Valley fall around $539 for six months.
The cheapest auto insurance company in Penn Valley is CSAA.
Teen drivers pay the highest rate in Penn Valley at $507 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Penn Valley

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 Penn Valley are given below.

CSAA provides the cheapest minimum car insurance coverage in Penn Valley. Their Average 6 Month Premium is $129. Travelers is the most expensive at $549 for the same period.

Cheapest Liability Coverage in Penn Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$129	$22
AAA NorCal	$214	$36
USAA	$244	$41
Progressive	$290	$49
Auto Club	$294	$49
Wawanesa	$309	$52
AAA	$354	$59
AAA SoCal	$360	$61
Mercury	$360	$60
State Farm	$394	$66
Allstate	$454	$76
Farmers	$489	$83
Travelers	$549	$92

Cheapest Full Coverage Car Insurance in Penn Valley

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 Penn Valley is CSAA at $91 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in Penn Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$539	$91
Mercury	$864	$145
AAA NorCal	$878	$150
Progressive	$878	$148
Wawanesa	$918	$155
USAA	$933	$157
Auto Club	$958	$163
Allstate	$1068	$180
AAA SoCal	$1127	$192
Kemper	$1193	$199
State Farm	$1278	$215
Travelers	$1427	$238
Farmers	$1432	$244
AAA	$1152	$192

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Penn Valley Instantly!

Average Car Insurance in Penn Valley 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 Penn Valley, CA increasing?

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

Car Insurance Premiums by Age in Penn Valley

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	$504
30s	Wawanesa	$407
40s	Wawanesa	$407
50s	Wawanesa	$407
60s	Wawanesa	$407
70s	Wawanesa	$398

Cheapest Car Insurance Rates for Teen Drivers in Penn Valley,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Penn Valley at $60 per month. At $3038 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$349	$60
Capital Insurance Group	$439	$73
USAA	$1142	$192
Wawanesa	$1168	$195
Progressive	$1337	$225
Mercury	$1387	$234
CSAA	$1472	$248
Auto Club	$2160	$360
State Farm	$2205	$371
Allstate	$2565	$432
AAA SoCal	$2714	$461
AAA NorCal	$2749	$458
Travelers	$2854	$486
Farmers	$3038	$507

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 Penn Valley.

As young drivers face the highest rates in Penn Valley, Wawanesa offers the cheapest auto insurance rates at $504 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 Penn Valley.

Car Insurance Rates with An Accident in Penn Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Penn Valley

The cheapest car insurance companies after an at-fault accident in Penn Valley include AAA and Capital Insurance Group, offering $314 and $459, respectively. Allstate is an expensive provider with an average six-month premium of $2899.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$314	$52
Capital Insurance Group	$459	$78
CSAA	$614	$103
USAA	$1008	$170
Mercury	$1103	$186
Progressive	$1152	$194
Wawanesa	$1297	$216
Auto Club	$1437	$244
Farmers	$1572	$265
AAA NorCal	$1782	$303
AAA SoCal	$1931	$322
State Farm	$2281	$384
Travelers	$2749	$458
Allstate	$2899	$488

Penn Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Penn Valley CA. For example, the car insurance in Penn Valley after a DUI increases to $1462 for a six month policy. While the rate increases by $384 for a six-month policy in the case of a speeding ticket.

Penn Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$913	$152
Not-at-fault accident	$913	$155
One comp claim	$913	$152
One Med/PIP claim	$913	$155
Two comp claims	$913	$152
Two Med/PIP claims	$913	$155
At-fault accident - less than $1000	$933	$155
Failure to show documents	$1203	$204
Driving with expired registration	$1227	$205
Driving without lights	$1227	$208
Failure to wear a seat belt	$1232	$206
Child safety restraint	$1242	$211
Speeding 11 - 15 MPH over limit	$1292	$215
Speeding 16 - 20 MPH over limit	$1292	$220
Driving too slowly	$1297	$216
Failure to stop at a red light	$1297	$221
Failure to yield	$1297	$216
Following too closely	$1297	$221
Illegal turn	$1297	$216
In 65 MPH zone	$1297	$221
Speeding 21 - 25 MPH over limit	$1297	$216
Speeding 6 - 10 MPH over limit	$1297	$221
Speeding in school zone	$1297	$216
Improper passing	$1302	$222
Cell phone violation	$1307	$218
Texting while driving	$1307	$223
Passing school bus	$1322	$220
Wrong way/wrong lane	$1546	$263
Operating a vehicle without permission	$1582	$264
At-fault accident - $1000-$2000	$1592	$270
At-fault accident - greater than $2000	$1592	$265
Open container	$1597	$271
Driving with a suspended license	$1851	$308
Reckless driving	$2255	$384
Racing	$2281	$380
Leaving scene of an accident/hit and run	$2290	$390
DUI	$2375	$396
Refusal to submit to a chemical test	$2375	$404

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Penn Valley 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 Penn Valley.

The cheapest car insurance premiums in Penn Valley are offered by Capital Insurance Group at $684 for a six-month policy. However, it can be as expensive as $628 with companies like AAA.

Penn Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$684	$114
Mercury	$978	$165
Progressive	$1297	$218
Wawanesa	$1462	$249
Farmers	$1641	$276
CSAA	$1746	$294
USAA	$1801	$303
Travelers	$2045	$344
Auto Club	$2889	$481
AAA NorCal	$3158	$537
AAA SoCal	$3542	$591
State Farm	$4496	$757
Allstate	$4581	$771
AAA	$628	$107

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 Penn Valley are offered by CSAA at $80. However, it can be as expensive as $2196 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Penn Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$80	$13
Capital Insurance Group	$439	$75
Mercury	$943	$159
USAA	$963	$164
Progressive	$968	$163
AAA NorCal	$1113	$189
AAA SoCal	$1541	$257
Allstate	$1956	$333
Farmers	$2036	$339
State Farm	$2176	$370
Travelers	$2196	$366

Car Insurance Price Trends in Penn Valley, California

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

The average cost of full coverage in the Penn Valley rose by $178 in January compared to $161 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Penn Valley rose to $51 in January, compared to $46 in December. This represents an increase of $5 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Penn Valley?

The car insurance in Penn Valley is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Penn Valley?

The cheapest car insurance in Penn Valley is $91 per month for full coverage.

How much is car insurance in Penn Valley for teenagers?

Car insurance for teenagers costs $349 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 Penn Valley?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $176 per month to insure your car in Penn Valley.

Is car insurance expensive in Penn Valley?

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

Cheapest Car Insurance Quotes in Penn Valley

Why you can trust Way?

How Much Is Car Insurance in Penn Valley

Avg. Car Insurance in Penn Valley

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Penn Valley

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Penn Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Penn Valley, CA

Way's key takeaways about car insurance in Penn Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Penn Valley

Cheapest Liability Coverage in Penn Valley, CA

Cheapest Full Coverage Car Insurance in Penn Valley

Cheapest Full Coverage Car Insurance Quotes in Penn Valley, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Penn Valley by Rating Factor

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

Car Insurance Premiums by Age in Penn Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Penn Valley,CA

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

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 Penn Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Penn Valley

Penn Valley Car Insurance Rates by Violation

Penn Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Penn Valley after a DUI

Penn Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Penn Valley after Speeding ticket

Car Insurance Price Trends in Penn Valley, California

Average Car Insurance Cost in Penn Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Penn Valley, CA

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

Featured Blogs

Data Sources