Cheapest Car Insurance Quotes in San Ardo

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San Ardo Car Insurance

^$ 21

/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 San Ardo

The car insurance rate in San Ardo is $984 for a six-month policy, which is $261 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $507, making it a popular choice for budget-conscious drivers. Rates in San Ardo 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 San Ardo

$984

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in San Ardo

1st place: CSAA

At $507 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $812 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 $826 for six months, making it the third cheapest auto insurance company in San Ardo.

San Ardo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Ardo, CA is CSAA, offering policies at just $507 for a six-month term. This is followed by Mercury, which has an average six-month premium of $812.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1084 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Ardo drivers find the best deals.

Cheap Car Insurance Companies in San Ardo, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$507	$85
Mercury	$812	$137
AAA NorCal	$826	$141
Progressive	$826	$139
Wawanesa	$863	$145
USAA	$878	$148
Auto Club	$901	$153
Allstate	$1004	$169
AAA SoCal	$1060	$180
Kemper	$1122	$187
State Farm	$1202	$202
Travelers	$1342	$224
Farmers	$1347	$229
AAA	$1084	$181

Key Takeaways

Way's key takeaways about car insurance in San Ardo

The auto insurance costs in San Ardo fall around $507 for six months.
The cheapest auto insurance company in San Ardo is CSAA.
Teen drivers pay the highest rate in San Ardo at $476 per month.

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Cheapest Minimum Liability Car Insurance in San Ardo

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 San Ardo are given below.

CSAA provides the cheapest minimum car insurance coverage in San Ardo. Their Average 6 Month Premium is $122. Travelers is the most expensive at $516 for the same period.

Cheapest Liability Coverage in San Ardo, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$122	$21
AAA NorCal	$201	$34
USAA	$230	$39
Progressive	$273	$46
Auto Club	$277	$46
Wawanesa	$291	$49
AAA	$333	$55
AAA SoCal	$338	$58
Mercury	$338	$57
State Farm	$371	$62
Allstate	$427	$72
Farmers	$460	$78
Travelers	$516	$86

Cheapest Full Coverage Car Insurance in San Ardo

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 San Ardo is CSAA at $85 per month and $507 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Ardo, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$507	$85
Mercury	$812	$137
AAA NorCal	$826	$141
Progressive	$826	$139
Wawanesa	$863	$145
USAA	$878	$148
Auto Club	$901	$153
Allstate	$1004	$169
AAA SoCal	$1060	$180
Kemper	$1122	$187
State Farm	$1202	$202
Travelers	$1342	$224
Farmers	$1347	$229
AAA	$1084	$181

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Average Car Insurance in San Ardo 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 San Ardo, CA increasing?

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

Car Insurance Premiums by Age in San Ardo

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	$474
30s	Wawanesa	$382
40s	Wawanesa	$382
50s	Wawanesa	$382
60s	Wawanesa	$382
70s	Wawanesa	$374

Cheapest Car Insurance Rates for Teen Drivers in San Ardo,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Ardo at $56 per month. At $2857 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$56
Capital Insurance Group	$413	$69
USAA	$1074	$181
Wawanesa	$1098	$183
Progressive	$1258	$212
Mercury	$1304	$220
CSAA	$1384	$233
Auto Club	$2032	$339
State Farm	$2074	$349
Allstate	$2412	$406
AAA SoCal	$2552	$434
AAA NorCal	$2586	$431
Travelers	$2684	$457
Farmers	$2857	$476

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 San Ardo.

As young drivers face the highest rates in San Ardo, Wawanesa offers the cheapest auto insurance rates at $474 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 San Ardo.

Car Insurance Rates with An Accident in San Ardo

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

Cheapest Car Insurance Companies after an At-Fault Accident in San Ardo

The cheapest car insurance companies after an at-fault accident in San Ardo include AAA and Capital Insurance Group, offering $295 and $431, respectively. Allstate is an expensive provider with an average six-month premium of $2726.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$295	$49
Capital Insurance Group	$431	$73
CSAA	$577	$97
USAA	$948	$160
Mercury	$1037	$175
Progressive	$1084	$182
Wawanesa	$1220	$203
Auto Club	$1352	$230
Farmers	$1478	$249
AAA NorCal	$1676	$285
AAA SoCal	$1816	$303
State Farm	$2145	$361
Travelers	$2586	$431
Allstate	$2726	$459

San Ardo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Ardo CA. For example, the car insurance in San Ardo after a DUI increases to $1374 for a six month policy. While the rate increases by $361 for a six-month policy in the case of a speeding ticket.

San Ardo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$859	$143
Not-at-fault accident	$859	$146
One comp claim	$859	$143
One Med/PIP claim	$859	$146
Two comp claims	$859	$143
Two Med/PIP claims	$859	$146
At-fault accident - less than $1000	$878	$146
Failure to show documents	$1131	$192
Driving with expired registration	$1154	$193
Driving without lights	$1154	$196
Failure to wear a seat belt	$1159	$194
Child safety restraint	$1168	$198
Speeding 11 - 15 MPH over limit	$1215	$202
Speeding 16 - 20 MPH over limit	$1215	$207
Driving too slowly	$1220	$203
Failure to stop at a red light	$1220	$208
Failure to yield	$1220	$203
Following too closely	$1220	$208
Illegal turn	$1220	$203
In 65 MPH zone	$1220	$208
Speeding 21 - 25 MPH over limit	$1220	$203
Speeding 6 - 10 MPH over limit	$1220	$208
Speeding in school zone	$1220	$203
Improper passing	$1225	$209
Cell phone violation	$1229	$205
Texting while driving	$1229	$209
Passing school bus	$1243	$207
Wrong way/wrong lane	$1454	$247
Operating a vehicle without permission	$1488	$248
At-fault accident - $1000-$2000	$1497	$254
At-fault accident - greater than $2000	$1497	$250
Open container	$1502	$255
Driving with a suspended license	$1741	$290
Reckless driving	$2121	$361
Racing	$2145	$357
Leaving scene of an accident/hit and run	$2154	$367
DUI	$2233	$372
Refusal to submit to a chemical test	$2233	$380

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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 San Ardo 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 San Ardo.

The cheapest car insurance premiums in San Ardo are offered by Capital Insurance Group at $643 for a six-month policy. However, it can be as expensive as $591 with companies like AAA.

San Ardo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$643	$107
Mercury	$920	$155
Progressive	$1220	$205
Wawanesa	$1375	$234
Farmers	$1544	$260
CSAA	$1642	$277
USAA	$1694	$285
Travelers	$1924	$324
Auto Club	$2717	$453
AAA NorCal	$2970	$505
AAA SoCal	$3331	$555
State Farm	$4228	$712
Allstate	$4308	$725
AAA	$591	$100

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 San Ardo are offered by CSAA at $75. However, it can be as expensive as $2065 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in San Ardo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$75	$13
Capital Insurance Group	$413	$70
Mercury	$887	$149
USAA	$905	$154
Progressive	$910	$153
AAA NorCal	$1047	$178
AAA SoCal	$1450	$242
Allstate	$1839	$313
Farmers	$1915	$319
State Farm	$2046	$348
Travelers	$2065	$344

Car Insurance Price Trends in San Ardo, California

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

The average cost of full coverage in the San Ardo rose by $167 in January compared to $152 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the San Ardo rose to $48 in January, compared to $43 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in San Ardo?

The car insurance in San Ardo is $21 per month, which is lower than the national average.

What is the cheapest car insurance in San Ardo?

The cheapest car insurance in San Ardo is $85 per month for full coverage.

How much is car insurance in San Ardo for teenagers?

Car insurance for teenagers costs $329 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 San Ardo?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $165 per month to insure your car in San Ardo.

Is car insurance expensive in San Ardo?

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

Cheapest Car Insurance Quotes in San Ardo

Why you can trust Way?

How Much Is Car Insurance in San Ardo

Avg. Car Insurance in San Ardo

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Ardo

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

San Ardo Car Insurance Rates by Company

Cheap Car Insurance Companies in San Ardo, CA

Way's key takeaways about car insurance in San Ardo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Ardo

Cheapest Liability Coverage in San Ardo, CA

Cheapest Full Coverage Car Insurance in San Ardo

Cheapest Full Coverage Car Insurance Quotes in San Ardo, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Ardo by Rating Factor

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

Car Insurance Premiums by Age in San Ardo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Ardo,CA

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

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 San Ardo

Cheapest Car Insurance Companies after an At-Fault Accident in San Ardo

San Ardo Car Insurance Rates by Violation

San Ardo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Ardo after a DUI

San Ardo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Ardo after Speeding ticket

Car Insurance Price Trends in San Ardo, California

Average Car Insurance Cost in San Ardo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Ardo, CA

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

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