Cheapest Car Insurance Quotes in Summerland

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Summerland Car Insurance

^$ 26

/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 Summerland

The car insurance rate in Summerland is $1001 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Summerland 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 Summerland

$1001

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Summerland

1st place: CSAA

At $636 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $806 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $852 for six months, making it the third cheapest auto insurance company in Summerland.

Summerland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Summerland, CA is CSAA, offering policies at just $636 for a six-month term. This is followed by USAA, which has an average six-month premium of $806.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Summerland drivers find the best deals.

Cheap Car Insurance Companies in Summerland, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$636	$107
USAA	$806	$136
Mercury	$852	$144
AAA SoCal	$935	$159
Progressive	$982	$165
Allstate	$1076	$181
Wawanesa	$1082	$182
AAA NorCal	$1094	$186
Auto Club	$1129	$188
State Farm	$1194	$201
AAA	$1358	$227
Kemper	$1406	$239
Farmers	$1570	$261
Capital Insurance Group	$700	$117
National General	$712	$121
State National	$724	$121
Hartford	$764	$130

Key Takeaways

Way's key takeaways about car insurance in Summerland

The auto insurance costs in Summerland fall around $636 for six months.
The cheapest auto insurance company in Summerland is CSAA.
Teen drivers pay the highest rate in Summerland at $66 per month.

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

Cheapest Minimum Liability Car Insurance in Summerland

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 Summerland are given below.

CSAA provides the cheapest minimum car insurance coverage in Summerland. Their Average 6 Month Premium is $152. 21st Century is the most expensive at $400 for the same period.

Cheapest Liability Coverage in Summerland, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$152	$26
AAA	$270	$46
USAA	$282	$48
AAA NorCal	$294	$50
AAA SoCal	$336	$57
Progressive	$342	$57
Auto Club	$347	$59
State Farm	$358	$60
Wawanesa	$364	$61
Mercury	$388	$65
Allstate	$418	$70
Farmers	$500	$83
Kemper	$276	$47
Capital Insurance Group	$300	$51
State National	$318	$54
National General	$394	$65
21st Century	$400	$68

Cheapest Full Coverage Car Insurance in Summerland

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 Summerland is CSAA at $107 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in Summerland, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$636	$107
USAA	$806	$136
Mercury	$852	$144
AAA SoCal	$935	$159
Progressive	$982	$165
Allstate	$1076	$181
Wawanesa	$1082	$182
AAA NorCal	$1094	$186
Auto Club	$1129	$188
State Farm	$1194	$201
AAA	$1358	$227
Kemper	$1406	$239
Farmers	$1570	$261
Capital Insurance Group	$700	$117
National General	$712	$121
State National	$724	$121
Hartford	$764	$130

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Average Car Insurance in Summerland 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 Summerland, CA increasing?

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

Car Insurance Premiums by Age in Summerland

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	$579
30s	Wawanesa	$467
40s	Wawanesa	$467
50s	Wawanesa	$467
60s	Wawanesa	$467
70s	Wawanesa	$457

Cheapest Car Insurance Rates for Teen Drivers in Summerland,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Summerland at $39 per month. At $388 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$230	$39
Capital Insurance Group	$518	$86
USAA	$1235	$208
Mercury	$1252	$211
Wawanesa	$1376	$234
Progressive	$1440	$243
CSAA	$1734	$292
State Farm	$2058	$347
AAA SoCal	$2228	$379
Allstate	$2388	$402
Auto Club	$2546	$433
AAA NorCal	$3393	$565
Farmers	$3464	$589
State National	$370	$61
Marcury	$388	$66

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 Summerland.

As young drivers face the highest rates in Summerland, Wawanesa offers the cheapest auto insurance rates at $579 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 Summerland.

Car Insurance Rates with An Accident in Summerland

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

Cheapest Car Insurance Companies after an At-Fault Accident in Summerland

The cheapest car insurance companies after an at-fault accident in Summerland include AAA and Capital Insurance Group, offering $376 and $541, respectively. 21st Century is an expensive provider with an average six-month premium of $676.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$376	$63
Capital Insurance Group	$541	$92
CSAA	$724	$122
USAA	$1082	$182
Progressive	$1252	$211
Mercury	$1329	$226
Wawanesa	$1529	$254
AAA SoCal	$1606	$273
Auto Club	$1694	$282
Farmers	$1740	$293
State Farm	$2070	$348
AAA NorCal	$2217	$377
Allstate	$2664	$448
State National	$446	$74
Hartford	$518	$88
National General	$594	$99
Nationwide	$641	$109
21st Century	$676	$113

Summerland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Summerland CA. For example, the car insurance in Summerland after a DUI increases to $1723 for a six month policy. While the rate increases by $453 for a six-month policy in the case of a speeding ticket.

Summerland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1076	$179
Not-at-fault accident	$1076	$183
One comp claim	$1076	$179
One Med/PIP claim	$1076	$183
Two comp claims	$1076	$179
Two Med/PIP claims	$1076	$183
At-fault accident - less than $1000	$1100	$183
Failure to show documents	$1418	$241
Driving with expired registration	$1446	$242
Driving without lights	$1446	$246
Failure to wear a seat belt	$1452	$243
Child safety restraint	$1464	$248
Speeding 11 - 15 MPH over limit	$1523	$253
Speeding 16 - 20 MPH over limit	$1523	$259
Driving too slowly	$1529	$254
Failure to stop at a red light	$1529	$260
Failure to yield	$1529	$254
Following too closely	$1529	$260
Illegal turn	$1529	$254
In 65 MPH zone	$1529	$260
Speeding 21 - 25 MPH over limit	$1529	$254
Speeding 6 - 10 MPH over limit	$1529	$260
Speeding in school zone	$1529	$254
Improper passing	$1535	$261
Cell phone violation	$1540	$256
Texting while driving	$1540	$262
Passing school bus	$1558	$259
Wrong way/wrong lane	$1823	$310
Operating a vehicle without permission	$1864	$311
At-fault accident - $1000-$2000	$1876	$319
At-fault accident - greater than $2000	$1876	$313
Open container	$1882	$320
Driving with a suspended license	$2182	$363
Reckless driving	$2658	$452
Racing	$2688	$447
Leaving scene of an accident/hit and run	$2699	$459
DUI	$2799	$466
Refusal to submit to a chemical test	$2799	$476

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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 Summerland 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 Summerland.

The cheapest car insurance premiums in Summerland are offered by AAA at $741 for a six-month policy. However, it can be as expensive as $624 with companies like Kemper.

Summerland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$741	$126
Capital Insurance Group	$806	$135
Mercury	$958	$161
Progressive	$1418	$239
Wawanesa	$1723	$293
Farmers	$1829	$308
USAA	$1946	$328
CSAA	$2058	$347
AAA SoCal	$2976	$506
Auto Club	$3405	$567
AAA NorCal	$3922	$667
State Farm	$4187	$705
Allstate	$4310	$726
Travelers	$830	$139
National General	$388	$64
Kemper	$624	$104

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 Summerland are offered by CSAA at $94. However, it can be as expensive as $446 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Summerland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$94	$16
Capital Insurance Group	$518	$86
Mercury	$882	$149
USAA	$924	$153
Progressive	$994	$167
AAA NorCal	$1376	$230
AAA SoCal	$1476	$251
Allstate	$1518	$252
State Farm	$1606	$273
Farmers	$2223	$370
AAA	$288	$49
Kemper	$364	$62
National General	$388	$64
State National	$446	$76

Car Insurance Price Trends in Summerland, California

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

The average cost of full coverage in the Summerland rose by $190 in December compared to $188 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 Summerland rose to $53 in December, compared to $51 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Summerland?

The car insurance in Summerland is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Summerland?

The cheapest car insurance in Summerland is $107 per month for full coverage.

How much is car insurance in Summerland for teenagers?

Car insurance for teenagers costs $230 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 Summerland?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $168 per month to insure your car in Summerland.

Is car insurance expensive in Summerland?

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

Cheapest Car Insurance Quotes in Summerland

Why you can trust Way?

How Much Is Car Insurance in Summerland

Avg. Car Insurance in Summerland

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Summerland

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Summerland Car Insurance Rates by Company

Cheap Car Insurance Companies in Summerland, CA

Way's key takeaways about car insurance in Summerland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Summerland

Cheapest Liability Coverage in Summerland, CA

Cheapest Full Coverage Car Insurance in Summerland

Cheapest Full Coverage Car Insurance Quotes in Summerland, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Summerland by Rating Factor

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

Car Insurance Premiums by Age in Summerland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Summerland,CA

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

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 Summerland

Cheapest Car Insurance Companies after an At-Fault Accident in Summerland

Summerland Car Insurance Rates by Violation

Summerland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Summerland after a DUI

Summerland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Summerland after Speeding ticket

Car Insurance Price Trends in Summerland, California

Average Car Insurance Cost in Summerland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Summerland, CA

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

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