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Finding the cheapest car insurance quotes in Sun 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.
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 Sun Valley
The car insurance rate in Sun Valley is $1843 for a six-month policy, which is $598 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $950, making it a popular choice for budget-conscious drivers. Rates in Sun 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.
At $950 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Mercury
Mercury offers auto
insurance rates at $1521 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 $1547
for six months, making it
the third cheapest auto insurance company in Sun Valley.
Sun Valley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sun Valley, CA is CSAA, offering policies at just $950 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1521.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2031 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun Valley drivers find the best deals.
Way's key takeaways about car insurance in Sun Valley
The auto insurance costs in Sun Valley fall around $950 for six
months.
The cheapest auto insurance company in Sun Valley is CSAA.
Teen drivers pay the highest rate in Sun Valley at $892 per
month.
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Cheapest Minimum Liability Car Insurance in Sun 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 Sun Valley are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Sun Valley. Their Average 6 Month Premium is $228.
Travelers is the most
expensive at $966 for the same
period.
Cheapest Full Coverage Car Insurance in Sun 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 Sun Valley is CSAA
at $160 per month and $950
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sun Valley,
CA
Get Your Car Insurance Quote in Sun Valley
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Average Car Insurance in Sun 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 Sun Valley, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sun 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, Sun 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 Sun 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
$888
30s
Wawanesa
$716
40s
Wawanesa
$716
50s
Wawanesa
$716
60s
Wawanesa
$716
70s
Wawanesa
$702
Cheapest Car Insurance Rates for Teen Drivers in
Sun Valley,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Sun Valley at $105
per
month. At $5353 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Wawanesa is
the best choice for car
insurance in Sun Valley.
As young drivers face the highest rates in Sun Valley, Wawanesa
offers the cheapest auto insurance rates at $888 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.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Sun Valley,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Sun Valley is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Sun 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 Sun Valley, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sun Valley
The cheapest car insurance companies after an at-fault accident in
Sun Valley include AAA
and Capital Insurance Group, offering $554
and $808,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5107.
Here is a list of driving violations that can increase your car
insurance rates in Sun Valley CA. For example, the car
insurance in Sun Valley
after a DUI increases to $2575 for a six
month policy. While the rate increases by $676 for a six-month policy in the case of
a speeding ticket.
Sun Valley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1609
$268
Not-at-fault accident
$1609
$274
One comp claim
$1609
$268
One Med/PIP claim
$1609
$274
Two comp claims
$1609
$268
Two Med/PIP claims
$1609
$274
At-fault accident - less than $1000
$1644
$274
Failure to show documents
$2119
$360
Driving with expired registration
$2162
$361
Driving without lights
$2162
$367
Failure to wear a seat belt
$2171
$363
Child safety restraint
$2189
$371
Speeding 11 - 15 MPH over limit
$2276
$379
Speeding 16 - 20 MPH over limit
$2276
$388
Driving too slowly
$2285
$380
Failure to stop at a red light
$2285
$389
Failure to yield
$2285
$380
Following too closely
$2285
$389
Illegal turn
$2285
$380
In 65 MPH zone
$2285
$389
Speeding 21 - 25 MPH over limit
$2285
$380
Speeding 6 - 10 MPH over limit
$2285
$389
Speeding in school zone
$2285
$380
Improper passing
$2294
$391
Cell phone violation
$2303
$383
Texting while driving
$2303
$392
Passing school bus
$2330
$388
Wrong way/wrong lane
$2725
$463
Operating a vehicle without permission
$2787
$465
At-fault accident - $1000-$2000
$2805
$477
At-fault accident - greater than $2000
$2805
$468
Open container
$2813
$478
Driving with a suspended license
$3262
$543
Reckless driving
$3974
$676
Racing
$4018
$669
Leaving scene of an accident/hit and run
$4034
$687
DUI
$4184
$697
Refusal to submit to a chemical test
$4184
$712
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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 Sun 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 Sun Valley.
The cheapest car insurance premiums in
Sun Valley are
offered by Capital Insurance Group at $1205 for a six-month policy.
However, it can be as
expensive as $1107 with companies
like AAA.
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 Sun Valley are offered by CSAA
at $141. However,
it can be as expensive as $3869
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Sun Valley after Speeding ticket
Car Insurance Price Trends in Sun Valley,
California
Car insurance rates in Sun Valley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sun Valley rose by
$314 in January
compared to $284 of December. In other words, there has been an increase by $30 when you
compare January and December.
The average cost of liability insurance in the Sun Valley rose to $90 in January,
compared to $81 in December.
This represents an increase of $9
when comparing January and December.
Average Car Insurance Cost in Sun Valley by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sun Valley. At $3685 for a
six-month policy, insuring
your car at 91352 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Sun Valley?
The car insurance in Sun Valley is $38 per month, which is lower than the national average.
What is the cheapest car insurance in Sun Valley?
The cheapest car insurance in Sun Valley
is $160 per month
for full coverage.
How much is car insurance in Sun Valley for teenagers?
Car insurance for teenagers costs $616 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
Sun Valley?
The average cost of car insurance is $1245 for a six-month
policy. It will cost around $309 per month to insure your
car in Sun Valley.
Is car insurance expensive in Sun Valley?
Car insurance can be expensive in Sun Valley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sun Valley can be
affordable.
What is the best car insurance in Sun Valley,
CA?
The best car insurance company in Sun Valley
CA is
CSAA, offering $950 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Sun Valley, CA
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Sun Valley Car Insurance
