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Finding the cheapest car insurance quotes in Sunset Beach 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 Sunset Beach
The car insurance rate in Sunset Beach is $1102 for a six-month policy, which is $91 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $700, making it a popular choice for budget-conscious drivers. Rates in Sunset Beach 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 $700 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $887 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $938
for six months, making it
the third cheapest auto insurance company in Sunset Beach.
Sunset Beach Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sunset Beach, CA is CSAA, offering policies at just $700 for a six-month term. This is followed by USAA, which has an average six-month premium of $887.
At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $841 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunset Beach drivers find the best deals.
Way's key takeaways about car insurance in Sunset Beach
The auto insurance costs in Sunset Beach fall around $700 for six
months.
The cheapest auto insurance company in Sunset Beach is CSAA.
Teen drivers pay the highest rate in Sunset Beach at $73 per
month.
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Cheapest Minimum Liability Car Insurance in Sunset Beach
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 Sunset Beach are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Sunset Beach. Their Average 6 Month Premium is $168.
21st Century is the most
expensive at $440 for the same
period.
Cheapest Full Coverage Car Insurance in Sunset Beach
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 Sunset Beach is CSAA
at $118 per month and $700
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sunset Beach,
CA
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Average Car Insurance in Sunset Beach 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 Sunset Beach, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sunset Beach, 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, Sunset Beach's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sunset Beach
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
$638
30s
Wawanesa
$514
40s
Wawanesa
$514
50s
Wawanesa
$514
60s
Wawanesa
$514
70s
Wawanesa
$504
Cheapest Car Insurance Rates for Teen Drivers in
Sunset Beach,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Sunset Beach at $43
per
month. At $427 for a six-month premium,
Marcury offers the most expensive rate for
teen drivers.
If you are in your twenties Wawanesa is
the best choice for car
insurance in Sunset Beach.
As young drivers face the highest rates in Sunset Beach, Wawanesa
offers the cheapest auto insurance rates at $638 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 Sunset Beach,
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
Sunset Beach 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 Sunset Beach
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 Sunset Beach, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sunset Beach
The cheapest car insurance companies after an at-fault accident in
Sunset Beach include AAA
and Capital Insurance Group, offering $414
and $595,
respectively. 21st Century is an expensive provider
with an average six-month premium of
$744.
Here is a list of driving violations that can increase your car
insurance rates in Sunset Beach CA. For example, the car
insurance in Sunset Beach
after a DUI increases to $1896 for a six
month policy. While the rate increases by $498 for a six-month policy in the case of
a speeding ticket.
Sunset Beach auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1185
$197
Not-at-fault accident
$1185
$202
One comp claim
$1185
$197
One Med/PIP claim
$1185
$202
Two comp claims
$1185
$197
Two Med/PIP claims
$1185
$202
At-fault accident - less than $1000
$1211
$202
Failure to show documents
$1561
$265
Driving with expired registration
$1592
$266
Driving without lights
$1592
$270
Failure to wear a seat belt
$1599
$267
Child safety restraint
$1612
$274
Speeding 11 - 15 MPH over limit
$1676
$279
Speeding 16 - 20 MPH over limit
$1676
$286
Driving too slowly
$1683
$280
Failure to stop at a red light
$1683
$287
Failure to yield
$1683
$280
Following too closely
$1683
$287
Illegal turn
$1683
$280
In 65 MPH zone
$1683
$287
Speeding 21 - 25 MPH over limit
$1683
$280
Speeding 6 - 10 MPH over limit
$1683
$287
Speeding in school zone
$1683
$280
Improper passing
$1690
$288
Cell phone violation
$1696
$282
Texting while driving
$1696
$289
Passing school bus
$1716
$286
Wrong way/wrong lane
$2007
$341
Operating a vehicle without permission
$2052
$342
At-fault accident - $1000-$2000
$2066
$351
At-fault accident - greater than $2000
$2066
$344
Open container
$2072
$352
Driving with a suspended license
$2402
$400
Reckless driving
$2927
$498
Racing
$2959
$493
Leaving scene of an accident/hit and run
$2971
$506
DUI
$3081
$513
Refusal to submit to a chemical test
$3081
$524
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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 Sunset Beach 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 Sunset Beach.
The cheapest car insurance premiums in
Sunset Beach are
offered by AAA at $815 for a six-month policy.
However, it can be as
expensive as $687 with companies
like Kemper.
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 Sunset Beach are offered by CSAA
at $104. However,
it can be as expensive as $492
with companies like State National for a similar
six-month premium.
Cheapest Car Insurance in Sunset Beach after Speeding ticket
Car Insurance Price Trends in Sunset Beach,
California
Car insurance rates in Sunset Beach have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sunset Beach rose by
$209 in December
compared to $207 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 Sunset Beach rose to $59 in December,
compared to $57 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Sunset Beach 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
Sunset Beach. At $2203 for a
six-month policy, insuring
your car at 90742 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 Sunset Beach?
The car insurance in Sunset Beach is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Sunset Beach?
The cheapest car insurance in Sunset Beach
is $118 per month
for full coverage.
How much is car insurance in Sunset Beach for teenagers?
Car insurance for teenagers costs $253 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
Sunset Beach?
The average cost of car insurance is $1011 for a six-month
policy. It will cost around $185 per month to insure your
car in Sunset Beach.
Is car insurance expensive in Sunset Beach?
Car insurance can be expensive in Sunset Beach if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sunset Beach can be
affordable.
What is the best car insurance in Sunset Beach,
CA?
The best car insurance company in Sunset Beach
CA is
CSAA, offering $700 for a
six-month policy.
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Sunset Beach Car Insurance
