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Finding the cheapest car insurance quotes in Toluca Lake 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 Toluca Lake
The car insurance rate in Toluca Lake is $1780 for a six-month policy, which is $535 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $918, making it a popular choice for budget-conscious drivers. Rates in Toluca Lake 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 $918 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Mercury
Mercury offers auto
insurance rates at $1470 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 $1494
for six months, making it
the third cheapest auto insurance company in Toluca Lake.
Toluca Lake Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Toluca Lake, CA is CSAA, offering policies at just $918 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1470.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1962 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Toluca Lake drivers find the best deals.
Way's key takeaways about car insurance in Toluca Lake
The auto insurance costs in Toluca Lake fall around $918 for six
months.
The cheapest auto insurance company in Toluca Lake is CSAA.
Teen drivers pay the highest rate in Toluca Lake at $862 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 Toluca Lake
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 Toluca Lake are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Toluca Lake. Their Average 6 Month Premium is $220.
Travelers is the most
expensive at $934 for the same
period.
Cheapest Full Coverage Car Insurance in Toluca Lake
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 Toluca Lake is CSAA
at $154 per month and $918
for six months.
Cheapest Full Coverage Car Insurance Quotes in Toluca Lake,
CA
Get Your Car Insurance Quote in Toluca Lake
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Average Car Insurance in Toluca Lake 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 Toluca Lake, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Toluca Lake, 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, Toluca Lake's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Toluca Lake
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
$858
30s
Wawanesa
$692
40s
Wawanesa
$692
50s
Wawanesa
$692
60s
Wawanesa
$692
70s
Wawanesa
$678
Cheapest Car Insurance Rates for Teen Drivers in
Toluca Lake,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Toluca Lake at $102
per
month. At $5172 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 Toluca Lake.
As young drivers face the highest rates in Toluca Lake, Wawanesa
offers the cheapest auto insurance rates at $858 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 Toluca Lake,
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
Toluca Lake 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 Toluca Lake
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 Toluca Lake, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Toluca Lake
The cheapest car insurance companies after an at-fault accident in
Toluca Lake include AAA
and Capital Insurance Group, offering $535
and $781,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4935.
Here is a list of driving violations that can increase your car
insurance rates in Toluca Lake CA. For example, the car
insurance in Toluca Lake
after a DUI increases to $2489 for a six
month policy. While the rate increases by $654 for a six-month policy in the case of
a speeding ticket.
Toluca Lake auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1554
$259
Not-at-fault accident
$1554
$265
One comp claim
$1554
$259
One Med/PIP claim
$1554
$265
Two comp claims
$1554
$259
Two Med/PIP claims
$1554
$265
At-fault accident - less than $1000
$1589
$265
Failure to show documents
$2048
$347
Driving with expired registration
$2089
$349
Driving without lights
$2089
$355
Failure to wear a seat belt
$2098
$350
Child safety restraint
$2115
$359
Speeding 11 - 15 MPH over limit
$2199
$366
Speeding 16 - 20 MPH over limit
$2199
$375
Driving too slowly
$2208
$368
Failure to stop at a red light
$2208
$376
Failure to yield
$2208
$368
Following too closely
$2208
$376
Illegal turn
$2208
$368
In 65 MPH zone
$2208
$376
Speeding 21 - 25 MPH over limit
$2208
$368
Speeding 6 - 10 MPH over limit
$2208
$376
Speeding in school zone
$2208
$368
Improper passing
$2217
$378
Cell phone violation
$2225
$370
Texting while driving
$2225
$379
Passing school bus
$2251
$375
Wrong way/wrong lane
$2633
$448
Operating a vehicle without permission
$2693
$449
At-fault accident - $1000-$2000
$2710
$460
At-fault accident - greater than $2000
$2710
$452
Open container
$2718
$462
Driving with a suspended license
$3152
$525
Reckless driving
$3840
$654
Racing
$3882
$646
Leaving scene of an accident/hit and run
$3898
$664
DUI
$4043
$674
Refusal to submit to a chemical test
$4043
$688
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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 Toluca Lake 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 Toluca Lake.
The cheapest car insurance premiums in
Toluca Lake are
offered by Capital Insurance Group at $1164 for a six-month policy.
However, it can be as
expensive as $1070 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 Toluca Lake are offered by CSAA
at $136. However,
it can be as expensive as $3738
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Toluca Lake after Speeding ticket
Car Insurance Price Trends in Toluca Lake,
California
Car insurance rates in Toluca Lake have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Toluca Lake rose by
$303 in January
compared to $275 of December. In other words, there has been an increase by $28 when you
compare January and December.
The average cost of liability insurance in the Toluca Lake rose to $87 in January,
compared to $79 in December.
This represents an increase of $8
when comparing January and December.
Average Car Insurance Cost in Toluca Lake 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
Toluca Lake. At $N/A for a
six-month policy, insuring
your car at N/A 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 Toluca Lake?
The car insurance in Toluca Lake is $37 per month, which is lower than the national average.
What is the cheapest car insurance in Toluca Lake?
The cheapest car insurance in Toluca Lake
is $154 per month
for full coverage.
How much is car insurance in Toluca Lake for teenagers?
Car insurance for teenagers costs $595 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
Toluca Lake?
The average cost of car insurance is $1245 for a six-month
policy. It will cost around $299 per month to insure your
car in Toluca Lake.
Is car insurance expensive in Toluca Lake?
Car insurance can be expensive in Toluca Lake if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Toluca Lake can be
affordable.
What is the best car insurance in Toluca Lake,
CA?
The best car insurance company in Toluca Lake
CA is
CSAA, offering $918 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Toluca Lake, CA
Car Insurance Rates by State in the USA (2025 Update)
Toluca Lake Car Insurance
