Cheapest Car Insurance Quotes in Topanga

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Topanga Car Insurance

^$ 35

/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 Topanga

The car insurance rate in Topanga is $1693 for a six-month policy, which is $448 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $873, making it a popular choice for budget-conscious drivers. Rates in Topanga 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 Topanga

$1693

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Topanga

1st place: CSAA

At $873 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1398 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 $1421 for six months, making it the third cheapest auto insurance company in Topanga.

Topanga Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Topanga, CA is CSAA, offering policies at just $873 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1398.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1866 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Topanga drivers find the best deals.

Cheap Car Insurance Companies in Topanga, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$873	$147
Mercury	$1398	$235
AAA NorCal	$1421	$242
Progressive	$1421	$239
Wawanesa	$1486	$250
USAA	$1511	$254
Auto Club	$1550	$264
Allstate	$1729	$291
AAA SoCal	$1825	$310
Kemper	$1931	$322
State Farm	$2069	$348
Travelers	$2311	$385
Farmers	$2319	$394
AAA	$1866	$311

Key Takeaways

Way's key takeaways about car insurance in Topanga

The auto insurance costs in Topanga fall around $873 for six months.
The cheapest auto insurance company in Topanga is CSAA.
Teen drivers pay the highest rate in Topanga at $820 per month.

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Cheapest Minimum Liability Car Insurance in Topanga

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 Topanga are given below.

CSAA provides the cheapest minimum car insurance coverage in Topanga. Their Average 6 Month Premium is $209. Travelers is the most expensive at $888 for the same period.

Cheapest Liability Coverage in Topanga, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$209	$35
AAA NorCal	$347	$58
USAA	$396	$67
Progressive	$469	$79
Auto Club	$476	$79
Wawanesa	$500	$84
AAA	$574	$95
AAA SoCal	$582	$99
Mercury	$582	$98
State Farm	$638	$107
Allstate	$736	$124
Farmers	$792	$135
Travelers	$888	$148

Cheapest Full Coverage Car Insurance in Topanga

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 Topanga is CSAA at $147 per month and $873 for six months.

Cheapest Full Coverage Car Insurance Quotes in Topanga, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$873	$147
Mercury	$1398	$235
AAA NorCal	$1421	$242
Progressive	$1421	$239
Wawanesa	$1486	$250
USAA	$1511	$254
Auto Club	$1550	$264
Allstate	$1729	$291
AAA SoCal	$1825	$310
Kemper	$1931	$322
State Farm	$2069	$348
Travelers	$2311	$385
Farmers	$2319	$394
AAA	$1866	$311

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Average Car Insurance in Topanga 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 Topanga, CA increasing?

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

Car Insurance Premiums by Age in Topanga

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	$816
30s	Wawanesa	$658
40s	Wawanesa	$658
50s	Wawanesa	$658
60s	Wawanesa	$658
70s	Wawanesa	$645

Cheapest Car Insurance Rates for Teen Drivers in Topanga,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Topanga at $97 per month. At $4919 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$566	$97
Capital Insurance Group	$711	$118
USAA	$1850	$311
Wawanesa	$1890	$316
Progressive	$2165	$364
Mercury	$2245	$378
CSAA	$2383	$401
Auto Club	$3498	$583
State Farm	$3570	$601
Allstate	$4152	$699
AAA SoCal	$4394	$747
AAA NorCal	$4451	$741
Travelers	$4621	$786
Farmers	$4919	$820

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 Topanga.

As young drivers face the highest rates in Topanga, Wawanesa offers the cheapest auto insurance rates at $816 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 Topanga.

Car Insurance Rates with An Accident in Topanga

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

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

The cheapest car insurance companies after an at-fault accident in Topanga include AAA and Capital Insurance Group, offering $509 and $743, respectively. Allstate is an expensive provider with an average six-month premium of $4693.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$509	$84
Capital Insurance Group	$743	$126
CSAA	$994	$167
USAA	$1632	$275
Mercury	$1786	$301
Progressive	$1866	$314
Wawanesa	$2100	$350
Auto Club	$2327	$396
Farmers	$2545	$428
AAA NorCal	$2885	$491
AAA SoCal	$3127	$521
State Farm	$3692	$622
Travelers	$4451	$741
Allstate	$4693	$790

Topanga Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Topanga CA. For example, the car insurance in Topanga after a DUI increases to $2367 for a six month policy. While the rate increases by $622 for a six-month policy in the case of a speeding ticket.

Topanga auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1478	$246
Not-at-fault accident	$1478	$252
One comp claim	$1478	$246
One Med/PIP claim	$1478	$252
Two comp claims	$1478	$246
Two Med/PIP claims	$1478	$252
At-fault accident - less than $1000	$1511	$252
Failure to show documents	$1948	$330
Driving with expired registration	$1987	$332
Driving without lights	$1987	$337
Failure to wear a seat belt	$1995	$333
Child safety restraint	$2011	$341
Speeding 11 - 15 MPH over limit	$2092	$348
Speeding 16 - 20 MPH over limit	$2092	$356
Driving too slowly	$2100	$350
Failure to stop at a red light	$2100	$358
Failure to yield	$2100	$350
Following too closely	$2100	$358
Illegal turn	$2100	$350
In 65 MPH zone	$2100	$358
Speeding 21 - 25 MPH over limit	$2100	$350
Speeding 6 - 10 MPH over limit	$2100	$358
Speeding in school zone	$2100	$350
Improper passing	$2108	$359
Cell phone violation	$2116	$352
Texting while driving	$2116	$360
Passing school bus	$2141	$356
Wrong way/wrong lane	$2504	$426
Operating a vehicle without permission	$2561	$427
At-fault accident - $1000-$2000	$2577	$438
At-fault accident - greater than $2000	$2577	$430
Open container	$2585	$439
Driving with a suspended license	$2997	$499
Reckless driving	$3652	$622
Racing	$3692	$615
Leaving scene of an accident/hit and run	$3707	$631
DUI	$3845	$641
Refusal to submit to a chemical test	$3845	$654

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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 Topanga 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 Topanga.

The cheapest car insurance premiums in Topanga are offered by Capital Insurance Group at $1107 for a six-month policy. However, it can be as expensive as $1017 with companies like AAA.

Topanga car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$1107	$185
Mercury	$1583	$267
Progressive	$2100	$354
Wawanesa	$2366	$403
Farmers	$2657	$447
CSAA	$2827	$476
USAA	$2916	$491
Travelers	$3312	$558
Auto Club	$4677	$779
AAA NorCal	$5114	$869
AAA SoCal	$5735	$956
State Farm	$7279	$1225
Allstate	$7416	$1248
AAA	$1017	$173

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 Topanga are offered by CSAA at $129. However, it can be as expensive as $3555 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Topanga after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$129	$22
Capital Insurance Group	$711	$121
Mercury	$1527	$257
USAA	$1559	$265
Progressive	$1567	$264
AAA NorCal	$1802	$306
AAA SoCal	$2496	$416
Allstate	$3166	$539
Farmers	$3297	$549
State Farm	$3522	$598
Travelers	$3555	$593

Car Insurance Price Trends in Topanga, California

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

The average cost of full coverage in the Topanga rose by $288 in January compared to $261 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Topanga rose to $83 in January, compared to $75 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Topanga?

The car insurance in Topanga is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Topanga?

The cheapest car insurance in Topanga is $147 per month for full coverage.

How much is car insurance in Topanga for teenagers?

Car insurance for teenagers costs $566 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 Topanga?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $284 per month to insure your car in Topanga.

Is car insurance expensive in Topanga?

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

Cheapest Car Insurance Quotes in Topanga

Why you can trust Way?

How Much Is Car Insurance in Topanga

Avg. Car Insurance in Topanga

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Topanga

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Topanga Car Insurance Rates by Company

Cheap Car Insurance Companies in Topanga, CA

Way's key takeaways about car insurance in Topanga

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Topanga

Cheapest Liability Coverage in Topanga, CA

Cheapest Full Coverage Car Insurance in Topanga

Cheapest Full Coverage Car Insurance Quotes in Topanga, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Topanga by Rating Factor

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

Car Insurance Premiums by Age in Topanga

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Topanga,CA

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

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 Topanga

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

Topanga Car Insurance Rates by Violation

Topanga auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Topanga after a DUI

Topanga car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Topanga after Speeding ticket

Car Insurance Price Trends in Topanga, California

Average Car Insurance Cost in Topanga by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Topanga, CA

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

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