Cheapest Car Insurance Quotes in Toro Canyon

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Toro Canyon Car Insurance

^$ 24

/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 Toro Canyon

The car insurance rate in Toro Canyon is $1037 for a six-month policy, which is $78 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $597, making it a popular choice for budget-conscious drivers. Rates in Toro Canyon 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 Toro Canyon

$1037

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Toro Canyon

1st place: CSAA

At $597 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $801 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $878 for six months, making it the third cheapest auto insurance company in Toro Canyon.

Toro Canyon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Toro Canyon, CA is CSAA, offering policies at just $597 for a six-month term. This is followed by Mercury, which has an average six-month premium of $801.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1276 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Toro Canyon drivers find the best deals.

Cheap Car Insurance Companies in Toro Canyon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$597	$100
Mercury	$801	$135
AAA SoCal	$878	$146
Progressive	$923	$155
USAA	$977	$165
Allstate	$1011	$170
Wawanesa	$1016	$171
AAA NorCal	$1028	$175
Auto Club	$1060	$177
State Farm	$1122	$189
Kemper	$1321	$220
Farmers	$1475	$251
AAA	$1276	$213

Key Takeaways

Way's key takeaways about car insurance in Toro Canyon

The auto insurance costs in Toro Canyon fall around $597 for six months.
The cheapest auto insurance company in Toro Canyon is CSAA.
Teen drivers pay the highest rate in Toro Canyon at $542 per month.

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Cheapest Minimum Liability Car Insurance in Toro Canyon

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 Toro Canyon are given below.

CSAA provides the cheapest minimum car insurance coverage in Toro Canyon. Their Average 6 Month Premium is $143. Farmers is the most expensive at $470 for the same period.

Cheapest Liability Coverage in Toro Canyon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$143	$24
USAA	$265	$45
AAA NorCal	$276	$47
AAA SoCal	$315	$54
Progressive	$321	$54
Auto Club	$326	$56
State Farm	$337	$57
Wawanesa	$342	$58
Mercury	$365	$61
AAA	$392	$67
Allstate	$392	$66
Farmers	$470	$80

Cheapest Full Coverage Car Insurance in Toro Canyon

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 Toro Canyon is CSAA at $100 per month and $597 for six months.

Cheapest Full Coverage Car Insurance Quotes in Toro Canyon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$597	$100
Mercury	$801	$135
AAA SoCal	$878	$146
Progressive	$923	$155
USAA	$977	$165
Allstate	$1011	$170
Wawanesa	$1016	$171
AAA NorCal	$1028	$175
Auto Club	$1060	$177
State Farm	$1122	$189
Kemper	$1321	$220
Farmers	$1475	$251
AAA	$1276	$213

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Average Car Insurance in Toro Canyon 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 Toro Canyon, CA increasing?

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

Car Insurance Premiums by Age in Toro Canyon

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	$544
30s	Wawanesa	$439
40s	Wawanesa	$439
50s	Wawanesa	$439
60s	Wawanesa	$439
70s	Wawanesa	$430

Cheapest Car Insurance Rates for Teen Drivers in Toro Canyon,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Toro Canyon at $64 per month. At $3254 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$387	$64
Capital Insurance Group	$486	$83
USAA	$1160	$195
Mercury	$1176	$198
Wawanesa	$1293	$216
Progressive	$1353	$228
CSAA	$1629	$274
State Farm	$1933	$326
AAA SoCal	$2093	$349
Allstate	$2243	$378
Auto Club	$2392	$399
AAA NorCal	$3187	$542
Farmers	$3254	$542

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 Toro Canyon.

As young drivers face the highest rates in Toro Canyon, Wawanesa offers the cheapest auto insurance rates at $544 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 Toro Canyon.

Car Insurance Rates with An Accident in Toro Canyon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Toro Canyon

The cheapest car insurance companies after an at-fault accident in Toro Canyon include AAA and Capital Insurance Group, offering $348 and $508, respectively. Allstate is an expensive provider with an average six-month premium of $2503.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$348	$58
Capital Insurance Group	$508	$86
CSAA	$680	$114
Mercury	$983	$166
USAA	$1016	$171
Progressive	$1176	$198
Wawanesa	$1436	$239
AAA SoCal	$1508	$257
Auto Club	$1591	$265
Farmers	$1635	$275
State Farm	$1945	$327
AAA NorCal	$2082	$354
Allstate	$2503	$421

Toro Canyon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Toro Canyon CA. For example, the car insurance in Toro Canyon after a DUI increases to $1618 for a six month policy. While the rate increases by $425 for a six-month policy in the case of a speeding ticket.

Toro Canyon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1011	$168
Not-at-fault accident	$1011	$172
One comp claim	$1011	$168
One Med/PIP claim	$1011	$172
Two comp claims	$1011	$168
Two Med/PIP claims	$1011	$172
At-fault accident - less than $1000	$1033	$172
Failure to show documents	$1332	$226
Driving with expired registration	$1359	$227
Driving without lights	$1359	$231
Failure to wear a seat belt	$1364	$228
Child safety restraint	$1375	$233
Speeding 11 - 15 MPH over limit	$1430	$238
Speeding 16 - 20 MPH over limit	$1430	$244
Driving too slowly	$1436	$239
Failure to stop at a red light	$1436	$245
Failure to yield	$1436	$239
Following too closely	$1436	$245
Illegal turn	$1436	$239
In 65 MPH zone	$1436	$245
Speeding 21 - 25 MPH over limit	$1436	$239
Speeding 6 - 10 MPH over limit	$1436	$245
Speeding in school zone	$1436	$239
Improper passing	$1442	$246
Cell phone violation	$1447	$241
Texting while driving	$1447	$246
Passing school bus	$1464	$244
Wrong way/wrong lane	$1712	$291
Operating a vehicle without permission	$1751	$292
At-fault accident - $1000-$2000	$1762	$299
At-fault accident - greater than $2000	$1762	$294
Open container	$1768	$300
Driving with a suspended license	$2050	$341
Reckless driving	$2497	$425
Racing	$2525	$420
Leaving scene of an accident/hit and run	$2535	$432
DUI	$2629	$438
Refusal to submit to a chemical test	$2629	$447

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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 Toro Canyon 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 Toro Canyon.

The cheapest car insurance premiums in Toro Canyon are offered by Capital Insurance Group at $757 for a six-month policy. However, it can be as expensive as $696 with companies like AAA.

Toro Canyon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$757	$128
Mercury	$900	$152
Travelers	$1050	$179
Progressive	$1332	$224
Wawanesa	$1618	$275
Farmers	$1718	$289
USAA	$1828	$308
CSAA	$1933	$326
AAA SoCal	$2796	$475
Auto Club	$3198	$533
AAA NorCal	$3685	$627
State Farm	$3933	$662
Allstate	$4049	$682
AAA	$696	$118

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 Toro Canyon are offered by CSAA at $88. However, it can be as expensive as $2088 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Toro Canyon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$88	$15
Capital Insurance Group	$486	$83
Mercury	$829	$140
USAA	$868	$148
Progressive	$934	$157
AAA NorCal	$1293	$219
AAA SoCal	$1387	$231
Allstate	$1426	$243
State Farm	$1508	$251
Farmers	$2088	$355

Car Insurance Price Trends in Toro Canyon, California

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

The average cost of full coverage in the Toro Canyon remained steady at $179 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Toro Canyon rose to $51 in January, compared to $50 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Toro Canyon?

The car insurance in Toro Canyon is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Toro Canyon?

The cheapest car insurance in Toro Canyon is $100 per month for full coverage.

How much is car insurance in Toro Canyon for teenagers?

Car insurance for teenagers costs $387 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 Toro Canyon?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $174 per month to insure your car in Toro Canyon.

Is car insurance expensive in Toro Canyon?

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

Cheapest Car Insurance Quotes in Toro Canyon

Why you can trust Way?

How Much Is Car Insurance in Toro Canyon

Avg. Car Insurance in Toro Canyon

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Toro Canyon

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Toro Canyon Car Insurance Rates by Company

Cheap Car Insurance Companies in Toro Canyon, CA

Way's key takeaways about car insurance in Toro Canyon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Toro Canyon

Cheapest Liability Coverage in Toro Canyon, CA

Cheapest Full Coverage Car Insurance in Toro Canyon

Cheapest Full Coverage Car Insurance Quotes in Toro Canyon, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Toro Canyon by Rating Factor

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

Car Insurance Premiums by Age in Toro Canyon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Toro Canyon,CA

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

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 Toro Canyon

Cheapest Car Insurance Companies after an At-Fault Accident in Toro Canyon

Toro Canyon Car Insurance Rates by Violation

Toro Canyon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Toro Canyon after a DUI

Toro Canyon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Toro Canyon after Speeding ticket

Car Insurance Price Trends in Toro Canyon, California

Average Car Insurance Cost in Toro Canyon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Toro Canyon, CA

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

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Data Sources