Cheapest Car Insurance Quotes in Vernon

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Vernon Car Insurance

^$ 37

/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 Vernon

The car insurance rate in Vernon is $1436 for a six-month policy, which is $425 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $912, making it a popular choice for budget-conscious drivers. Rates in Vernon 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 Vernon

$1436

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Vernon

1st place: CSAA

At $912 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1156 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1223 for six months, making it the third cheapest auto insurance company in Vernon.

Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vernon, CA is CSAA, offering policies at just $912 for a six-month term. This is followed by USAA, which has an average six-month premium of $1156.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $1096 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vernon drivers find the best deals.

Cheap Car Insurance Companies in Vernon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$912	$153
USAA	$1156	$195
Mercury	$1223	$206
AAA SoCal	$1340	$229
Progressive	$1409	$237
Allstate	$1544	$260
Wawanesa	$1552	$261
AAA NorCal	$1569	$267
Auto Club	$1619	$270
State Farm	$1713	$288
AAA	$1948	$325
Kemper	$2016	$342
Farmers	$2252	$375
Capital Insurance Group	$1004	$168
National General	$1021	$173
State National	$1038	$173
Hartford	$1096	$186

Key Takeaways

Way's key takeaways about car insurance in Vernon

The auto insurance costs in Vernon fall around $912 for six months.
The cheapest auto insurance company in Vernon is CSAA.
Teen drivers pay the highest rate in Vernon at $95 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Vernon

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 Vernon are given below.

CSAA provides the cheapest minimum car insurance coverage in Vernon. Their Average 6 Month Premium is $219. 21st Century is the most expensive at $574 for the same period.

Cheapest Liability Coverage in Vernon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$219	$37
AAA	$388	$65
USAA	$405	$68
AAA NorCal	$422	$71
AAA SoCal	$481	$82
Progressive	$490	$82
Auto Club	$497	$85
State Farm	$514	$87
Wawanesa	$523	$88
Mercury	$557	$94
Allstate	$599	$101
Farmers	$717	$119
Kemper	$396	$67
Capital Insurance Group	$430	$74
State National	$456	$78
National General	$565	$94
21st Century	$574	$98

Cheapest Full Coverage Car Insurance in Vernon

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 Vernon is CSAA at $153 per month and $912 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vernon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$912	$153
USAA	$1156	$195
Mercury	$1223	$206
AAA SoCal	$1340	$229
Progressive	$1409	$237
Allstate	$1544	$260
Wawanesa	$1552	$261
AAA NorCal	$1569	$267
Auto Club	$1619	$270
State Farm	$1713	$288
AAA	$1948	$325
Kemper	$2016	$342
Farmers	$2252	$375
Capital Insurance Group	$1004	$168
National General	$1021	$173
State National	$1038	$173
Hartford	$1096	$186

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Average Car Insurance in Vernon 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 Vernon, CA increasing?

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

Car Insurance Premiums by Age in Vernon

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	$831
30s	Wawanesa	$670
40s	Wawanesa	$670
50s	Wawanesa	$670
60s	Wawanesa	$670
70s	Wawanesa	$656

Cheapest Car Insurance Rates for Teen Drivers in Vernon,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Vernon at $55 per month. At $557 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
Capital Insurance Group	$743	$124
USAA	$1771	$298
Mercury	$1796	$302
Wawanesa	$1974	$335
Progressive	$2066	$348
CSAA	$2488	$419
State Farm	$2952	$497
AAA SoCal	$3196	$544
Allstate	$3425	$577
Auto Club	$3652	$621
AAA NorCal	$4866	$811
Farmers	$4969	$845
State National	$531	$88
Marcury	$557	$95

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 Vernon.

As young drivers face the highest rates in Vernon, Wawanesa offers the cheapest auto insurance rates at $831 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 Vernon.

Car Insurance Rates with An Accident in Vernon

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

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

The cheapest car insurance companies after an at-fault accident in Vernon include AAA and Capital Insurance Group, offering $540 and $775, respectively. 21st Century is an expensive provider with an average six-month premium of $970.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$540	$91
Capital Insurance Group	$775	$132
CSAA	$1038	$175
USAA	$1552	$261
Progressive	$1796	$302
Mercury	$1906	$324
Wawanesa	$2192	$365
AAA SoCal	$2303	$392
Auto Club	$2430	$405
Farmers	$2496	$420
State Farm	$2969	$500
AAA NorCal	$3179	$541
Allstate	$3821	$643
State National	$640	$107
Hartford	$743	$126
National General	$852	$142
Nationwide	$919	$156
21st Century	$970	$162

Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vernon CA. For example, the car insurance in Vernon after a DUI increases to $2470 for a six month policy. While the rate increases by $648 for a six-month policy in the case of a speeding ticket.

Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1544	$257
Not-at-fault accident	$1544	$263
One comp claim	$1544	$257
One Med/PIP claim	$1544	$263
Two comp claims	$1544	$257
Two Med/PIP claims	$1544	$263
At-fault accident - less than $1000	$1578	$263
Failure to show documents	$2033	$345
Driving with expired registration	$2075	$346
Driving without lights	$2075	$352
Failure to wear a seat belt	$2083	$348
Child safety restraint	$2100	$356
Speeding 11 - 15 MPH over limit	$2184	$364
Speeding 16 - 20 MPH over limit	$2184	$372
Driving too slowly	$2192	$365
Failure to stop at a red light	$2192	$373
Failure to yield	$2192	$365
Following too closely	$2192	$373
Illegal turn	$2192	$365
In 65 MPH zone	$2192	$373
Speeding 21 - 25 MPH over limit	$2192	$365
Speeding 6 - 10 MPH over limit	$2192	$373
Speeding in school zone	$2192	$365
Improper passing	$2201	$375
Cell phone violation	$2210	$368
Texting while driving	$2210	$376
Passing school bus	$2235	$372
Wrong way/wrong lane	$2614	$444
Operating a vehicle without permission	$2674	$446
At-fault accident - $1000-$2000	$2691	$457
At-fault accident - greater than $2000	$2691	$449
Open container	$2699	$459
Driving with a suspended license	$3130	$521
Reckless driving	$3813	$649
Racing	$3855	$642
Leaving scene of an accident/hit and run	$3871	$659
DUI	$4014	$669
Refusal to submit to a chemical test	$4014	$683

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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 Vernon 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 Vernon.

The cheapest car insurance premiums in Vernon are offered by AAA at $1062 for a six-month policy. However, it can be as expensive as $895 with companies like Kemper.

Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$1062	$180
Capital Insurance Group	$1156	$193
Mercury	$1375	$231
Progressive	$2033	$342
Wawanesa	$2471	$420
Farmers	$2623	$442
USAA	$2792	$470
CSAA	$2952	$497
AAA SoCal	$4269	$726
Auto Club	$4883	$814
AAA NorCal	$5626	$957
State Farm	$6005	$1011
Allstate	$6183	$1041
Travelers	$1190	$199
National General	$557	$92
Kemper	$895	$149

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 Vernon are offered by CSAA at $135. However, it can be as expensive as $640 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$135	$23
Capital Insurance Group	$743	$124
Mercury	$1265	$213
USAA	$1325	$220
Progressive	$1426	$240
AAA NorCal	$1974	$329
AAA SoCal	$2117	$361
Allstate	$2177	$362
State Farm	$2303	$392
Farmers	$3188	$531
AAA	$413	$70
Kemper	$523	$89
National General	$557	$92
State National	$640	$109

Car Insurance Price Trends in Vernon, California

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

The average cost of full coverage in the Vernon rose by $273 in December compared to $270 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Vernon rose to $77 in December, compared to $74 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Vernon?

The car insurance in Vernon is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Vernon?

The cheapest car insurance in Vernon is $153 per month for full coverage.

How much is car insurance in Vernon for teenagers?

Car insurance for teenagers costs $329 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 Vernon?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $241 per month to insure your car in Vernon.

Is car insurance expensive in Vernon?

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

Cheapest Car Insurance Quotes in Vernon

Why you can trust Way?

How Much Is Car Insurance in Vernon

Avg. Car Insurance in Vernon

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Vernon

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Vernon Car Insurance Rates by Company

Cheap Car Insurance Companies in Vernon, CA

Way's key takeaways about car insurance in Vernon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vernon

Cheapest Liability Coverage in Vernon, CA

Cheapest Full Coverage Car Insurance in Vernon

Cheapest Full Coverage Car Insurance Quotes in Vernon, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vernon by Rating Factor

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

Car Insurance Premiums by Age in Vernon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vernon,CA

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

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 Vernon

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

Vernon Car Insurance Rates by Violation

Vernon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vernon after a DUI

Vernon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vernon after Speeding ticket

Car Insurance Price Trends in Vernon, California

Average Car Insurance Cost in Vernon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vernon, CA

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

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