Cheapest Car Insurance Quotes in Watsonville

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Watsonville Car Insurance

^$ 25

/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 Watsonville

The car insurance rate in Watsonville is $1208 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $623, making it a popular choice for budget-conscious drivers. Rates in Watsonville 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 Watsonville

$1208

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Watsonville

1st place: CSAA

At $623 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $997 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 $1014 for six months, making it the third cheapest auto insurance company in Watsonville.

Watsonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Watsonville, CA is CSAA, offering policies at just $623 for a six-month term. This is followed by Mercury, which has an average six-month premium of $997.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1331 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Watsonville drivers find the best deals.

Cheap Car Insurance Companies in Watsonville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$623	$105
Mercury	$997	$168
AAA NorCal	$1014	$173
Progressive	$1014	$171
Wawanesa	$1060	$178
USAA	$1078	$181
Auto Club	$1106	$188
Allstate	$1233	$208
AAA SoCal	$1302	$221
Kemper	$1377	$230
State Farm	$1475	$248
Travelers	$1648	$275
Farmers	$1654	$281
AAA	$1331	$222

Key Takeaways

Way's key takeaways about car insurance in Watsonville

The auto insurance costs in Watsonville fall around $623 for six months.
The cheapest auto insurance company in Watsonville is CSAA.
Teen drivers pay the highest rate in Watsonville at $585 per month.

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Cheapest Minimum Liability Car Insurance in Watsonville

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 Watsonville are given below.

CSAA provides the cheapest minimum car insurance coverage in Watsonville. Their Average 6 Month Premium is $149. Travelers is the most expensive at $633 for the same period.

Cheapest Liability Coverage in Watsonville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$149	$25
AAA NorCal	$247	$42
USAA	$282	$48
Progressive	$335	$56
Auto Club	$340	$56
Wawanesa	$357	$60
AAA	$409	$68
AAA SoCal	$415	$71
Mercury	$415	$70
State Farm	$455	$77
Allstate	$525	$88
Farmers	$565	$96
Travelers	$633	$106

Cheapest Full Coverage Car Insurance in Watsonville

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 Watsonville is CSAA at $105 per month and $623 for six months.

Cheapest Full Coverage Car Insurance Quotes in Watsonville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$623	$105
Mercury	$997	$168
AAA NorCal	$1014	$173
Progressive	$1014	$171
Wawanesa	$1060	$178
USAA	$1078	$181
Auto Club	$1106	$188
Allstate	$1233	$208
AAA SoCal	$1302	$221
Kemper	$1377	$230
State Farm	$1475	$248
Travelers	$1648	$275
Farmers	$1654	$281
AAA	$1331	$222

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Average Car Insurance in Watsonville 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 Watsonville, CA increasing?

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

Car Insurance Premiums by Age in Watsonville

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	$582
30s	Wawanesa	$469
40s	Wawanesa	$469
50s	Wawanesa	$469
60s	Wawanesa	$469
70s	Wawanesa	$460

Cheapest Car Insurance Rates for Teen Drivers in Watsonville,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Watsonville at $69 per month. At $3508 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$404	$69
Capital Insurance Group	$507	$84
USAA	$1319	$222
Wawanesa	$1348	$225
Progressive	$1544	$260
Mercury	$1601	$270
CSAA	$1699	$286
Auto Club	$2495	$416
State Farm	$2546	$429
Allstate	$2961	$499
AAA SoCal	$3134	$533
AAA NorCal	$3175	$529
Travelers	$3296	$561
Farmers	$3508	$585

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 Watsonville.

As young drivers face the highest rates in Watsonville, Wawanesa offers the cheapest auto insurance rates at $582 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.

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Save up to $971/yr on car insurance rates in Watsonville.

Car Insurance Rates with An Accident in Watsonville

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

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

The cheapest car insurance companies after an at-fault accident in Watsonville include AAA and Capital Insurance Group, offering $363 and $530, respectively. Allstate is an expensive provider with an average six-month premium of $3347.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$363	$60
Capital Insurance Group	$530	$90
CSAA	$709	$119
USAA	$1164	$196
Mercury	$1274	$214
Progressive	$1331	$224
Wawanesa	$1498	$249
Auto Club	$1660	$282
Farmers	$1815	$306
AAA NorCal	$2057	$350
AAA SoCal	$2230	$372
State Farm	$2634	$443
Travelers	$3175	$529
Allstate	$3347	$564

Watsonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Watsonville CA. For example, the car insurance in Watsonville after a DUI increases to $1688 for a six month policy. While the rate increases by $444 for a six-month policy in the case of a speeding ticket.

Watsonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1054	$176
Not-at-fault accident	$1054	$179
One comp claim	$1054	$176
One Med/PIP claim	$1054	$179
Two comp claims	$1054	$176
Two Med/PIP claims	$1054	$179
At-fault accident - less than $1000	$1078	$179
Failure to show documents	$1389	$236
Driving with expired registration	$1417	$237
Driving without lights	$1417	$241
Failure to wear a seat belt	$1423	$238
Child safety restraint	$1435	$243
Speeding 11 - 15 MPH over limit	$1492	$248
Speeding 16 - 20 MPH over limit	$1492	$254
Driving too slowly	$1498	$249
Failure to stop at a red light	$1498	$255
Failure to yield	$1498	$249
Following too closely	$1498	$255
Illegal turn	$1498	$249
In 65 MPH zone	$1498	$255
Speeding 21 - 25 MPH over limit	$1498	$249
Speeding 6 - 10 MPH over limit	$1498	$255
Speeding in school zone	$1498	$249
Improper passing	$1504	$256
Cell phone violation	$1509	$251
Texting while driving	$1509	$257
Passing school bus	$1527	$254
Wrong way/wrong lane	$1786	$304
Operating a vehicle without permission	$1827	$305
At-fault accident - $1000-$2000	$1838	$312
At-fault accident - greater than $2000	$1838	$307
Open container	$1844	$313
Driving with a suspended license	$2138	$356
Reckless driving	$2604	$443
Racing	$2634	$438
Leaving scene of an accident/hit and run	$2644	$450
DUI	$2742	$457
Refusal to submit to a chemical test	$2742	$467

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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 Watsonville 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 Watsonville.

The cheapest car insurance premiums in Watsonville are offered by Capital Insurance Group at $790 for a six-month policy. However, it can be as expensive as $726 with companies like AAA.

Watsonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$790	$132
Mercury	$1129	$190
Progressive	$1498	$252
Wawanesa	$1688	$287
Farmers	$1895	$319
CSAA	$2017	$340
USAA	$2080	$350
Travelers	$2362	$398
Auto Club	$3336	$556
AAA NorCal	$3647	$620
AAA SoCal	$4090	$682
State Farm	$5191	$874
Allstate	$5289	$890
AAA	$726	$123

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 Watsonville are offered by CSAA at $92. However, it can be as expensive as $2536 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Watsonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$92	$16
Capital Insurance Group	$507	$86
Mercury	$1089	$183
USAA	$1112	$189
Progressive	$1117	$188
AAA NorCal	$1285	$218
AAA SoCal	$1780	$297
Allstate	$2258	$384
Farmers	$2351	$392
State Farm	$2512	$427
Travelers	$2536	$423

Car Insurance Price Trends in Watsonville, California

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

The average cost of full coverage in the Watsonville rose by $206 in January compared to $186 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Watsonville rose to $59 in January, compared to $53 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Watsonville?

The car insurance in Watsonville is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Watsonville?

The cheapest car insurance in Watsonville is $105 per month for full coverage.

How much is car insurance in Watsonville for teenagers?

Car insurance for teenagers costs $404 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 Watsonville?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $203 per month to insure your car in Watsonville.

Is car insurance expensive in Watsonville?

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

Cheapest Car Insurance Quotes in Watsonville

Why you can trust Way?

How Much Is Car Insurance in Watsonville

Avg. Car Insurance in Watsonville

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Watsonville

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Watsonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Watsonville, CA

Way's key takeaways about car insurance in Watsonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Watsonville

Cheapest Liability Coverage in Watsonville, CA

Cheapest Full Coverage Car Insurance in Watsonville

Cheapest Full Coverage Car Insurance Quotes in Watsonville, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Watsonville by Rating Factor

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

Car Insurance Premiums by Age in Watsonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Watsonville,CA

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

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 Watsonville

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

Watsonville Car Insurance Rates by Violation

Watsonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Watsonville after a DUI

Watsonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Watsonville after Speeding ticket

Car Insurance Price Trends in Watsonville, California

Average Car Insurance Cost in Watsonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Watsonville, CA

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

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