Cheapest Car Insurance Quotes in Winterhaven

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Winterhaven Car Insurance

^$ 26

/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 Winterhaven

The car insurance rate in Winterhaven is $1001 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Winterhaven 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 Winterhaven

$1001

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Winterhaven

1st place: CSAA

At $636 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $806 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $852 for six months, making it the third cheapest auto insurance company in Winterhaven.

Winterhaven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Winterhaven, CA is CSAA, offering policies at just $636 for a six-month term. This is followed by USAA, which has an average six-month premium of $806.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Winterhaven drivers find the best deals.

Cheap Car Insurance Companies in Winterhaven, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$636	$107
USAA	$806	$136
Mercury	$852	$144
AAA SoCal	$935	$159
Progressive	$982	$165
Allstate	$1076	$181
Wawanesa	$1082	$182
AAA NorCal	$1094	$186
Auto Club	$1129	$188
State Farm	$1194	$201
AAA	$1358	$227
Kemper	$1406	$239
Farmers	$1570	$261
Capital Insurance Group	$700	$117
National General	$712	$121
State National	$724	$121
Hartford	$764	$130

Key Takeaways

Way's key takeaways about car insurance in Winterhaven

The auto insurance costs in Winterhaven fall around $636 for six months.
The cheapest auto insurance company in Winterhaven is CSAA.
Teen drivers pay the highest rate in Winterhaven at $66 per month.

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

Cheapest Minimum Liability Car Insurance in Winterhaven

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 Winterhaven are given below.

CSAA provides the cheapest minimum car insurance coverage in Winterhaven. Their Average 6 Month Premium is $152. 21st Century is the most expensive at $400 for the same period.

Cheapest Liability Coverage in Winterhaven, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$152	$26
AAA	$270	$46
USAA	$282	$48
AAA NorCal	$294	$50
AAA SoCal	$336	$57
Progressive	$342	$57
Auto Club	$347	$59
State Farm	$358	$60
Wawanesa	$364	$61
Mercury	$388	$65
Allstate	$418	$70
Farmers	$500	$83
Kemper	$276	$47
Capital Insurance Group	$300	$51
State National	$318	$54
National General	$394	$65
21st Century	$400	$68

Cheapest Full Coverage Car Insurance in Winterhaven

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 Winterhaven is CSAA at $107 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in Winterhaven, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$636	$107
USAA	$806	$136
Mercury	$852	$144
AAA SoCal	$935	$159
Progressive	$982	$165
Allstate	$1076	$181
Wawanesa	$1082	$182
AAA NorCal	$1094	$186
Auto Club	$1129	$188
State Farm	$1194	$201
AAA	$1358	$227
Kemper	$1406	$239
Farmers	$1570	$261
Capital Insurance Group	$700	$117
National General	$712	$121
State National	$724	$121
Hartford	$764	$130

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Average Car Insurance in Winterhaven 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 Winterhaven, CA increasing?

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

Car Insurance Premiums by Age in Winterhaven

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	$579
30s	Wawanesa	$467
40s	Wawanesa	$467
50s	Wawanesa	$467
60s	Wawanesa	$467
70s	Wawanesa	$457

Cheapest Car Insurance Rates for Teen Drivers in Winterhaven,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Winterhaven at $39 per month. At $388 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$230	$39
Capital Insurance Group	$518	$86
USAA	$1235	$208
Mercury	$1252	$211
Wawanesa	$1376	$234
Progressive	$1440	$243
CSAA	$1734	$292
State Farm	$2058	$347
AAA SoCal	$2228	$379
Allstate	$2388	$402
Auto Club	$2546	$433
AAA NorCal	$3393	$565
Farmers	$3464	$589
State National	$370	$61
Marcury	$388	$66

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 Winterhaven.

As young drivers face the highest rates in Winterhaven, Wawanesa offers the cheapest auto insurance rates at $579 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 Winterhaven.

Car Insurance Rates with An Accident in Winterhaven

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

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

The cheapest car insurance companies after an at-fault accident in Winterhaven include AAA and Capital Insurance Group, offering $376 and $541, respectively. 21st Century is an expensive provider with an average six-month premium of $676.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$376	$63
Capital Insurance Group	$541	$92
CSAA	$724	$122
USAA	$1082	$182
Progressive	$1252	$211
Mercury	$1329	$226
Wawanesa	$1529	$254
AAA SoCal	$1606	$273
Auto Club	$1694	$282
Farmers	$1740	$293
State Farm	$2070	$348
AAA NorCal	$2217	$377
Allstate	$2664	$448
State National	$446	$74
Hartford	$518	$88
National General	$594	$99
Nationwide	$641	$109
21st Century	$676	$113

Winterhaven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Winterhaven CA. For example, the car insurance in Winterhaven after a DUI increases to $1723 for a six month policy. While the rate increases by $453 for a six-month policy in the case of a speeding ticket.

Winterhaven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1076	$179
Not-at-fault accident	$1076	$183
One comp claim	$1076	$179
One Med/PIP claim	$1076	$183
Two comp claims	$1076	$179
Two Med/PIP claims	$1076	$183
At-fault accident - less than $1000	$1100	$183
Failure to show documents	$1418	$241
Driving with expired registration	$1446	$242
Driving without lights	$1446	$246
Failure to wear a seat belt	$1452	$243
Child safety restraint	$1464	$248
Speeding 11 - 15 MPH over limit	$1523	$253
Speeding 16 - 20 MPH over limit	$1523	$259
Driving too slowly	$1529	$254
Failure to stop at a red light	$1529	$260
Failure to yield	$1529	$254
Following too closely	$1529	$260
Illegal turn	$1529	$254
In 65 MPH zone	$1529	$260
Speeding 21 - 25 MPH over limit	$1529	$254
Speeding 6 - 10 MPH over limit	$1529	$260
Speeding in school zone	$1529	$254
Improper passing	$1535	$261
Cell phone violation	$1540	$256
Texting while driving	$1540	$262
Passing school bus	$1558	$259
Wrong way/wrong lane	$1823	$310
Operating a vehicle without permission	$1864	$311
At-fault accident - $1000-$2000	$1876	$319
At-fault accident - greater than $2000	$1876	$313
Open container	$1882	$320
Driving with a suspended license	$2182	$363
Reckless driving	$2658	$452
Racing	$2688	$447
Leaving scene of an accident/hit and run	$2699	$459
DUI	$2799	$466
Refusal to submit to a chemical test	$2799	$476

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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 Winterhaven 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 Winterhaven.

The cheapest car insurance premiums in Winterhaven are offered by AAA at $741 for a six-month policy. However, it can be as expensive as $624 with companies like Kemper.

Winterhaven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$741	$126
Capital Insurance Group	$806	$135
Mercury	$958	$161
Progressive	$1418	$239
Wawanesa	$1723	$293
Farmers	$1829	$308
USAA	$1946	$328
CSAA	$2058	$347
AAA SoCal	$2976	$506
Auto Club	$3405	$567
AAA NorCal	$3922	$667
State Farm	$4187	$705
Allstate	$4310	$726
Travelers	$830	$139
National General	$388	$64
Kemper	$624	$104

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 Winterhaven are offered by CSAA at $94. However, it can be as expensive as $446 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Winterhaven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$94	$16
Capital Insurance Group	$518	$86
Mercury	$882	$149
USAA	$924	$153
Progressive	$994	$167
AAA NorCal	$1376	$230
AAA SoCal	$1476	$251
Allstate	$1518	$252
State Farm	$1606	$273
Farmers	$2223	$370
AAA	$288	$49
Kemper	$364	$62
National General	$388	$64
State National	$446	$76

Car Insurance Price Trends in Winterhaven, California

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

The average cost of full coverage in the Winterhaven rose by $190 in December compared to $188 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Winterhaven rose to $53 in December, compared to $51 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Winterhaven?

The car insurance in Winterhaven is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Winterhaven?

The cheapest car insurance in Winterhaven is $107 per month for full coverage.

How much is car insurance in Winterhaven for teenagers?

Car insurance for teenagers costs $230 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 Winterhaven?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $168 per month to insure your car in Winterhaven.

Is car insurance expensive in Winterhaven?

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

Cheapest Car Insurance Quotes in Winterhaven

Why you can trust Way?

How Much Is Car Insurance in Winterhaven

Avg. Car Insurance in Winterhaven

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Winterhaven

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Winterhaven Car Insurance Rates by Company

Cheap Car Insurance Companies in Winterhaven, CA

Way's key takeaways about car insurance in Winterhaven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Winterhaven

Cheapest Liability Coverage in Winterhaven, CA

Cheapest Full Coverage Car Insurance in Winterhaven

Cheapest Full Coverage Car Insurance Quotes in Winterhaven, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Winterhaven by Rating Factor

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

Car Insurance Premiums by Age in Winterhaven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Winterhaven,CA

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

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 Winterhaven

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

Winterhaven Car Insurance Rates by Violation

Winterhaven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Winterhaven after a DUI

Winterhaven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Winterhaven after Speeding ticket

Car Insurance Price Trends in Winterhaven, California

Average Car Insurance Cost in Winterhaven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Winterhaven, CA

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

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