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Get Cheap Car Insurance in Carmel, CA
We monitor insurance prices, helping the average driver in Carmel save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Carmel
The chart below shows the cheapest car insurance company in Carmel for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Carmel Insurer | Monthly Cost |
|---|---|
| Metromile | $46 |
| Geico | $52 |
| Progressive | $56 |
| Travelers | $58 |
Savings for Every Kind of Carmel Driver
Based on our extensive insurance data, we know the average Carmel driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $590 per year by choosing the right vehicle insurance company. Some Carmel residents are paying out over $1,846 extra every year for auto insurance in Carmel. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Carmel, CA Savings / Yr. |
|---|---|
$590 |
|
$1,081 |
|
$855 |
|
$1,502 |
|
$771 |
|
$335 |
|
$0 |
Carmel Car Insurance vs. California
People living in Carmel pay an average of 8.06% less than the typical driver in the state. The average driver in Carmel can expect to pay about $864 per year, or $1,846 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Carmel for most people.
Car Insurance Prices by Carmel Neighborhood
Insurance Prices
Where is insurance cheapest within Carmel?
The map shows insurance prices in and around Carmel, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $181 per year within the city boundaries, with insurance premiums ranging from a high of $1,939 to a low of $1,758. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of Carmel.Pick the Best Car Insurance Company for You in Carmel
The best car insurance provider for most drivers in Carmel
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $590 over the average Carmel car insurance company.
The best car insurance provider for Carmel drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,081 over the competition.
The best car insurance company for Carmel drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $855 better than other car insurance companies.
The best auto insurance for Carmel drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,502 less each year.
The least expensive car insurance company for new and young drivers in Carmel
In Carmel, State Farm costs young drivers $771 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Carmel
Progressive gave the largest car insurance discounts to married couples, averaging $335 saved each year compared to an average Carmel couple's premiums.
The cheapest car insurance in Carmel for drivers with bad credit
The best Carmel car insurance company for customer service
Recent price drops
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The cheapest large national provider in Carmel
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Carmel driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Carmel, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Carmel
What Influences the Cost of Car Insurance in Carmel?
On average, car insurance in Carmel is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Carmel is 23 minutes, which is far less than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Carmel are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Carmel has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Carmel is $72 per month for minimum coverage and $154 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Carmel-By-The-Sea: Insurance costs 2.00% more
- Carmel Highlands: Insurance costs 3.30% less
- Monterey: Insurance costs 2.44% more
- Del Rey Oaks: Insurance costs 0.33% more
- Del Monte Forest: Insurance costs 3.09% more
- Sand City: Insurance costs 8.61% more
- Pacific Grove: Insurance costs 0.60% less
- Seaside: Insurance costs 9.91% more
- Robles Del Rio: Insurance costs 0.87% more
- Carmel Valley Village: Insurance costs the same
Cities with Similar Populations
- Box Elder: Insurance costs 9.70% less
- Scappoose: Insurance costs 15.33% less
- Brookings: Insurance costs 26.49% less
- Hebron: Insurance costs 35.27% less
- Bridgeton: Insurance costs 5.47% more
- Bridgeport: Insurance costs 23.46% less
- Briarcliff Manor: Insurance costs 39.06% more
- Breinigsville: Insurance costs 25.41% less
- Pennsville: Insurance costs 2.93% less
- Brandenburg: Insurance costs 13.38% more