Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Cayton, CA
We monitor insurance prices, helping the average driver in Cayton save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Cayton
The chart below shows the cheapest car insurance company in Cayton 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.
| Cayton Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $53 |
| Progressive | $57 |
| Travelers | $59 |
Savings for Every Kind of Cayton Driver
Based on our extensive insurance data, we know the average Cayton 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 $599 per year by choosing the right vehicle insurance company. Some Cayton residents are paying out over $1,872 extra every year for auto insurance in Cayton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Cayton, CA Savings / Yr. |
|---|---|
$599 |
|
$1,096 |
|
$867 |
|
$1,523 |
|
$782 |
|
$339 |
|
$0 |
Cayton Car Insurance vs. California
People living in Cayton pay an average of 6.78% less than the typical driver in the state. The average driver in Cayton can expect to pay about $876 per year, or $1,872 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Cayton for most people.
Car Insurance Prices by Cayton Neighborhood
Insurance Prices
Where is insurance cheapest within Cayton?
The map shows insurance prices in and around Cayton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $110 per year within the city boundaries, with insurance premiums ranging from a high of $1,892 to a low of $1,782. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of Cayton.Pick the Best Car Insurance Company for You in Cayton
The best car insurance provider for most drivers in Cayton
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $599 over the average Cayton car insurance company.
The best car insurance provider for Cayton 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 $1,096 over the competition.
The best car insurance company for Cayton drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $867 better than other car insurance companies.
The best auto insurance for Cayton drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,523 less each year.
The least expensive car insurance company for new and young drivers in Cayton
In Cayton, State Farm costs young drivers $782 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Cayton
Progressive gave the largest car insurance discounts to married couples, averaging $339 saved each year compared to an average Cayton couple's premiums.
The cheapest car insurance in Cayton for drivers with bad credit
The best Cayton car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Cayton, which was better than other insurers.
The cheapest large national provider in Cayton
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Cayton 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 Cayton, 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 Cayton
What Influences the Cost of Car Insurance in Cayton?
On average, car insurance in Cayton 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 Cayton is 31 minutes, which is a little 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 Cayton are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Cayton is one of the most densely populated areas 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 Cayton is $73 per month for minimum coverage and $156 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
- Johnson Park: Insurance costs 2.99% less
- Dana: Insurance costs 1.66% less
- Cassel: Insurance costs 6.20% less
- Burney: Insurance costs 2.19% less
- Fall River Mills: Insurance costs 1.12% less
- Glenburn: Insurance costs 2.67% less
- Big Bend: Insurance costs 2.72% less
- Mcarthur: Insurance costs 2.83% less
- Hat Creek: Insurance costs 5.45% less
- Pittville: Insurance costs 5.34% less
Cities with Similar Populations
- Cedar Point: Insurance costs 18.11% less
- Three Lakes: Insurance costs 52.03% more
- The Glen: Insurance costs 36.27% less
- Craige: Insurance costs 28.74% less
- Colgate: Insurance costs 27.78% less
- Clarksburg: Insurance costs 20.09% less
- Choupique: Insurance costs 56.94% more
- Chaseley: Insurance costs 22.38% less
- Chance: Insurance costs 12.23% more
- Center Station: Insurance costs 38.46% less