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Get Cheap Car Insurance in Mount Aukum, CA

We monitor insurance prices, helping the average driver in Mount Aukum save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Mount Aukum

The chart below shows the cheapest car insurance company in Mount Aukum 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.

 
Mount Aukum Insurer Monthly Cost
Metromile $48
Geico $54
Progressive $58
Travelers $60

Savings for Every Kind of Mount Aukum Driver

The table shows how much the average auto insurance customer in Mount Aukum might save by following our recommendations.

Based on our extensive insurance data, we know the average Mount Aukum 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 $613 per year by choosing the right vehicle insurance company. Some Mount Aukum residents are paying out over $1,916 extra every year for auto insurance in Mount Aukum. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Mount Aukum Car Insurance vs. California

People living in Mount Aukum pay an average of 4.59% less than the typical driver in the state. The average driver in Mount Aukum can expect to pay about $897 per year, or $1,916 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Mount Aukum for most people.

Car Insurance Prices by Mount Aukum Neighborhood

Mount Aukum, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Mount Aukum?

The map shows insurance prices in and around Mount Aukum, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $42 per year within the city boundaries, with insurance premiums ranging from a high of $1,919 to a low of $1,877. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Mount Aukum.

Pick the Best Car Insurance Company for You in Mount Aukum

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Mount Aukum insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mount Aukum

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $613 over the average Mount Aukum car insurance company.

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We use the average good driver, paying $109 per month, as our baseline for pricing in Mount Aukum. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Mount Aukum drivers with accidents on their records

In Mount Aukum getting into an accident will raise premiums an average 44% for a yearly cost of $3,445. That's $1,529 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,122 over the competition.

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The best car insurance company for Mount Aukum drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $887 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Mount Aukum, tickets raise premiums on new quotes about $972. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $2,888 per year.

The best auto insurance for Mount Aukum drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,851 per year in auto insurance premiums, which was $2,936 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,559 less each year.

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The least expensive car insurance company for new and young drivers in Mount Aukum

In Mount Aukum, State Farm costs young drivers $800 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Mount Aukum. With an average cost of $5,083 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Mount Aukum

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $190. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Mount Aukum.

Progressive gave the largest car insurance discounts to married couples, averaging $347 saved each year compared to an average Mount Aukum couple's premiums.

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The cheapest car insurance in Mount Aukum for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Mount Aukum car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mount Aukum, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Mount Aukum.

Nationwide was the best company for customer service in Mount Aukum according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Mount Aukum, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Mount Aukum. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Mount Aukum

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 12% of Mount Aukum residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Mount Aukum driver can expect to pay about $129 per month.

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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 Mount Aukum, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Mount Aukum

What Influences the Cost of Car Insurance in Mount Aukum?

On average, car insurance in Mount Aukum 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 Mount Aukum is 55 minutes, which is far more 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 Mount Aukum 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.
  • Mount Aukum has an average population density in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Mount Aukum is $75 per month for minimum coverage and $160 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

Cities with Similar Populations

* Who is the average Mount Aukum driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mount Aukum with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.