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Get Cheap Car Insurance in Sierra County, CA

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

 

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The Cheapest Minimum Coverage in Sierra County

The chart below shows the cheapest car insurance company in Sierra County 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.

 
Sierra County Insurer Monthly Cost
Metromile $46
Geico $52
Progressive $56
Travelers $57

Savings for Every Kind of Sierra County Driver

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

Based on our extensive insurance data, we know the average Sierra County 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 $586 per year by choosing the right vehicle insurance company. Some Sierra County residents are paying out over $1,831 extra every year for auto insurance in Sierra County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Sierra County, CA Savings / Yr.
Drivers with good records
$586
Drivers with accidents
$1,073
Drivers with speeding tickets
$848
Drivers with a DUI conviction
$1,490
Young drivers
$765
Married drivers
$332
Drivers with bad credit
$0

Sierra County Car Insurance vs. California

People living in Sierra County pay an average of 8.79% less than the typical driver in the state. The average driver in Sierra County can expect to pay about $857 per year, or $1,831 for full coverage.

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

Car Insurance Prices by Sierra County Neighborhood

Sierra County, CA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Sierra County?

The map shows insurance prices in and around Sierra County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $122 per year within the county boundaries, with insurance premiums ranging from a high of $1,904 to a low of $1,782. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Sierra County.

Pick the Best Car Insurance Company for You in Sierra County

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 Sierra County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Sierra County

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $586 over the average Sierra County car insurance company.

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We use the average good driver, paying $104 per month, as our baseline for pricing in Sierra County. 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 Sierra County drivers with accidents on their records

In Sierra County getting into an accident will raise premiums an average 44% for a yearly cost of $3,294. That's $1,462 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 $1,073 over the competition.

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The best car insurance company for Sierra County drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $848 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 Sierra County, tickets raise premiums on new quotes about $929. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $2,761 per year.

The best auto insurance for Sierra County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,638 per year in auto insurance premiums, which was $2,806 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 $1,490 less each year.

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The least expensive car insurance company for new and young drivers in Sierra County

In Sierra County, State Farm costs young drivers $765 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 Sierra County. With an average cost of $4,860 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 Sierra County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $182. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Sierra County.

Progressive gave the largest car insurance discounts to married couples, averaging $332 saved each year compared to an average Sierra County couple's premiums.

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The cheapest car insurance in Sierra County 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 Sierra County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Sierra County, 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 Sierra County.

Nationwide was the best company for customer service in Sierra County 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 Sierra County, 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 Sierra County. 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 Sierra County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 28% of Sierra County residents who are renting, and don't plan to be in the county 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 Sierra County 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 Sierra County, 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 Sierra County

What Influences the Cost of Car Insurance in Sierra County?

On average, car insurance in Sierra County 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 county are influenced by the following factors:

  • The average commute time in Sierra County is 38 minutes, which is a little more than average for a driver in the state.
  • California state insurance regulations may require higher prices.
  • An average of 24 to 25 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Sierra County 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.
  • Sierra County is one of the most densely populated areas in the state. The county’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 Sierra County is $71 per month for minimum coverage and $153 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 Counties

Counties with Similar Populations

* Who is the average Sierra County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Sierra County 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.