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 Terrace-Shurtleff, Napa, CA
We monitor insurance prices, helping the average driver in Terrace-Shurtleff save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Terrace-Shurtleff
The chart below shows the cheapest car insurance company in Terrace-Shurtleff 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.
| Terrace-Shurtleff Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of Terrace-Shurtleff Driver
Based on our extensive insurance data, we know the average Terrace-Shurtleff 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 $647 per year by choosing the right vehicle insurance company. Some Terrace-Shurtleff residents are paying out over $2,025 extra every year for auto insurance in Terrace-Shurtleff. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Terrace-Shurtleff, Napa, CA Savings / Yr. |
|---|---|
$647 |
|
$1,186 |
|
$938 |
|
$1,648 |
|
$846 |
|
$367 |
|
$0 |
Terrace-Shurtleff Car Insurance vs. Napa
People living in Terrace-Shurtleff pay an average of 0.86% more than the typical driver in the state. The average driver in Terrace-Shurtleff can expect to pay about $948 per year, or $2,025 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Terrace-Shurtleff for most people.
Car Insurance Prices by Terrace-Shurtleff Neighborhood
Insurance Prices
Where is insurance cheapest within Terrace-Shurtleff?
The map shows insurance prices in and around Terrace-Shurtleff, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $213 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,129 to a low of $1,916. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Central parts of Terrace-Shurtleff.Pick the Best Car Insurance Company for You in Terrace-Shurtleff
The best car insurance provider for most drivers in Terrace-Shurtleff
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $647 over the average Terrace-Shurtleff car insurance company.
The best car insurance provider for Terrace-Shurtleff 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 $1,186 over the competition.
The best car insurance company for Terrace-Shurtleff drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $938 better than other car insurance companies.
The best auto insurance for Terrace-Shurtleff drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,648 less each year.
The least expensive car insurance company for new and young drivers in Terrace-Shurtleff
In Terrace-Shurtleff, State Farm costs young drivers $846 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Terrace-Shurtleff
Progressive gave the largest car insurance discounts to married couples, averaging $367 saved each year compared to an average Terrace-Shurtleff couple's premiums.
The cheapest car insurance in Terrace-Shurtleff for drivers with bad credit
The best Terrace-Shurtleff car insurance company for customer service
Nationwide was the best company for customer service in Terrace-Shurtleff according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Terrace-Shurtleff, which was better than other insurers.
The cheapest large national provider in Terrace-Shurtleff
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Terrace-Shurtleff 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 Terrace-Shurtleff, 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 Terrace-Shurtleff
What Influences the Cost of Car Insurance in Terrace-Shurtleff?
On average, car insurance in Terrace-Shurtleff is more expensive than the rest of the state. These high 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 neighborhood are influenced by the following factors:
- 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 Terrace-Shurtleff are higher than average 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 C+ according to CrimeGrade.org.
- Terrace-Shurtleff has an average population density in the state. The neighborhood’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 Terrace-Shurtleff is $79 per month for minimum coverage and $169 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 Neighborhoods
- Central Napa: Insurance costs 0.35% less
- Westwood-San Francisco: Insurance costs 1.33% more
- Beard: Insurance costs 2.86% less
- Vintage: Insurance costs 3.85% less
- Browns Valley: Insurance costs 3.56% less
- Linda Vista-San Francisco: Insurance costs 5.58% less
- Flosden: Insurance costs 8.69% more
- Chabot Terrace: Insurance costs 12.25% more
- Harry Floyd Terrace: Insurance costs 8.30% more
- Carquinez Heights: Insurance costs 9.83% more
Neighborhoods with Similar Populations
- South Broadway: Insurance costs 15.90% less
- Garfield: Insurance costs 18.17% less
- Westchester: Insurance costs 6.52% less
- Armory Park: Insurance costs 10.62% less
- Avalon: Insurance costs 9.93% less
- Benton Park: Insurance costs 4.54% more
- Brookview: Insurance costs 16.49% less
- Vista del Norte: Insurance costs 11.51% less
- Ravine Gardens: Insurance costs 9.09% less
- Port Dixie: Insurance costs 17.68% more