Compare Cottonwood, CA Car Insurance Rates (2021)

Car insurance in Cottonwood, CA averages $256 a month. Cottonwood, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Cottonwood car insurance rates, compare quotes from the top car insurance companies in Cottonwood, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Cottonwood for teen drivers is Progressive
  • The cheapest car insurance company in Cottonwood is Progressive
  • Average car insurance rates in Cottonwood, CA after a DUI are $4,292/year

If you need to buy Cottonwood, California car insurance, the options can be confusing. Everything you need to know about car insurance in Cottonwood, CA is right here.

You’ll find Cottonwood car insurance rates, the cheapest Cottonwood, CA car insurance companies, and information on California car insurance laws. You can also compare Cottonwood, California car insurance rates to San Jose car insurance rates, San Diego car insurance rates, and Sacramento car insurance rates.

Ready to find affordable Cottonwood, CA car insurance today? Enter your ZIP code for fast, free Cottonwood car insurance quotes.

Cheapest Cottonwood, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cottonwood, CA car insurance rates? Every Cottonwood, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cottonwood, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,074 $2,081 $1,516 $1,535 $5,593 $7,032 $2,650 $2,927
Farmers $2,334 $2,334 $2,093 $2,093 $7,406 $12,175 $2,760 $3,068
GEICO $1,664 $1,665 $1,565 $1,565 $5,041 $5,139 $2,387 $2,448
Liberty Mutual $2,331 $2,211 $2,159 $2,094 $5,088 $5,403 $2,634 $2,650
Nationwide $2,728 $2,611 $2,383 $2,252 $6,808 $7,532 $3,244 $3,213
Progressive $1,375 $1,415 $1,169 $1,385 $3,603 $4,350 $1,975 $2,124
State Farm $2,744 $2,744 $2,449 $2,449 $5,009 $6,222 $3,033 $3,126
Travelers $1,918 $1,863 $1,694 $1,678 $3,815 $4,320 $2,443 $2,405
USAA $1,767 $1,676 $1,724 $1,733 $4,015 $4,028 $2,440 $2,308

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Minimum Car Insurance in Cottonwood, CA

Every driver must carry the minimum car insurance in Cottonwood, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Cottonwood, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Cottonwood, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cottonwood, CA to rates for a clean record with top companies.

Annual Cottonwood, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,927 $3,218 $5,043 $2,517
Farmers $3,165 $4,310 $5,375 $4,281
GEICO $1,879 $2,890 $3,636 $2,331
Liberty Mutual $2,666 $3,573 $3,222 $2,824
Nationwide $2,687 $3,442 $5,814 $3,442
Progressive $1,428 $2,413 $2,806 $2,051
State Farm $2,474 $2,953 $5,588 $2,873
Travelers $1,715 $2,728 $3,153 $2,471
USAA $1,637 $2,429 $3,987 $1,793

Cheapest Cottonwood, CA Car Insurance for Teen Drivers

Teen car insurance in Cottonwood, CA can be expensive. Take a look at rates from the top car insurance companies in Cottonwood for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cottonwood, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,593 $7,032
Farmers $7,406 $12,175
GEICO $5,041 $5,139
Liberty Mutual $5,088 $5,403
Nationwide $6,808 $7,532
Progressive $3,603 $4,350
State Farm $5,009 $6,222
Travelers $3,815 $4,320
USAA $4,015 $4,028

Cheapest Cottonwood, CA Car Insurance for Seniors

Take a look at Cottonwood, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cottonwood, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,516 $1,535
Farmers $2,093 $2,093
GEICO $1,565 $1,565
Liberty Mutual $2,159 $2,094
Nationwide $2,383 $2,252
Progressive $1,169 $1,385
State Farm $2,449 $2,449
Travelers $1,694 $1,678
USAA $1,724 $1,733

Cheapest Cottonwood, CA Car Insurance Rates After a DUI

A DUI in Cottonwood, CA increases car insurance rates. Compare Cottonwood, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cottonwood, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,043
Farmers $5,375
GEICO $3,636
Liberty Mutual $3,222
Nationwide $5,814
Progressive $2,806
State Farm $5,588
Travelers $3,153
USAA $3,987

Cheapest Cottonwood, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cottonwood, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cottonwood, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,865 $3,487
Farmers $3,887 $4,679
GEICO $2,439 $2,930
Liberty Mutual $2,820 $3,322
Nationwide $3,403 $4,290
Progressive $1,978 $2,371
State Farm $3,345 $3,599
Travelers $2,276 $2,758
USAA $2,267 $2,656

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The Best Cheap Car Insurance Companies in Cottonwood, CA

Take a look at a side-by-side comparison of the top car insurance companies in Cottonwood, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cottonwood, California

Insurance Company Average Annual Rates
Allstate $3,176
Farmers $4,283
GEICO $2,684
Liberty Mutual $3,071
Nationwide $3,846
Progressive $2,175
State Farm $3,472
Travelers $2,517
USAA $2,461

Category Winners: Cheapest Car Insurance in Cottonwood, California

Find the cheapest car insurance companies in Cottonwood, CA for each category right here.

Best Annual Car Insurance Rates by Company in Cottonwood, California

Category Insurance Company
Teenagers Progressive
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Cottonwood, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cottonwood car insurance rates. Find the cheapest Cottonwood, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cottonwood, California

Insurance Company Low Medium High
Allstate $3,003 $3,204 $3,321
Farmers $4,003 $4,312 $4,533
GEICO $2,439 $2,712 $2,902
Liberty Mutual $2,874 $3,098 $3,242
Nationwide $3,455 $3,909 $4,175
Progressive $1,962 $2,234 $2,328
State Farm $3,144 $3,526 $3,746
Travelers $2,184 $2,582 $2,785
USAA $2,233 $2,508 $2,643

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What affects car insurance rates in Cottonwood, California?

What factors can have an impact on Cottonwood, CA car insurance? There are several reasons why Cottonwood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cottonwood, California.

Commute Time in Cottonwood

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottonwood, CA is 22.9 minutes according to City-Data.

Compare Car Insurance Quotes in Cottonwood, CA

Ready to find affordable Cottonwood, California car insurance today? Enter your ZIP code for fast, free Cottonwood, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State