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How much is car insurance in Alameda?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Alameda as it does in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Alameda are below the national average. The average monthly payment in Alameda is about $26 cheaper than the rate for the rest of the United States.
Keep in mind that while these are the average car insurance rates for Alameda, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Alameda residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may rise again in Alameda.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Alameda, although men do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Alameda with a single accident on their record is about $58 a month. Similarly, drivers with one ticket will typically pay around $71 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$57|
The cheapest vehicles to insure in Alameda are usually trucks and vans, with each type typically costing about $45 per month.
Car owners can expect to pay an average of around $56 a month for their policy, while SUVs usually cost around $49 a month to insure.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Alameda, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Alameda is no exception, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Alameda. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Alameda, CA
Recent trends in car insurance for Alameda drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Alameda, auto insurance rates had been decreasing from 2017-2020, before steadying out in 2021. Rates finished down in 2022, at $47 per month
How does Alameda compare to neighboring areas?
Why are car insurance rates in Alameda different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Community laws
- Crime levels
- Off-street parking availability
- Road safety
- Amount of drivers in the region
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Alameda?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Alameda.
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Alameda Insurance FAQs
What factors affect car insurance quotes in Alameda?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Alameda different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Alameda?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Alameda?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Alameda or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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