Table of contents
How much is car insurance in Benicia?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in Benicia than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Benicia. It's about $34 cheaper than the national average to insure your vehicle in Benicia.
Keep in mind that these are the average auto insurance rates for Benicia, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Benicia residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates creep back up in Benicia.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Benicia, where women pay around $6 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $42 each month, while men pay $48 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Benicia, a driving record with a single accident will usually get you a rate around $50 a month. Similarly, drivers with one ticket will typically pay around $51 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$31|
|15 Years or Older||$46|
The most affordable vehicles to insure in Benicia are usually SUVs, which run about $44 per month.
SUV owners, on the other hand, by and large pay around $44 a month, while truck and van drivers can expect to pay about $59 per month to insure their vehicle.
The age of your vehicle 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 a few years old, you may start to see your monthly premium drop back down. In Benicia, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Benicia is no exception, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$48|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $9 a month less than homeowners in Benicia. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 overall costs.
Car Insurance Companies in Benicia, CA
Recent trends in car insurance for Benicia drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Car insurance rates in Benicia remained fairly steady, although more recently they have been trending downwards. They finished down in 2021 at $37.
How does Benicia compare to neighboring areas?
Why are car insurance rates in Benicia different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Total number of drivers in the community
- Community laws
- Off-street parking availability
- Local crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Benicia?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering plans in Benicia.
Benicia Insurance FAQs
What factors affect car insurance quotes in Benicia?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Benicia different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Benicia?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Benicia?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Benicia or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.