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How much is car insurance in Benicia?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Benicia is about $10 cheaper than it is in the rest of California.
Likewise, car insurance rates in Benicia are often favorable when viewed against the rest of the country. The average monthly payment in Benicia is about $35 cheaper than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Benicia, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Benicia so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Benicia.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Benicia totals about $5 per month. As illustrated in the table above, male drivers in the area pay about $48 on average, while female drivers pay around $43 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Benicia with a single accident on their record will usually see rates around $50 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $54.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$31|
|15 Years or Older||$47|
The most affordable vehicles to insure in Benicia are typically SUVs, which run about $42 per month.
Car owners will see rates of about $43, while truck and van owners by and large pay around $85 a month.
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. Once your car is close to 5 years old, however, your monthly bill may start to dip 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)||$46|
The cost of auto insurance in Benicia reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$51|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 less than those who own their own home in Benicia. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Benicia, CA
Recent trends in car insurance for Benicia drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance in Benicia have been mixed as of late, it rose in 2017, decreased in 2019, and increased again in 2021, before finishing at $58 in 2022.
How does Benicia compare to neighboring areas?
Why are car insurance rates in Benicia different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Amount of off-street parking
- Amount of drivers in the area
- Frequency of car accidents
- Prevalence of crime
- Area regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 Benicia?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Benicia.
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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 gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Benicia different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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.
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