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How much is car insurance in Brentwood?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $4 a month more expensive to insure your vehicle in Brentwood than it is in the rest of California.
On the flip side, car insurance rates in Brentwood are often favorable when viewed against the rest of the country. It's about $21 cheaper than the national average to insure your vehicle in Brentwood.
While these are the average car insurance rates for Brentwood, you could end up paying something different. 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.
We've analyzed the average rate for Brentwood and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in 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, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $30 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates start to rise again in Brentwood.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Brentwood totals about $9 per month. Based on the chart above, you can see that female drivers pay around $55 on average, while male drivers typically pay $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Brentwood with a single accident will pay around $70 a month. Similarly, drivers with one ticket will typically pay around $74 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$56|
In terms of affordable coverage, the cheapest vehicles to insure in Brentwood are by and large SUVs, at $51 per month.
Car owners will see rates of about $62, while truck and van owners usually pay around $64 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is close to 5 years old. The most expensive vehicles to insure in Brentwood are vehicles less than or equal to one-year-old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Brentwood is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Brentwood, expect to pay around $4 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Brentwood, CA
Recent trends in car insurance for Brentwood 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.
In Brentwood, car insurance rates declined from 2017-2020, before steadying out in 2021. Policy premiums finished down in 2022, at $43 per month
How does Brentwood compare to neighboring areas?
Why are car insurance rates in Brentwood different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of drivers in the community
- Road Safety (frequency of local car accidents)
- Area crime rates
- Availability of off-street parking
- Regional regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Brentwood?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Brentwood.
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Brentwood Insurance FAQs
What factors affect car insurance quotes in Brentwood?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Brentwood different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Brentwood?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Brentwood?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Brentwood or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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