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How much is car insurance in Burlingame?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in California is about $7 a month more expensive than it is in Burlingame.
Compared to the national average cost of auto insurance coverage, Burlingame has lower rates. Auto insurance coverage in Burlingame is about $32 cheaper than it is for the rest of the U.S.
Although these are the average rates for auto insurance in Burlingame, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for 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.
But don't worry, we've broken down average rates for Burlingame 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 for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates begin to go back up in Burlingame.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Burlingame, male drivers pay about $10 more a month. As you can see in the table above, female drivers in the area typically pay $43 on average, while female drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Burlingame, having a single accident on your record will usually get you rates around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $54.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$55|
If you look at the first table above, the cheapest vehicles to insure in Burlingame are usually cars, at $47 per month.
Truck and van drivers will see rates of about $62 for auto insurance coverage, while SUV owners by and large pay around $56 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Burlingame are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Burlingame is about $4 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $7 a month less than homeowners in Burlingame. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Burlingame, CA
Recent trends in car insurance for Burlingame drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Car insurance rates in Burlingame declined from 2017-2019, before leveling out in 2020. They finished up in 2022, at $46 a month
How does Burlingame compare to neighboring areas?
Why are car insurance rates in Burlingame different from other areas?
Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Number of drivers in the region
- Area regulations
- Off-street parking accessibility
- Road safety
A decent level of familiarity with these factors can be helpful when you're ready to purchase of 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 Burlingame?
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 will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Burlingame.
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Burlingame Insurance FAQs
What factors affect car insurance quotes in Burlingame?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Burlingame 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, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Burlingame?
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 Burlingame?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Burlingame 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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