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How much is car insurance in Camarillo?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Camarillo is about $6 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Camarillo is rather affordable. On average, it's about $31 less to insure your vehicle in Camarillo than it is in the rest of the U.S.
While these are the average car insurance rates for Camarillo, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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 Camarillo and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $25 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up a bit in Camarillo.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Camarillo is around $6 a month. As you can see in the table above, male drivers in the area typically pay $53 on average, while female drivers typically pay $47 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Camarillo with a single accident on their record will usually see rates around $56 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $60.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$49|
|15 Years or Older||$47|
In terms of affordable coverage, the cheapest vehicles to insure in Camarillo are by and large trucks and vans, at $47 per month.
Car owners will see a monthly bill of about $51, while SUV owners typically pay around $50 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Camarillo, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Camarillo reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Camarillo. 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 car insurance premiums, depending on your insurance company.
Car Insurance Companies in Camarillo, CA
Recent trends in car insurance for Camarillo 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 deciding when and where to shop.
Car insurance rates in Camarillo dropped from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $48.
How does Camarillo compare to neighboring areas?
Why are car insurance rates in Camarillo different from other areas?
Car insurance companies will take into account several factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking accessibility
- Prevalence of crime
- Number of car accidents
- Regional regulations
- Total number of drivers in the area
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Camarillo?
While knowing 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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Camarillo.
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Camarillo Insurance FAQs
What factors affect car insurance quotes in Camarillo?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Camarillo 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Camarillo?
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 Camarillo?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Camarillo or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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