Table of contents
How much is car insurance in Camarillo?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $5 a month cheaper to insure your vehicle in Camarillo than it is in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Camarillo are below the national average. Car insurance rates for the United States as a whole are, on average, $29 more expensive than the rates you'd pay in Camarillo.
Although these are the average car insurance rates in 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 for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Camarillo so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $25 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Camarillo.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Camarillo, the difference is around $9 per month. As illustrated in the table above, female drivers in the area pay about $46 on average, while male drivers pay around $55 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Camarillo with one accident will pay around $59 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $55.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$48|
In terms of affordable coverage, the cheapest vehicles to insure in Camarillo are typically trucks and vans, at $43 per month.
Car owners can expect to pay an average of around $52 a month for their policy, while SUVs usually cost around $51 a month to insure.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Camarillo are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Camarillo is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your housing status is another factor that affects your monthly rate. Those who own their own home in Camarillo can expect to pay around $11 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 Camarillo, CA
Recent trends in car insurance for Camarillo drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
Car insurance rates in Camarillo have been mixed as of late, they rose in 2016, dropped in 2018, and increased again in 2020, before finishing at $82 in 2021.
How does Camarillo compare to neighboring areas?
Why are car insurance rates in Camarillo different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking availability
- Rate of car accidents
- Total amount of drivers in the area
- Regional regulations
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 Camarillo?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering coverage in Camarillo.
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 gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Camarillo different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Camarillo?
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 Camarillo?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Camarillo 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.