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How much is car insurance in Campbell?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $8 a month cheaper to insure your vehicle in Campbell than it is in the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Campbell is rather affordable. Auto insurance coverage in Campbell is about $32 cheaper than it is for the rest of the United States.
Although these are the average car insurance rates in Campbell, 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 get your vehicle insured. 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 policy payment.
But don't worry, we've broken down the average rates for Campbell residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply 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|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $24 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up a bit in Campbell.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly auto insurance coverage, the difference in Campbell is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Campbell with a single accident will pay around $49 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $58.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$50|
If you look at the first table above, the cheapest vehicles to insure in Campbell are usually SUVs, at $43 per month.
Car owners can expect to pay an average of around $49 a month for their policy, while truck and van drivers are usually around $47 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Campbell, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Campbell follows that pattern, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $6 a month more than those who own their own home in Campbell. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Campbell, CA
Recent trends in car insurance for Campbell 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 Campbell, the rates for car insurance increased from 2016-2017, before steadying out in 2018. Car insurance rates finished up in 2021, at $46 a month
How does Campbell compare to neighboring areas?
Why are car insurance rates in Campbell different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the area
- Crime rates
- Community regulations
- Road Safety (how many accidents each locality has)
- Access to off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Campbell?
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 will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Campbell.
Campbell Insurance FAQs
What factors affect car insurance quotes in Campbell?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Campbell different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Campbell?
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 Campbell?
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 Campbell 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.