Carmichael, CA Car Insurance

Drivers in Carmichael pay, on average, $58 a month for their car insurance. To learn more about what you're likely to pay in the Carmichael area, read our guide below.
Are rates in Carmichael higher or lower than those in neighboring areas? How do they compare to the rest of California? What rates should residents of Carmichael expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Carmichael?

Area Average Monthly Car Insurance Premium
Carmichael$58
CA$56
United States$80

Based on the chart above, you can see that auto insurance rates in Carmichael are in line with rates across the rest of California.

Compared to the national average cost of auto insurance coverage, Carmichael has lower rates. You can expect to pay about $22 less for your policy in Carmichael than in the rest of United States.

Bear in mind that while these are the average car insurance rates for Carmichael, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Carmichael residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$56
35-44$50
45-54Not Enough Data
55-64$47
65+$51

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Carmichael drivers may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$59

In general, female drivers pay less for car insurance than their male counterparts. In Carmichael, although men do pay a bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$80
1 Ticket$71
Multiple Tickets$114

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Carmichael, a driving record with a single accident will usually get you a rate around $70 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $71.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$57
2-3 Years$79
4-5 Years$51
6-7 Years$50
8-10 Years$64
11-14 Years$60
15 Years or Older$54

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Carmichael, with drivers paying around $50 per month for auto insurance coverage.

Car owners, on the other hand, usually pay around $59 per month, while SUV drivers can expect to pay about $58 a month for auto insurance.

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 cost the most to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Carmichael, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$51
Divorced$49
Widowed$56

Generally speaking, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

The difference in rates based on relationship status in Carmichael is about $11 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$57
Live with parents$82

One other element taken into consideration is your living situation. In Carmichael, homeowners can expect to pay around $3 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Carmichael, CA

Recent trends in car insurance for Carmichael 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.

In Carmichael, auto insurance rates decreased from 2016-2017, before steadying out in 2018. Insurance rates finished down in 2021, at $52 per month

How does Carmichael compare to neighboring areas?

Why are car insurance rates in Carmichael different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • Availability of off-street parking
  • Prevalence of crime
  • Area regulations
  • Total number of drivers
  • General road safety (how many accidents each locality has)

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Carmichael?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing plans in Carmichael.

Compare the cheapest quotes from dozens of insurance companies

Carmichael Insurance FAQs

What factors affect car insurance quotes in Carmichael?

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 Carmichael different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Carmichael?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Carmichael?

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. 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 Carmichael 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?

Find your best rate in just a few minutes