Clearlake, CA Car Insurance

On average, Clearlake drivers pay a monthly average rate of around $40 for their car insurance. For more information refer to our guide below.
What can Clearlake residents expect to pay for their car insurance? How do rates in Clearlake measure up compared to neighboring areas, including California as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Clearlake?

Area Average Monthly Car Insurance Premium
Clearlake$40
CA$56
United States$80

Compared to the rest of the California, coverage in Clearlake is about $16 a month cheaper.

Drivers relocating from out of state may enjoy some cost savings in Clearlake. On average, it's about $40 less to insure your vehicle in Clearlake than it is in the rest of the U.S.

While these numbers are the average rates for auto insurance in Clearlake, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down average rates for Clearlake to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP 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$63
25-34$37
35-44$31
45-54$35
55-64$36
65+$33

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Clearlake drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$43
Female$37

Female drivers pay, on average, slightly less than their male counterparts. This is true in Clearlake, where women pay around $6 less a month. Looking at the table above, you can see that female drivers pay around $37 on average, while male drivers typically pay $43 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$52
Multiple Accidents$78
1 TicketNot Enough Data
Multiple Tickets$43

Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Clearlake, a driving record with one accident will usually get you a rate around $52 a month.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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 YearNot Enough Data
2-3 Years$44
4-5 Years$31
6-7 Years$56
8-10 Years$42
11-14 Years$37
15 Years or Older$39

As you can see in the first table above, the cheapest vehicles to insure in Clearlake are typically SUVs, which run about $37 per month.

SUV owners, on the other hand, usually pay around $37 per month, while truck and van drivers can expect to pay about $46 a month to insure their vehicle.

Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Clearlake are vehicles six-to-seven years old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$42
Married$36
Divorced$36
Widowed$37

Generally speaking, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Clearlake as well, where the difference is around $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$36
Rent$39
Live with parents$73

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Clearlake. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Clearlake, CA

Recent trends in car insurance for Clearlake 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 Clearlake, the rates for auto insurance increased from 2016-2017, but leveled out in 2020. Rates have been decreasing since then and recently reached a low of $31 per month in 2021.

How does Clearlake compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Amount of drivers in the community
  • Road Safety (frequency of local car accidents)
  • Regional laws
  • Local crime rates
  • 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. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Clearlake?

Equipping 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.

Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer policies in Clearlake.

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Clearlake Insurance FAQs

What factors affect car insurance quotes in Clearlake?

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, address, and marital status.

Why is the cost of car insurance in Clearlake different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Clearlake?

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 Clearlake?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Clearlake 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.

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