Cool, CA Car Insurance

On average, drivers in Cool pay around $48 per month for their car insurance. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

How much can residents of Cool expect to pay for their car insurance? How does Cool stack up to the rest of the area, or even California as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Cool?

Area Average Monthly Car Insurance Premium
Cool$48
CA$56
United States$81

Car insurance coverage in Cool is about $8 cheaper than it is in the rest of California.

Similarly, when compared to the national average, the cost for auto insurance in Cool is lower. It's about $33 cheaper than the national average to insure your vehicle in Cool.

While these numbers represent the average monthly payments for coverage in Cool, 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 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 Cool so that you can get a more accurate idea of what your monthly bill might be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!


Find your best rate in just a few minutes


Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$67
25-34$48
35-44$31
45-54$50
55-64$34
65+$25

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Cool.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$47

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 premiums, the difference in Cool is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$44
Multiple AccidentsNot Enough Data
1 Ticket$54
Multiple Tickets$44

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Cool with a single accident on their record is about $44 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $54 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$50
2-3 Years$27
4-5 YearsNot Enough Data
6-7 Years$34
8-10 Years$72
11-14 Years$47
15 Years or Older$50

According to the first table above, SUVs are typically the cheapest vehicles to insure in Cool, with drivers paying around $41 per month for insurance coverage.

Car owners will see rates of about $55, while truck and van owners by and large pay around $44 per month.

Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Cool are vehicles eight-to-ten years old and less than or equal to one-year-old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$45
Divorced$25

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Cool is no exception, with the difference totaling to around $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$50
Live with parents$50

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Cool. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 car insurance costs.

Car Insurance Companies in Cool, CA

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The cost of car insurance coverage in Cool rose from 2015-2017, when they reached a low of $27. This leveled out in 2018, when policy premiums began to increase. They hit a high of $64 in 2019, and finished down in 2021, at $44 a month.

How does Cool compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Local laws
  • Availability of off-street parking
  • Road Safety (frequency of local car accidents)
  • Amount of drivers in the area
  • Regional crime rates

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Cool?

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.

Don't worry, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Cool.


Find your best rate in just a few minutes


Cool Insurance FAQs

What factors affect car insurance quotes in Cool?

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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Cool 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 Cool?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Cool?

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. 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 Cool 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?

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes