Cool, CA Car Insurance

Cool drivers pay, on average, around $48 a month for their car insurance. Read our guide below to learn more about your specific rates.
Compared to their surrounding area, how do rates in Cool stack up? What about against the rest of California? What rates can residents of Cool 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 Cool?

Area Average Monthly Car Insurance Premium
Cool$48
CA$56
United States$80

Based on the chart above, you can see that coverage in Cool typically costs about $8 a month less than it does in the rest of California.

Likewise, car insurance rates in Cool are more affordable than the national average. The average monthly payment for the United States as a whole is about $32 more expensive than in Cool.

These rates may be the average amount residents of Cool pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill 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 sweat it however, we've broken down average rates for Cool residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, 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$67
25-34$48
35-44$31
45-54Not Enough Data
55-64$34
65+$25

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Cool drivers may see their rates begin to increase again once they hit retirement age.

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. The price for insurance coverage in Cool, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

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

Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Cool, a driving record with a single accident will usually get you a rate around $44 a month.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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 usually the cheapest vehicles to insure in Cool, with drivers paying around $41 per month for insurance coverage.

Truck and van drivers will see rates of about $44 for auto insurance, while car owners typically pay around $55 per month.

The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. 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

More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Cool as well, where the difference is 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 accommodations. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Cool. But if you live with your parents, you can expect to pay a lot more.

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 premiums.

Car Insurance Companies in Cool, CA

Recent trends in car insurance for Cool drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

The cost of auto insurance in Cool rose from 2015-2017, when they hit a low of $27. This shifted in 2018, when rates started to rise. They reached 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?

Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Local crime rates
  • Availability of off-street parking
  • Area laws
  • Total number of drivers in the area
  • Road safety

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Cool?

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 wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Cool.

Compare the cheapest quotes from dozens of insurance companies

Cool Insurance FAQs

What factors affect car insurance quotes in Cool?

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 credit score, driving record, marital status, and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, 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 Cool?

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 Cool?

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 Cool 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.

Find your best rate in just a few minutes