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How much is car insurance in Crescent City?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $19 a month cheaper to insure your vehicle in Crescent City than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Crescent City. The average monthly payment in Crescent City is about $44 cheaper than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Crescent City, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't worry, we've done the work for you and broken down the average rates for Crescent City to help you understand what your monthly premium might be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $9 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates start to rise again once you hit retirement in Crescent City.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Crescent City, male drivers pay about $5 more a month. As you can see in the table above, male drivers in the area typically pay $40 on average, while female drivers typically pay $35 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Crescent City with one accident will pay around $51 a month. Likewise, drivers with one ticket will be looking at a rate of around $44 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$32|
|15 Years or Older||$33|
In Crescent City, the cheapest vehicles to insure are usually SUVs, with drivers paying around $34 per month for insurance coverage.
Truck and van drivers will see rates of about $36 for insurance coverage, while car owners typically pay around $38 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Crescent City are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$39|
On average, people who are married will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Crescent City, with married couples paying about $6 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$44|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $2 a month more than homeowners in Crescent City. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Crescent City, CA
Recent trends in car insurance for Crescent City 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 Crescent City, car insurance rates decreased from 2017-2018, where they reached a high of $45, before leveling out in 2019. Rates had been increasing again in 2020, and finished down at $35 in 2022.
How does Crescent City compare to neighboring areas?
Why are car insurance rates in Crescent City different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Rate of crime
- Road Safety (total number of local car accidents)
- Access to off-street parking
- Local regulations
- Total number of drivers in the community
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Crescent City?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Crescent City.
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Crescent City Insurance FAQs
What factors affect car insurance quotes in Crescent City?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Crescent City 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 Crescent City?
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 Crescent City?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Crescent City 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?
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