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How much is car insurance in Daly City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Daly City are in line with rates across the rest of California.
On the other hand, the expected monthly payments for an auto insurance policy in Daly City are below the national average. You can expect to pay about $23 below the national average for auto insurance in Daly City.
While these are the average car insurance rates for Daly City, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for Daly City to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, 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 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Daly City drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Daly City is around $4 a month. Based on the chart above, you can see that male drivers pay $59 on average, while female drivers typically pay $55 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Daly City, drivers with one accident on their record will experience rates around $69 a month. In addition, drivers with a single ticket on their record can expect to pay around $72 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$53|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Daly City, with drivers paying around $54 per month for auto insurance.
Truck and van drivers will see rates of about $55, while the rates for car owners average out to about $59 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. 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 monthly premium drop back down. In Daly City, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
On average, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Daly City are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Daly City, expect to pay around $3 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Daly City, CA
Recent trends in car insurance for Daly 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.
Car insurance rates in Daly City have been steadily decreasing, reaching a low of $54 in 2022.
How does Daly City compare to neighboring areas?
Why are car insurance rates in Daly City different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Rate of car accidents
- Local laws
- Total drivers
- Regional crime rates
- Off-street parking accessibility
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Daly City?
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.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Daly City.
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Daly City Insurance FAQs
What factors affect car insurance quotes in Daly City?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Daly City different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, 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 Daly City?
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 Daly City?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Daly City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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