Table of contents
How much is car insurance in Daly City?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Daly City as it is in the rest of California.
Conversely, the expected monthly payments for an auto insurance policy in Daly City are below the national average. The average monthly payment for the United States as a whole is about $22 more expensive than in Daly City.
While these are the average costs to insure your vehicle in Daly City, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Daly City to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Daly City.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Daly City totals about $7 per month. As you can see in the table above, male drivers in the area typically pay $60 on average, while female drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay less than those with accidents or violations. In Daly City, a driving record with one accident will usually get you a rate around $72 a month. Similarly, drivers with one ticket will typically pay around $72 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||$62|
|15 Years or Older||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Daly City are usually SUVs, at $53 per month.
Car owners will see rates of about $59, while truck and van owners by and large pay around $56 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. 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|
Overall, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Daly City.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Daly City. But those who live at home with their parents can expect to pay significantly more.
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 Daly City, CA
Recent trends in car insurance for Daly City drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Daly City, the rates for auto insurance went up from 2016-2017, when they hit a high of $70. This pattern leveled out in 2020, when they began to decrease, and have continued moving in that direction through 2021, when car insurance rates reached a low of $49 per month.
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 an insurance policy, car insurance companies will evaluate a lot of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Access to off-street parking
- Road Safety (frequency of car accidents)
- Rate of crime
- Local laws
- Total number of drivers
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 Daly City?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Daly City.
Daly City Insurance FAQs
What factors affect car insurance quotes in Daly City?
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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Daly City 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 Daly City?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Daly City?
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. 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?