Table of contents
How much is car insurance in Davis?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Davis is about $5 a month cheaper.
Likewise, car insurance rates in Davis are often favorable when viewed against the rest of the country. Auto insurance coverage in Davis is about $29 cheaper than it is for the rest of the United States.
Although these are the average monthly costs for an auto insurance policy in Davis, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Davis and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $34 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up a bit in Davis.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Davis, the difference comes out to about $4 per month. As illustrated in the table above, female drivers in the area pay about $48 on average, while male drivers pay around $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Davis, a driving record with a single accident will usually get you a rate around $47 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $59.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$45|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Davis, with drivers paying around $39 per month to insure their vehicle.
SUV drivers will see rates of about $46, while the rates for car owners average out to about $53 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Davis, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Davis, with married couples paying about $12 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$47|
Another factor that comes into play is your housing status. If you rent your home or apartment in Davis, expect to pay around $14 a month more than if you own property. 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 overall costs.
Car Insurance Companies in Davis, CA
Recent trends in car insurance for Davis 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.
The rates for auto insurance in Davis went up from 2016-2017, when they hit a high of $72. This pattern changed in 2020, when they began to decrease, and have continued on that path through 2021, when policy premiums reached a low of $45 per month.
How does Davis compare to neighboring areas?
Why are car insurance rates in Davis different from other areas?
There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Regional laws
- Regional crime rates
- Road Safety (frequency of car accidents)
- Total number of drivers in the region
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Davis?
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.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Davis.
Davis Insurance FAQs
What factors affect car insurance quotes in Davis?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Davis different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Davis?
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 Davis?
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 Davis or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?