Davis, CA Car Insurance

Compared to their surrounding area, how do rates in Davis stack up? What about against the rest of California? What rates can residents of Davis expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Davis?

Car insurance coverage in Davis is about $6 cheaper than it is in the rest of California.

Compared to the national average cost of auto insurance coverage, Davis has lower rates. Car insurance rates for the United States as a whole are, on average, $31 more expensive than the rates you'd pay in Davis.

While these numbers are the average rates for auto insurance in Davis, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.

But don't worry, we've broken down the average rate for Davis residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $31 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up in Davis.

Average Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Davis, the difference is around $5 per month. As you can see in the table above, female drivers in the area typically pay $47 on average, while female drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Davis with a single accident will pay around $47 a month. In addition, drivers with one ticket can expect to pay around $52 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Davis are typically trucks and vans, with each type typically costing about $40 per month.

SUV drivers will see rates of about $48 for car insurance, while car owners by and large pay around $52 a month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Davis, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

More often than not, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Davis follows that pattern, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. Renters can expect to pay around $12 a month more than those who own their own home in Davis. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

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 car insurance in Davis have been steadily decreasing, reaching a low of $42 in 2022.

How does Davis compare to neighboring areas?

Why are car insurance rates in Davis different from other areas?

There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

• Community regulations
• Total number of drivers in the region
• Off-street parking accessibility
• Road Safety (total number of local car accidents)
• Rate of crime

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Davis?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Davis.

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Davis Insurance FAQs

What factors affect car insurance quotes in Davis?

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

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Davis?

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 Davis?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Davis or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.