El Cerrito, CA Car Insurance

Residents of El Cerrito pay, on average, about $51 per month for car insurance. For more information refer to our guide below.
Are rates in El Cerrito higher or lower than those in neighboring areas? How do they compare to the rest of California? What rates should residents of El Cerrito expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in El Cerrito?

Area Average Monthly Car Insurance Premium
El Cerrito$51
CA$56
United States$80

According to the chart above, the average cost of auto insurance in California is about $5 a month more expensive than it is in El Cerrito.

Likewise, car insurance rates in El Cerrito are more affordable than the national average. The average monthly payment for the United States as a whole is about $29 more expensive than in El Cerrito.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

Don't sweat it however, we've broken down the average rate for El Cerrito residents based on several different factors so that you can get a more accurate idea of what you might pay. 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$73
25-34$46
35-44$43
45-54Not Enough Data
55-64$39
65+$34

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may rise again in El Cerrito.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$49

In general, female drivers pay less for car insurance than their male counterparts. In El Cerrito, this difference shakes out to about $4 per month. Based on the chart above, you can see that female drivers pay around $49 on average, while male drivers typically pay $53 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$59
Multiple Accidents$38
1 Ticket$99
Multiple Tickets$42

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In El Cerrito, having a single accident on your record will usually get you rates around $59 a month. Likewise, drivers with one ticket will be looking at a rate of around $99 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$40
4-5 Years$52
6-7 Years$39
8-10 Years$58
11-14 Years$54
15 Years or Older$50

The cheapest vehicles to insure in El Cerrito are typically trucks and vans, with each type typically costing about $34 per month.

Car owners can expect to pay an average of around $51 a month for their policy, while SUVs usually cost around $55 a month to insure.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In El Cerrito, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$52
Divorced$73

Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in El Cerrito.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$54
Live with parents$67

Another factor that comes into play is your living situation. In El Cerrito, homeowners can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in El Cerrito, CA

Recent trends in car insurance for El Cerrito drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In El Cerrito, car insurance rates declined from 2016-2017, before steadying out in 2018. Policy premiums finished down in 2021, at $44 a month

How does El Cerrito compare to neighboring areas?

Why are car insurance rates in El Cerrito different from other areas?

Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Local laws
  • Rate of crime
  • Availability of off-street parking
  • Number of drivers in the region
  • Road Safety (frequency of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 El Cerrito?

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.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in El Cerrito.

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El Cerrito Insurance FAQs

What factors affect car insurance quotes in El Cerrito?

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, address, and marital status.

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

Parking situations, crime rates, and local laws -- 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 El Cerrito?

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 El Cerrito?

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 El Cerrito 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?

Find your best rate in just a few minutes