El Dorado Hills, CA Car Insurance

Residents of El Dorado Hills pay around $60 monthly for their car insurance coverage. We cover plan rates, policies and more in our guide below.
What rates can residents of El Dorado Hills expect to pay for their car insurance? Compared to their surrounding area, how do rates in El Dorado Hills stack up? What about against the rest of California? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in El Dorado Hills?

Area Average Monthly Car Insurance Premium
El Dorado Hills$60
CA$56
United States$80

As you can see, car insurance policies across the rest of California are about $4 a month cheaper than the rates drivers pay in El Dorado Hills.

Compared to the national average cost of auto insurance coverage, El Dorado Hills has lower rates. Car insurance rates for the United States as a whole are, on average, $20 more expensive than the rates you'd pay in El Dorado Hills.

While these are the average car insurance rates for El Dorado Hills, keep in mind that you could end up paying a different amount. The monthly rate that insurance companies end up charging you is determined by a variety 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 the bill you'll see each month.

But don't worry, we've broken down the average rate for El Dorado Hills 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 overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$79
25-34$48
35-44$44
45-54Not Enough Data
55-64$46
65+$47

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. El Dorado Hills drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$51

In general, car insurance rates for women are usually cheaper than they are for men. This is true in El Dorado Hills, where male drivers pay about $16 more per month. Looking at the table above, you can see that female drivers pay around $51 on average, while male drivers typically pay $67 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$76
Multiple Accidents$92
1 Ticket$82
Multiple Tickets$92

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In El Dorado Hills, a driving record with a single accident will usually get you a rate around $76 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$55
4-5 Years$57
6-7 Years$66
8-10 Years$78
11-14 Years$51
15 Years or Older$58

According to the first table above, the cheapest vehicles to insure in El Dorado Hills are usually cars, at $59 per month.

Truck and van drivers will see rates of about $64, while the rates for SUV owners average out to about $65 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In El Dorado Hills, 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)$65
Married$54
Divorced$39
Widowed$52

Overall, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. El Dorado Hills is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$65
Rent$50
Live with parents$84

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $15 less than homeowners in El Dorado Hills. But if you live with your parents, your rates will be significantly higher.

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

Car Insurance Companies in El Dorado Hills, CA

Recent trends in car insurance for El Dorado Hills drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

Car insurance rates in El Dorado Hills had been increasing from 2016-2017, before steadying out in 2018. They finished up in 2021, at $64 per month

How does El Dorado Hills compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Off-street parking access
  • Number of drivers in the area
  • Regional laws
  • Road Safety (total number of local car accidents)
  • Regional crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in El Dorado Hills?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in El Dorado Hills.

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El Dorado Hills Insurance FAQs

What factors affect car insurance quotes in El Dorado Hills?

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 gender and age, as well as your driving record, credit score, address, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in El Dorado Hills?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to El Dorado Hills?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to El Dorado Hills or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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