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How much is car insurance in El Dorado Hills?
|Area||Average Monthly Car Insurance Premium|
|El Dorado Hills||$59|
According to the chart above, the rates you'll pay for coverage in El Dorado Hills are on par with what you would pay anywhere else in California.
Drivers relocating from out of state may enjoy some cost savings in El Dorado Hills. The average monthly payment in El Dorado Hills is about $22 cheaper than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in El Dorado Hills, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've broken down average rates for El Dorado Hills to help you understand what your policy's monthly premium will cost. 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 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in El Dorado Hills.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This rings true in El Dorado Hills, where women pay around $15 less per month than men. As you can see in the table above, male drivers in the area typically pay $66 on average, while female drivers typically pay $51 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in El Dorado Hills with a single accident will pay around $75 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$57|
The most affordable vehicles to insure in El Dorado Hills are usually cars, which run about $58 per month.
SUV owners will see rates of about $64, while truck and van owners typically pay around $59 per month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In El Dorado Hills, 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)||$63|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. El Dorado Hills follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $14 less than homeowners in El Dorado Hills. Those who live with their parents, however, can expect to pay a lot more.
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 car insurance premiums.
Car Insurance Companies in El Dorado Hills, CA
Recent trends in car insurance for El Dorado Hills 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 cost of insurance in El Dorado Hills declined from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $48 a 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 consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Number of drivers in the region
- Road Safety (how many accidents each locality has)
- Availability of off-street parking
- Local laws
- 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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in El Dorado Hills?
While getting familiar with 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.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in El Dorado Hills.
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El Dorado Hills Insurance FAQs
What factors affect car insurance quotes in El Dorado Hills?
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, address, credit score, and marital status.
Why is the cost of car insurance in El Dorado Hills different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in El Dorado Hills?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Dorado Hills?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 El Dorado Hills or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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