Table of contents
How much is car insurance in El Sobrante?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $10 a month cheaper to insure your vehicle in El Sobrante than it is in the rest of California.
Similarly, car insurance rates in El Sobrante are more affordable than the national average. It's about $34 cheaper than the national average to insure your vehicle in El Sobrante.
Bear in mind that while these rates represent the expected monthly payments for El Sobrante residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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.
We've done the heavy lifting for you and broken down the average rate for El Sobrante so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $33 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in El Sobrante.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, El Sobrante actually goes against the grain. While female drivers pay $48 a month to insure their vehicle, males only pay about $44.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In El Sobrante, having a single accident on your record will usually get you rates around $62 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $67.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$43|
If you look at the first table above, the cheapest vehicles to insure in El Sobrante are by and large SUVs, at $43 per month.
Truck and van drivers will see rates of about $45, while the rates for car owners average out to about $47 per month.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In El Sobrante, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
On average, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
As you can see in the table above, married couples pay about the same rate as single drivers in El Sobrante.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
Your housing status is another factor that affects your monthly rate. Those who own their own home in El Sobrante can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 Sobrante, CA
Recent trends in car insurance for El Sobrante drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for auto insurance in El Sobrante increased from 2016-2018, when they reached a high of $55. This shifted in 2019, when they began to decrease again. They finished up in 2021, at $42 a month
How does El Sobrante compare to neighboring areas?
Why are car insurance rates in El Sobrante different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of off-street parking
- General road safety (how many accidents each locality has)
- Community regulations
- Area crime rates
- Number of drivers
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 El Sobrante?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in El Sobrante.
El Sobrante Insurance FAQs
What factors affect car insurance quotes in El Sobrante?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in El Sobrante different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Sobrante?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to El Sobrante?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 El Sobrante 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.