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How much is car insurance in El Sobrante?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in El Sobrante than it is in the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in El Sobrante is rather affordable. Auto insurance coverage in El Sobrante is about $35 cheaper than it is for the rest of the United States.
While these numbers are the average rates for auto insurance in El Sobrante, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
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 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
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $35 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to go back up in El Sobrante.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in El Sobrante, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In El Sobrante, drivers with one accident on their record will experience rates around $64 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $57.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$44|
In terms of affordable coverage, the cheapest vehicles to insure in El Sobrante are usually SUVs, at $42 per month.
Truck and van drivers will see rates of about $43 to insure their car, while car owners by and large pay around $47 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. 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)||$47|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
Despite the national trend of married drivers saving more than single drivers, the rates for both in El Sobrante are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in El Sobrante. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in El Sobrante, CA
Recent trends in car insurance for El Sobrante drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of car insurance coverage in El Sobrante have been mixed as of late, it rose in 2017, fell in 2019, and increased again in 2021, before finishing at $50 in 2022.
How does El Sobrante compare to neighboring areas?
Why are car insurance rates in El Sobrante different from other areas?
Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Road Safety (frequency of local car accidents)
- Local crime rates
- Total number of drivers in the area
- Access to off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Sobrante?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in El Sobrante.
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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 you can't control like your gender and age 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?
Crime rates, parking situations, 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 Sobrante?
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 Sobrante?
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. 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 Sobrante 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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