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How much is car insurance in Emeryville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Emeryville than it is in the rest of California.
Similarly, the expected monthly payments for an auto insurance policy in Emeryville are below the national average. You can expect to pay about $31 less for your policy in Emeryville than in the rest of U.S.
Although these are the average car insurance rates in Emeryville, you could end up paying something different. 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 worry, we've done the work for you and broken down average rates for Emeryville to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Emeryville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for insurance coverage in Emeryville, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Emeryville, a driving record with one accident will usually get you a rate around $53 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $62.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$48|
According to the first table above, the cheapest vehicles to insure in Emeryville are by and large trucks and vans, at $42 per month.
Car owners can expect to pay an average of around $51 a month for their policy, while SUVs usually cost around $48 a month to insure.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Emeryville, 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)||$51|
Generally, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Emeryville can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
One other element taken into consideration is your living situation. In Emeryville, homeowners can expect to pay around $4 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Emeryville, CA
Recent trends in car insurance for Emeryville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The rates for car insurance in Emeryville declined from 2017-2018, before leveling out in 2019. They finished up in 2022, at $49 a month
How does Emeryville compare to neighboring areas?
Why are car insurance rates in Emeryville different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Frequency of car accidents
- Community regulations
- Off-street parking accessibility
- Total number of drivers in the area
- Regional crime rates
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Emeryville?
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.
Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Emeryville.
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Emeryville Insurance FAQs
What factors affect car insurance quotes in Emeryville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Emeryville different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Emeryville?
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 Emeryville?
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?
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 Emeryville 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.
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