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How much is car insurance in Eureka?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Eureka is about $15 cheaper than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Eureka. On average, it's about $39 less to insure your vehicle in Eureka than it is in the rest of the United States.
These may be the average auto insurance rates for Eureka, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Eureka residents based on several different factors 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 Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay about $18 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to increase again in Eureka.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly auto insurance coverage, the difference in Eureka is only about $3 per 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 lower rates than those with accidents or violations. Drivers in Eureka with a single accident will pay around $45 a month. In addition, drivers with a single ticket on their record can expect to pay around $81 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$37|
According to the first table above, the cheapest vehicles to insure in Eureka are typically trucks and vans, at $38 per month.
Car owners will see a monthly bill of about $42, while SUV owners by and large pay around $41 a month.
In addition to vehicle type, 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. However, your rates may start to decrease if your car is a few years old. In Eureka, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$41|
Generally, those who are currently married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Eureka, with married couples paying about $7 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $2 a month more than those who own their own home in Eureka. But if you live with your parents, you can expect to pay a lot more.
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 Eureka, CA
Recent trends in car insurance for Eureka 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 Eureka dropped from 2016-2017, but started to rise from 2018-2019, when they hit a high of $50. Rates finished up in 2021, at $42 per month.
How does Eureka compare to neighboring areas?
Why are car insurance rates in Eureka different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers
- Amount of off-street parking
- Community regulations
- Number of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Eureka?
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 will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Eureka.
Eureka Insurance FAQs
What factors affect car insurance quotes in Eureka?
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, address, credit score, and marital status.
Why is the cost of car insurance in Eureka 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Eureka?
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 Eureka?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Eureka or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.