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How much is car insurance in Fair Oaks?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $7 a month more expensive to insure your vehicle in Fair Oaks than it is in the rest of California.
However, when compared to the national average, the cost for auto insurance in Fair Oaks is lower. The average monthly payment in Fair Oaks is about $18 less than the rate for the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Fair Oaks and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||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 bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Fair Oaks.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Fair Oaks is around $6 per month. As illustrated in the table above, male drivers in the area pay about $66 on average, while female drivers pay around $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Fair Oaks, a driving record with one accident will usually get you a rate around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $77 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$53|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Fair Oaks, with drivers paying around $55 per month for insurance coverage.
SUV drivers will see rates of about $61 for car insurance coverage, while car owners by and large pay around $65 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Fair Oaks are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fair Oaks is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $4 less than those who own their own home in Fair Oaks. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Fair Oaks, CA
Recent trends in car insurance for Fair Oaks drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Auto insurance rates in Fair Oaks had been decreasing from 2017-2019, when they hit a low of $53. This shifted in 2020, when they began to rise again. Insurance rates finished down in 2022, at $60 per month
How does Fair Oaks compare to neighboring areas?
Why are car insurance rates in Fair Oaks different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Frequency of car accidents
- Area regulations
- Area crime rates
- Off-street parking availability
- Total amount of drivers in the area
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Fair Oaks?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Fair Oaks in no time.
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Fair Oaks Insurance FAQs
What factors affect car insurance quotes in Fair Oaks?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Fair Oaks different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Fair Oaks?
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 Fair Oaks?
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 Fair Oaks 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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