Fair Oaks, CA Car Insurance

The average monthly cost for car insurance in Fair Oaks is about $64. We cover plan rates, policies and more in our guide below.
What should residents of Fair Oaks expect to pay for their car insurance? Compared to their surrounding area, how do rates in Fair Oaks stack up? What about against the rest of California? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Fair Oaks?

Area Average Monthly Car Insurance Premium
Fair Oaks$64
CA$56
United States$80

Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Fair Oaks 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 Fair Oaks is rather affordable. Auto insurance coverage in Fair Oaks is about $16 cheaper than it is for the rest of the U.S.

While these are the average car insurance rates for Fair Oaks, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down the average rates for Fair Oaks to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$56
35-44$56
45-54$56
55-64$46
65+$50

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 car insurance premiums. As you can see, 18-24-year-olds pay $40 more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Fair Oaks drivers may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$60

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Fair Oaks, male drivers pay about $7 more a month. As illustrated in the table above, male drivers in the area pay about $67 on average, while female drivers pay around $60 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$82
Multiple Accidents$95
1 Ticket$96
Multiple Tickets$92

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Fair Oaks with a single accident on their record will usually see rates around $82 a month. Likewise, drivers with one ticket will be looking at a rate of around $96 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$59
2-3 Years$54
4-5 Years$80
6-7 Years$62
8-10 Years$71
11-14 Years$71
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 $56 per month for auto insurance coverage.

Car owners will see a monthly premium of about $66, while SUV owners typically pay around $60 per month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Fair Oaks, 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)$68
Married$59
Divorced$53
Widowed$53

More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Fair Oaks is about $9 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$63
Rent$60
Live with parents$77

Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $3 a month less than drivers who own property in Fair Oaks. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Fair Oaks, CA

Recent trends in car insurance for Fair Oaks drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The rates for auto insurance in Fair Oaks have been mixed as of late, they increased in 2016, declined in 2018, and rose again in 2020, before finishing at $87 in 2021.

How does Fair Oaks compare to neighboring areas?

Why are car insurance rates in Fair Oaks different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Regional laws
  • Regional crime rates
  • Off-street parking availability
  • Road Safety (how many accidents each locality has)
  • Total drivers

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Fair Oaks?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Fair Oaks in no time.

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Fair Oaks Insurance FAQs

What factors affect car insurance quotes in Fair Oaks?

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, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Fair Oaks 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, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Fair Oaks?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Fair Oaks or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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