Fallbrook, CA Car Insurance

On average, drivers in Fallbrook pay around $52 per month for their car insurance. To learn more about car insurance rates in the Fallbrook area, read our guide below.
What should residents of Fallbrook expect to pay for their car insurance? Compared to their surrounding area, how do rates in Fallbrook 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 Fallbrook?

Area Average Monthly Car Insurance Premium
Fallbrook$52
CA$56
United States$80

Car insurance coverage in Fallbrook is about $4 cheaper than it is in the rest of California.

When stacked up against the national average, the average monthly policy payment for Fallbrook is more affordable. It's about $28 cheaper to insure your vehicle in Fallbrook compared to the average rate for the U.S. as a whole.

Bear in mind that while these rates are the average costs for drivers in Fallbrook, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety 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 payment amount.

Don't sweat it however, we've broken down average rates for Fallbrook residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$75
25-34$51
35-44$42
45-54$43
55-64$38
65+$44

Generally, the older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in Fallbrook.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$55

Although women typically pay less than men do for auto insurance, this is not the case in Fallbrook, where female drivers pay around $55 per month while male drivers pay about $48.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$52
1 Ticket$112
Multiple Tickets$63

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Fallbrook with a single accident on their record will usually see rates around $94 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $112 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$70
2-3 Years$47
4-5 Years$48
6-7 Years$44
8-10 Years$52
11-14 Years$63
15 Years or Older$44

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Fallbrook, with drivers paying around $42 per month for auto insurance coverage.

Car owners, on the other hand, by and large pay around $55 a month, while SUV drivers can expect to pay about $43 per month for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Fallbrook, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$44
Divorced$51
Widowed$33

More often than not, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The cost of auto insurance in Fallbrook reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$50
Live with parents$86

Another factor taken into consideration is your housing status. Drivers who own property in Fallbrook can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Fallbrook, CA

Recent trends in car insurance for Fallbrook 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.

The rates for auto insurance in Fallbrook rose from 2016-2018, before leveling out in 2019. They finished down in 2021, at $49 a month

How does Fallbrook compare to neighboring areas?

Why are car insurance rates in Fallbrook different from other areas?

There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area crime rates
  • Road safety
  • Community laws
  • Number of drivers in the region
  • Off-street parking accessibility

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Fallbrook?

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.

Don't worry, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Fallbrook in no time.

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Fallbrook Insurance FAQs

What factors affect car insurance quotes in Fallbrook?

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

Why is the cost of car insurance in Fallbrook 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 Fallbrook?

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 Fallbrook?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Fallbrook or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes