Gilroy, CA Car Insurance

How do rates in Gilroy measure up compared to neighboring areas, including California as a whole? How much can residents of Gilroy expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Gilroy?

Looking at the chart above, you can see that the average monthly price in Gilroy is in line with pricing for the rest of California.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Gilroy is rather affordable. You can expect to pay about $28 below the national average for auto insurance in Gilroy.

While these are the average car insurance rates for Gilroy, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've broken down average rates for Gilroy to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Gilroy may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. While this isn't true in Gilroy, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Gilroy, a driving record with one accident will usually get you a rate around $90 a month. In addition, drivers with a single ticket on their record can expect to pay around $83 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Gilroy are typically trucks and vans, at $46 per month.

SUV drivers will see rates of about $51, while the rates for car owners average out to about $55 a month.

Depending on your vehicle's age, you can also expect to see slightly different rates. 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. The most expensive vehicles to insure in Gilroy are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, married policyholders will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

In Gilroy, the difference in rates based on relationship status can be as much as $15 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing status. If you rent your home or apartment in Gilroy, expect to pay around $2 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Gilroy, CA

Recent trends in car insurance for Gilroy drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Gilroy dropped steadily from 2017 through the present, where they reached $43 per month in 2022.

How does Gilroy compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

• Crime rates
• Number of drivers in the community
• Rate of car accidents
• Off-street parking access
• Area laws

Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Gilroy?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Gilroy.

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Gilroy Insurance FAQs

What factors affect car insurance quotes in Gilroy?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Gilroy different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Gilroy?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Gilroy 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.