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How much is car insurance in Gilroy?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Gilroy are on par with what you would pay anywhere else in California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Gilroy is rather affordable. On average, it's about $26 less to insure your vehicle in Gilroy than it is in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Gilroy, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for Gilroy to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Gilroy drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Gilroy, where female drivers pay around $56 per month while male drivers pay about $52.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Gilroy with a single accident on their record will usually see rates around $92 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $120.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$49|
In Gilroy, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $42 per month to insure their vehicle.
SUV drivers will see rates of about $51 for car insurance coverage, while car owners by and large pay around $56 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Gilroy, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
On average, people who are married will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Gilroy can be as much as $16 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your housing status is another component of how insurance companies calculate your monthly rate. In Gilroy, homeowners can expect to pay around $4 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.
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 car insurance costs.
Car Insurance Companies in Gilroy, CA
Recent trends in car insurance for Gilroy 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.
In Gilroy, the rates for car insurance increased from 2016-2017, when they reached a high of $65. Policy premiums began to decrease in 2018, and this trend has continued through 2021, when rates have most recently hit $42.
How does Gilroy compare to neighboring areas?
Why are car insurance rates in Gilroy different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Local crime rates
- Road Safety (frequency of car accidents)
- Off-street parking accessibility
- Local regulations
- Number of drivers in the area
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 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.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Gilroy.
Gilroy Insurance FAQs
What factors affect car insurance quotes in Gilroy?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Gilroy different from other neighboring cities?
Things like crime rates, local laws, 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.