Table of contents
How much is car insurance in Goleta?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Goleta is about $6 a month cheaper.
Similarly, the expected monthly payments for an auto insurance policy in Goleta are below the national average. It's around $30 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average car insurance rates for Goleta, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Goleta residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||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 premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Goleta may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Goleta, although women do pay a little bit less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Goleta with a single accident on their record will usually see rates around $70 a month. Similarly, drivers with one ticket will typically pay around $87 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$49|
The most affordable vehicles to insure in Goleta are usually SUVs, which run about $42 per month.
Truck and van drivers will see rates of about $43 to insure their car, while car owners by and large pay around $53 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Goleta are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Overall, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will award 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 Goleta can be as much as $14 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Your housing status is another component of how insurance companies calculate your monthly rate. In Goleta, homeowners can expect to pay around $18 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Goleta, CA
Recent trends in car insurance for Goleta drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Goleta, car insurance rates have been mixed over the past few years. They increased in 2016, decreased in 2018, and rose again in 2020, before finishing at $48 in 2021.
How does Goleta compare to neighboring areas?
Why are car insurance rates in Goleta different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Community regulations
- Crime rates
- Off-street parking availability
- Rate of car accidents
- Number of drivers
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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 Goleta?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Goleta.
Goleta Insurance FAQs
What factors affect car insurance quotes in Goleta?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Goleta different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Goleta?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Goleta?
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?
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 Goleta 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?