Grass Valley, CA Car Insurance

On average, Grass Valley drivers pay a monthly average rate of around $46 for their car insurance. To learn more about what you're likely to pay in the Grass Valley area, read our guide below.
How much can residents of Grass Valley expect to pay for their car insurance? How does Grass Valley stack up to the rest of the area, or even California as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Grass Valley?

Area Average Monthly Car Insurance Premium
Grass Valley$46
CA$56
United States$81

Based on the chart above, you can see that coverage in Grass Valley typically costs about $10 a month less than it does in the rest of California.

Likewise, when compared to the national average, the cost for auto insurance in Grass Valley is lower. The average monthly payment for the United States as a whole is about $35 more expensive than in Grass Valley.

While these numbers are the average rates for auto insurance in Grass Valley, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't sweat it however, we've broken down average rates for Grass Valley residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$78
25-34$36
35-44$34
45-54Not Enough Data
55-64$40
65+$38

The older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $40 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in Grass Valley.

Average Car Insurance Rates by Gender

Gender Average
Male$45
Female$46

Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Grass Valley, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$53
Multiple Accidents$70
1 Ticket$53
Multiple Tickets$61

Your driving record can have a tremendous impact on your car insurance rates. 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. In Grass Valley, a driving record with a single accident will usually get you a rate around $53 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $53.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$83
2-3 Years$44
4-5 Years$61
6-7 Years$56
8-10 Years$43
11-14 Years$47
15 Years or Older$41

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Grass Valley, with drivers paying around $37 per month for insurance.

Car owners will see a monthly bill of about $48, while SUV owners usually pay around $45 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Grass Valley are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$35
Divorced$35
Widowed$30

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

On a national scale, married drivers typically pay less than single drivers for auto insurance. Grass Valley is no exception, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$44
Live with parents$48

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $3 less than homeowners in Grass Valley. But if you live with your parents, you can expect to pay a lot more.

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

Car Insurance Companies in Grass Valley, CA

Recent trends in car insurance for Grass Valley 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 car insurance in Grass Valley had been decreasing from 2017-2019, before steadying out in 2020. They finished down in 2022, at $38 a month

How does Grass Valley compare to neighboring areas?

Why are car insurance rates in Grass Valley different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Area regulations
  • Total number of drivers in the community
  • Frequency of car accidents
  • Amount of off-street parking
  • Prevalence of crime

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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 Grass Valley?

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 hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Grass Valley.

Compare the cheapest quotes from dozens of insurance companies

Grass Valley Insurance FAQs

What factors affect car insurance quotes in Grass Valley?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Grass Valley 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 Grass Valley?

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 Grass Valley?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Grass Valley or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes