Table of contents
How much is car insurance in Imperial Beach?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Imperial Beach is about $13 a month cheaper than it is for the rest of California.
Likewise, car insurance rates in Imperial Beach are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $37 more expensive than the rates you'd pay in Imperial Beach.
While these are the average car insurance rates for Imperial Beach, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down the average rates for Imperial Beach to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||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 bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $32 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Imperial Beach.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Imperial Beach is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay less than those with infractions. The rate for drivers in Imperial Beach with a single accident on their record is about $67 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $99.
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||$39|
|15 Years or Older||$39|
The most affordable vehicles to insure in Imperial Beach are usually trucks and vans, which run about $38 per month.
Car owners will see a monthly rate of about $43, while SUV owners by and large pay around $48 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Imperial Beach, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
On average, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Imperial Beach, with married couples paying about $17 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$40|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Imperial Beach, expect to pay around $4 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
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 Imperial Beach, CA
Recent trends in car insurance for Imperial Beach drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Car insurance rates in Imperial Beach had been increasing from 2016-2018, when they hit a high of $53, but started to turn downward from 2019-2020. They finished up in 2021, at $42 per month.
How does Imperial Beach compare to neighboring areas?
Why are car insurance rates in Imperial Beach different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Community laws
- Off-street parking accessibility
- Frequency of car accidents
- Amount of drivers
- Area crime rates
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Imperial Beach?
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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Imperial Beach.
Imperial Beach Insurance FAQs
What factors affect car insurance quotes in Imperial Beach?
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 gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Imperial Beach different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Imperial Beach?
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 Imperial Beach?
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. 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 Imperial Beach or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?