Live Oak, CA Car Insurance

How does Live Oak compare to the surrounding area and the rest of California? What rates can residents of Live Oak expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Live Oak?

Based on the chart above, you can see that coverage in Live Oak typically costs about $12 a month less than it does in the rest of California.

When stacked up against the national average, the average monthly policy payment for Live Oak is more affordable. It's around $37 less to insure your vehicle compared to the average rate for the United States as a whole.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

But don't worry, we've broken down the average rate for Live Oak residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates climb back up in Live Oak.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. In Live Oak, although women do pay a little bit less on their monthly auto coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in Live Oak with one accident will pay around $53 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $81.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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

In terms of affordable coverage, the cheapest vehicles to insure in Live Oak are typically SUVs, at $36 per month.

Car owners can expect to pay an average of around $46 a month for their policy, while truck and van drivers are usually around $40 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive 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 Live Oak are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Live Oak reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. Renters can expect to pay around $4 a month more than homeowners in Live Oak. 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 and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Live Oak, CA

Recent trends in car insurance for Live Oak drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In Live Oak, the rates for auto insurance increased from 2017-2018, before steadying out in 2019. Rates finished up in 2022, at $48 per month

How does Live Oak compare to neighboring areas?

Why are car insurance rates in Live Oak different from other areas?

Car insurance companies take in many factors when choosing how much individual insurance policies will cost. The specifics of where you live will have an impact on your personal policy. This might include things like:

• Road Safety (frequency of car accidents)
• Regional regulations
• Off-street parking availability
• Total number of drivers in the area
• Local crime rates

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Live Oak?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Live Oak.

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Live Oak Insurance FAQs

What factors affect car insurance quotes in Live Oak?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

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

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Live Oak?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Live Oak 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?