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How much is car insurance in Livermore?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Livermore is about $8 cheaper than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Livermore. Auto insurance coverage in Livermore is about $32 cheaper than it is for the rest of the United States.
Although these are the average rates for auto insurance in Livermore, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Livermore residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Livermore may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Livermore, although women do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Livermore, a driving record with one accident will usually get you a rate around $63 a month. In addition, drivers with one ticket can expect to pay around $69 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Livermore are by and large SUVs, at $45 per month.
SUV owners can expect to pay an average of around $45 a month for their policy, while truck and van drivers are usually around $58 to insure each month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Livermore, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
The cost of auto insurance in Livermore 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
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $11 a month more than those who own their own home in Livermore. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Livermore, CA
Recent trends in car insurance for Livermore drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Livermore, the rates for car insurance rose from 2016-2017, when they hit a high of $63. This pattern leveled out in 2018, when they began to decrease, and have continued moving in that direction through 2021, when policy premiums reached a low of $35 per month.
How does Livermore compare to neighboring areas?
Why are car insurance rates in Livermore different from other areas?
Car insurance companies will take into account a number of factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Frequency of car accidents
- Community regulations
- Off-street parking accessibility
- Amount of drivers
- Local 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. 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 Livermore?
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 wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Livermore.
Livermore Insurance FAQs
What factors affect car insurance quotes in Livermore?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Livermore different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Livermore?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Livermore?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Livermore or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.