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How much is car insurance in Los Gatos?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Los Gatos | $48 |
| CA | $56 |
| United States | $80 |
Based on the chart above, you can see that coverage in Los Gatos typically costs about $8 a month less than it does in the rest of California.
If you're thinking of moving to Los Gatos from out of state, you may still be in luck. You can expect to pay about $32 below the national average for auto insurance in Los Gatos.
While these are the average monthly costs for auto insurance coverage in Los Gatos, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've broken down average rates for Los Gatos to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Los Gatos Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $66 |
| 25-34 | $44 |
| 35-44 | $43 |
| 45-54 | Not Enough Data |
| 55-64 | $40 |
| 65+ | $40 |
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Los Gatos drivers may see their rates climb back up once they hit retirement age.
Los Gatos Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $49 |
| Female | $46 |
In general, female drivers pay less for car insurance than their male counterparts. In Los Gatos, although women do pay slightly less on their monthly insurance rates, the cost is about the same for either group.
Los Gatos Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $69 |
| Multiple Accidents | $62 |
| 1 Ticket | $60 |
| Multiple Tickets | $37 |
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Los Gatos, a driving record with one accident will usually get you a rate around $69 a month. In addition, drivers with a single ticket on their record can expect to pay around $60 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Los Gatos Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $46 |
| 2-3 Years | $43 |
| 4-5 Years | $46 |
| 6-7 Years | $53 |
| 8-10 Years | $46 |
| 11-14 Years | $55 |
| 15 Years or Older | $45 |
In Los Gatos, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $44 per month for auto insurance.
Car owners, on the other hand, usually pay around $49 per month, while truck and van drivers can expect to pay about $45 a month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Los Gatos, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Los Gatos Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $50 |
| Married | $38 |
| Divorced | $46 |
| Widowed | $37 |
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Los Gatos is about $12 a month, with married couples paying less for coverage than single drivers.
Los Gatos Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $42 |
| Rent | $47 |
| Live with parents | $72 |
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Los Gatos, expect to pay around $5 a month more than if you own your home. 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 with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Los Gatos, CA
Recent trends in car insurance for Los Gatos drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Car insurance rates in Los Gatos had been decreasing from 2017-2019, before steadying out in 2020. They finished up in 2022, at $45 per month
How does Los Gatos compare to neighboring areas?
Why are car insurance rates in Los Gatos different from other areas?
There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Community laws
- Off-street parking access
- General road safety (how many accidents each locality has)
- Total number of drivers in the region
- Crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Los Gatos?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Los Gatos.
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Los Gatos Auto Insurance FAQs
What factors affect car insurance quotes in Los Gatos?
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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in Los Gatos different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 Los Gatos?
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 Los Gatos?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Los Gatos 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.
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