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How much is car insurance in Martinez?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Martinez are about $4 a month cheaper than in the rest of California.
Compared to the national average cost of auto insurance coverage, Martinez has lower rates. It's about $29 cheaper than the national average to insure your vehicle in Martinez.
These may be the average auto insurance rates for Martinez, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Martinez residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $28 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may begin to increase again in Martinez.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While this isn't true in Martinez, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Martinez with a single accident will pay around $72 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $58 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$50|
In Martinez, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $47 per month for auto insurance coverage.
SUV drivers will see rates of about $54 for auto insurance, while car owners usually pay around $52 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Martinez are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Martinez reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Martinez, expect to pay around $1 a month more than if you are a homeowner. 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 overall costs, depending on your insurance company.
Car Insurance Companies in Martinez, CA
Recent trends in car insurance for Martinez 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.
In Martinez, the rates for car insurance dropped from 2017-2018, before leveling out in 2019. Policy premiums began decreasing again in 2020, and finished down in 2022, at $42.
How does Martinez compare to neighboring areas?
Why are car insurance rates in Martinez different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Access to off-street parking
- Regional crime rates
- Amount of drivers in the community
- General road safety (how many accidents each locality has)
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 Martinez?
While knowing 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.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Martinez.
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Martinez Insurance FAQs
What factors affect car insurance quotes in Martinez?
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 age and gender, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Martinez 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 Martinez?
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 Martinez?
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 Martinez 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?
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