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How much is car insurance in Napa?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Napa is about $7 a month cheaper than it is for the rest of California.
Similarly, car insurance rates in Napa are often favorable when viewed against the rest of the country. It's about $32 cheaper to insure your vehicle in Napa compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Napa, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Napa to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates start to rise again once you hit retirement in Napa.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Napa, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Napa with a single accident will pay around $65 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $62.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$46|
According to the first table above, cars are usually the cheapest vehicles to insure in Napa, with drivers paying around $47 per month for insurance coverage.
Truck and van drivers will see rates of about $57 to insure their vehicle, while SUV owners typically pay around $51 a 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 close to 5 years old, you may start to see your monthly premium drop back down. In Napa, 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)||$52|
On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Napa can be as much as $8 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $1 a month less than drivers who own property in Napa. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Napa, CA
Recent trends in car insurance for Napa 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 Napa, the rates for car insurance have been mixed over the past few years. They increased in 2017, dropped in 2019, and rose again in 2021, before finishing at $47 in 2022.
How does Napa compare to neighboring areas?
Why are car insurance rates in Napa different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Prevalence of crime
- Road Safety (frequency of car accidents)
- Amount of drivers in the area
- Local regulations
- Availability of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Napa?
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.
But hold on! Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Napa.
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Napa Insurance FAQs
What factors affect car insurance quotes in Napa?
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, address, and marital status.
Why is the cost of car insurance in Napa 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 Napa?
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 Napa?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Napa or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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