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How much is car insurance in National City?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in National City is about $7 cheaper than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in National City. The average monthly payment in National City is about $31 cheaper than the rate for the rest of the United States.
Bear in mind that while these are the average car insurance rates for National City, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for 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.
But don't worry, we've broken down the average rate for National City residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $37 more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may rise again in National City.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in National City is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in National City with a single accident will pay around $72 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $140.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$48|
As you can see in the first table above, the cheapest vehicles to insure in National City are by and large trucks and vans, which run about $43 per month.
Meanwhile, National City drivers who own a car or SUV can expect to pay about $50 for auto insurance.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In National City, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in National City can be as much as $12 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||$76|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in National City. 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 average costs.
Car Insurance Companies in National City, CA
Recent trends in car insurance for National City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Rates in National City have been mixed recently. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $50 in 2021.
How does National City compare to neighboring areas?
Why are car insurance rates in National City different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Number of drivers in the community
- Road Safety (frequency of local car accidents)
- Regional regulations
- Availability of off-street parking
- Regional crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in National City?
Arming 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. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in National City.
National City Insurance FAQs
What factors affect car insurance quotes in National City?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in National City different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 National City?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to National City?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to National City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?