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How much is car insurance in Novato?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Novato than it is in the rest of California.
Similarly, car insurance rates in Novato are often favorable when viewed against the rest of the country. Auto insurance coverage in Novato is about $28 cheaper than it is for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Novato, 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. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Novato 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 for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Novato.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While this isn't true in Novato, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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 Novato, a driving record with a single accident will usually get you a rate around $58 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $74.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$49|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Novato, with drivers paying around $48 per month to insure their vehicle.
Car owners can expect to pay an average of around $52 a month for their policy, while SUVs usually cost around $51 a month to insure.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Novato are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Novato is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor taken into consideration is your housing status. Homeowners in Novato can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Novato, CA
Recent trends in car insurance for Novato drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Novato, the rates for auto insurance had been decreasing from 2016-2017, before leveling out in 2018. Rates finished down in 2021, at $54 a month
How does Novato compare to neighboring areas?
Why are car insurance rates in Novato different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Area crime rates
- Total number of drivers in the area
- Regional laws
- Road Safety (how many accidents each locality has)
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Novato?
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 does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Novato.
Novato Insurance FAQs
What factors affect car insurance quotes in Novato?
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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Novato different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Novato?
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 Novato?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Novato 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.