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How much is car insurance in Oakley?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Oakley are in line with rates across the rest of California.
Compared to the rest of the country, auto insurance in Oakley is more affordable. The average monthly payment for the United States as a whole is about $25 more expensive than in Oakley.
Although these are the average monthly costs for an auto insurance policy in Oakley, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Oakley and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $52 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up a bit in Oakley.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The price to insure your vehicle in Oakley, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Oakley with one accident will pay around $70 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $75.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$55|
If you look at the first table above, the cheapest vehicles to insure in Oakley are usually cars, at $54 per month.
Truck and van drivers will see rates of about $65 for car insurance, while SUV owners typically pay around $55 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Oakley, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Oakley 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||$96|
Another factor that comes into play is your living accommodations. Homeowners in Oakley can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Oakley, CA
Recent trends in car insurance for Oakley drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Oakley, car insurance rates have been steadily decreasing, reaching a low of $46 in 2022.
How does Oakley compare to neighboring areas?
Why are car insurance rates in Oakley different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Frequency of car accidents
- Off-street parking accessibility
- Number of drivers
- Crime rates
- Regional laws
An awareness of these factors is important 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 Oakley?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Oakley.
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Oakley Insurance FAQs
What factors affect car insurance quotes in Oakley?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Oakley different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, 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 Oakley?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Oakley?
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. 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 Oakley 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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