Table of contents
How much is car insurance in Pacifica?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Pacifica than it is in the rest of California.
Likewise, when compared to the national average, the cost for auto insurance in Pacifica is lower. It's about $30 cheaper to insure your vehicle in Pacifica compared to the average rate for the United States as a whole.
These rates may be the average amount Pacifica residents pay for their insurance policy, but 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 get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Pacifica 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, 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 can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Pacifica.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. Male and female drivers in Pacifica, however, both pay the same monthly amount for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Pacifica, a driving record with one accident will usually get you a rate around $58 a month. In addition, drivers with one ticket can expect to pay around $87 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$46|
The cheapest vehicles to insure in Pacifica are typically trucks and vans, with each type typically costing about $42 per month.
SUV drivers will see rates of about $45, while the rates for car owners average out to about $53 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Pacifica, 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)||$52|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Pacifica as well, where the difference is around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Another factor taken into consideration is your housing status. In Pacifica, homeowners can expect to pay around $1 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Pacifica, CA
Recent trends in car insurance for Pacifica drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Pacifica, the rates for auto insurance increased from 2016-2017, before steadying out in 2018. Insurance rates finished up in 2021, at $52 a month
How does Pacifica compare to neighboring areas?
Why are car insurance rates in Pacifica different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking accessibility
- Rate of crime
- Amount of drivers in the area
- Number of car accidents
- Local regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Pacifica?
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.
Good news! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Pacifica in no time.
Pacifica Insurance FAQs
What factors affect car insurance quotes in Pacifica?
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 year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Pacifica different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Pacifica?
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 Pacifica?
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?
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 Pacifica 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.