Table of contents
How much is car insurance in Paso Robles?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $12 a month cheaper to insure your vehicle in Paso Robles than it is in the rest of California.
Compared to the national average cost of auto insurance coverage, Paso Robles has lower rates. The average monthly payment for the United States as a whole is about $36 more expensive than in Paso Robles.
Keep in mind that while these are the average car insurance rates for Paso Robles, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down the average rate for Paso Robles residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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 your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Paso Robles.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Paso Robles, this difference shakes out to about $11 per month. As illustrated in the table above, female drivers in the area pay about $39 on average, while male drivers pay around $50 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Paso Robles with a single accident on their record is about $62 a month. In addition, drivers with one ticket can expect to pay around $78 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$28|
|15 Years or Older||$47|
As you can see in the first table above, the cheapest vehicles to insure in Paso Robles are by and large SUVs, which run about $37 per month.
Car owners will see rates of about $44, while truck and van owners typically pay around $46 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Paso Robles, the most expensive vehicles to insure are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
The difference in rates based on relationship status in Paso Robles is about $13 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Paso Robles can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
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 Paso Robles, CA
Recent trends in car insurance for Paso Robles drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Paso Robles increased from 2016-2017, when they hit a high of $56. This pattern leveled out in 2020, when they began to decrease, and have continued on that road through 2021, when policy premiums reached a low of $38 per month.
How does Paso Robles compare to neighboring areas?
Why are car insurance rates in Paso Robles different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Crime levels
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
- Number of drivers in the area
- Area laws
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Paso Robles?
While knowing 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.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Paso Robles.
Paso Robles Insurance FAQs
What factors affect car insurance quotes in Paso Robles?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Paso Robles different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Paso Robles?
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 Paso Robles?
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. 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 Paso Robles 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?