Paso Robles, CA Car Insurance

Compared to their surrounding area, how do rates in Paso Robles stack up? What about against the rest of California? What should residents of Paso Robles expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

---

---

How much is car insurance in Paso Robles?

As you can see in the chart above, it is around $12 a month cheaper to insure your vehicle in Paso Robles than it is in the rest of California.

Likewise, when compared to the national average, the cost for auto insurance in Paso Robles is lower. Car insurance rates for the United States as a whole are, on average, $37 more expensive than the rates you'd pay in Paso Robles.

Bear in mind that while these rates are the average costs for Paso Robles drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've analyzed the average rate for Paso Robles and broken down the different factors to help you understand what your monthly bill might look like. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

---

---

Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Paso Robles.

Average Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Paso Robles, the difference comes out to about $10 per month. As illustrated in the table above, male drivers in the area pay about $49 on average, while female drivers pay around $39 each month.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Paso Robles with a single accident on their record will usually see rates around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $66 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Paso Robles are by and large SUVs, at $36 per month.

Car owners can expect to pay an average of around $45 a month for their policy, while truck and van drivers are usually around $44 to insure each month.

Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Paso Robles, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Paso Robles can be as much as $12 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. Renters can expect to pay around $10 a month more than those who own their own home in Paso Robles. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Paso Robles, CA

Recent trends in car insurance for Paso Robles drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Paso Robles, the rates for car insurance have been steadily decreasing, reaching a low of $35 in 2022.

How does Paso Robles compare to neighboring areas?

Why are car insurance rates in Paso Robles different from other areas?

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. The specifics of where you live will have an impact on your personal policy. This might include things like:

• Regional regulations
• Number of car accidents
• Local crime rates
• Total number of drivers in the region
• Off-street parking availability

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 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.

Don't worry, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Paso Robles.

---

---

Paso Robles Insurance FAQs

What factors affect car insurance quotes in Paso Robles?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Paso Robles different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Paso Robles?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 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?