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How much is car insurance in Placerville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Placerville is about $7 cheaper than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Placerville. The average monthly payment in Placerville is about $32 less than the rate for the rest of the United States.
These may be the average auto insurance rates for Placerville, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Placerville 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 that you're paying the lowest option, 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|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may climb back up in Placerville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Placerville, where women pay around $4 less per month. As you can see in the table above, female drivers in the area typically pay $47 on average, while female drivers typically pay $51 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. The rate for drivers in Placerville with a single accident on their record is about $64 a month. Similarly, drivers with one ticket will typically pay around $81 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$49|
The cheapest vehicles to insure in Placerville are usually trucks and vans, with each type typically costing about $38 per month.
Car owners will see a monthly premium of about $53, while SUV owners by and large pay around $44 a month.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Placerville are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
More often than not, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Placerville can be as much as $8 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||$69|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Placerville, expect to pay around $1 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Placerville, CA
Recent trends in car insurance for Placerville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Placerville, car insurance rates rose from 2017-2018, when they hit a high of $62. This shifted in 2019, when car insurance rates started to decrease. They reached a low of $32 in 2021, and finished up in 2022, at $45 per month.
How does Placerville compare to neighboring areas?
Why are car insurance rates in Placerville different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Regional crime rates
- Frequency of car accidents
- Community regulations
- Access to off-street parking
- Amount of drivers in the community
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 Placerville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Placerville.
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Placerville Insurance FAQs
What factors affect car insurance quotes in Placerville?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Placerville different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Placerville?
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 Placerville?
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?
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 Placerville 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.
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