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How much is car insurance in Pleasanton?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Pleasanton are about $7 a month cheaper than in the rest of California.
Similarly, car insurance rates in Pleasanton are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $32 more expensive than the rates you'd pay in Pleasanton.
These may be the average auto insurance rates for Pleasanton, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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.
Don't sweat it however, we've broken down average rates for Pleasanton residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up a bit in Pleasanton.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. Male and female drivers in Pleasanton, however, both pay around $49 a month for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Pleasanton, drivers with one accident on their record will experience rates around $63 a month. Similarly, drivers with one ticket will typically pay around $91 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$48|
|15 Years or Older||$55|
In terms of affordable coverage, the cheapest vehicles to insure in Pleasanton are usually SUVs, at $42 per month.
Car owners can expect to pay an average of around $50 a month for their policy, while truck and van drivers are usually around $48 to insure each month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Pleasanton, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Pleasanton, with married couples paying about $16 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Pleasanton. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Pleasanton, CA
Recent trends in car insurance for Pleasanton 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 Pleasanton had been decreasing from 2017-2018, but began to increase in 2021. This trend has continued through 2022 when rates have most recently reached $49 per month.
How does Pleasanton compare to neighboring areas?
Why are car insurance rates in Pleasanton different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Frequency of car accidents
- Local crime rates
- Community regulations
- Off-street parking accessibility
- Total drivers
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 cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Pleasanton?
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 will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer plans in Pleasanton.
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Pleasanton Insurance FAQs
What factors affect car insurance quotes in Pleasanton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Pleasanton different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Pleasanton?
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 Pleasanton?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Pleasanton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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