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How much is car insurance in Rancho Cordova?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Rancho Cordova as it is in the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Rancho Cordova is rather affordable. You can expect to pay about $22 less for your policy in Rancho Cordova than in the rest of U.S.
While these are the average monthly costs for auto insurance coverage in Rancho Cordova, you could end up paying something different. 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.
But don't worry, we've broken down average rates for Rancho Cordova residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $35 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may rise again in Rancho Cordova.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Rancho Cordova actually defies this trend. While female drivers pay $60 a month to insure their vehicle, males only pay about $56.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly 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. In Rancho Cordova, a driving record with a single accident will usually get you a rate around $79 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $92 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$59|
The cheapest vehicles to insure in Rancho Cordova are usually SUVs, trucks, and vans, with each type typically costing about $53 per month.
Car owners, however, pay about $60 per month for car insurance.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Rancho Cordova, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Rancho Cordova, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Another factor taken into consideration is your living situation. If you rent your home or apartment in Rancho Cordova, expect to pay around $7 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Rancho Cordova, CA
Recent trends in car insurance for Rancho Cordova drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Car insurance rates in Rancho Cordova had been decreasing steadily from 2016 through the present, where they reached $43 per month in 2021.
How does Rancho Cordova compare to neighboring areas?
Why are car insurance rates in Rancho Cordova different from other areas?
Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Community regulations
- Total number of drivers in the community
- Off-street parking availability
- Local crime rates
- General road safety (how many accidents each locality has)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Rancho Cordova?
Equipping 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.
Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Rancho Cordova.
Rancho Cordova Insurance FAQs
What factors affect car insurance quotes in Rancho Cordova?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Rancho Cordova different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Rancho Cordova?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Rancho Cordova?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Rancho Cordova or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.