Table of contents
How much is car insurance in Rocklin?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Rocklin are about the same as what you would pay anywhere else in California.
That being said, car insurance rates in Rocklin are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $22 more expensive than the rates you'd pay in Rocklin.
Although these are the average rates for auto insurance in Rocklin, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Rocklin so that you can get a more accurate idea of what your monthly bill might be. 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
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay significantly more than 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, you may see your rates start to rise again in Rocklin.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Rocklin is around $5 per month. Based on the chart above, you can see that female drivers pay around $55 on average, while male drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Rocklin with a single accident will pay around $66 a month. In addition, drivers with a single ticket on their record can expect to pay around $84 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$54|
The most affordable vehicles to insure in Rocklin are typically trucks and vans, which run about $49 per month.
Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $60 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Rocklin, the most expensive vehicles to insure are vehicles two-to-three years old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Rocklin can be as much as $8 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $4 a month more than homeowners in Rocklin. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Rocklin, CA
Recent trends in car insurance for Rocklin drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
Auto insurance rates in Rocklin had been decreasing consistently from 2016 through the present, where they hit $48 a month in 2021.
How does Rocklin compare to neighboring areas?
Why are car insurance rates in Rocklin different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Road Safety (total number of local car accidents)
- Total number of drivers
- Amount of off-street parking
- Community regulations
- Local crime rates
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 get started.
How can I find the cheapest car insurance in Rocklin?
While getting familiar with 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.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Rocklin.
Rocklin Insurance FAQs
What factors affect car insurance quotes in Rocklin?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Rocklin different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Rocklin?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Rocklin?
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 Rocklin 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.