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How much is car insurance in Rohnert Park?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in California is about $4 a month more expensive than it is in Rohnert Park.
If you're thinking of moving to Rohnert Park from out of state, you may still be in luck. Auto insurance coverage in Rohnert Park is about $29 cheaper than it is for the rest of the U.S.
These may be the average auto insurance rates for Rohnert Park, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down average rates for Rohnert Park 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates creep back up once you hit retirement in Rohnert Park.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. Male and female drivers in Rohnert Park, however, both pay around $52 a month for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Rohnert Park with a single accident on their record will usually see rates around $62 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $67.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$48|
In terms of affordable coverage, the cheapest vehicles to insure in Rohnert Park are typically SUVs, at $49 per month.
SUV owners can expect to pay an average of around $49 a month for their policy, while truck and van drivers are usually around $57 to insure each month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Rohnert Park, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Rohnert Park can be as much as $11 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Rohnert Park, expect to pay around $9 a month more than if you are a homeowner. 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 premiums, depending on your insurance company.
Car Insurance Companies in Rohnert Park, CA
Recent trends in car insurance for Rohnert Park drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Rohnert Park, auto insurance rates had been decreasing from 2017-2018, before leveling out in 2019. Policy premiums finished down in 2022, at $44 per month
How does Rohnert Park compare to neighboring areas?
Why are car insurance rates in Rohnert Park different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Community regulations
- Off-street parking availability
- Prevalence of crime
- Number of car accidents
- Number of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Rohnert Park?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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 does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Rohnert Park.
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Rohnert Park Insurance FAQs
What factors affect car insurance quotes in Rohnert Park?
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 age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Rohnert Park 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Rohnert Park?
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 Rohnert Park?
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 Rohnert Park 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.
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