San Bruno, CA Car Insurance

What rates can residents of San Bruno expect to pay for their car insurance? Compared to their surrounding area, how do rates in San Bruno stack up? What about against the rest of California? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in San Bruno?

As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in San Bruno than it is in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in San Bruno. You can expect to pay about $31 less for your policy in San Bruno than in the rest of United States.

Bear in mind that while these are the average car insurance rates for San Bruno, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for San Bruno so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $33 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Drivers in San Bruno may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in San Bruno is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. In San Bruno, a driving record with one accident will usually get you a rate around $58 a month. Likewise, drivers with one ticket will be looking at a rate of around $57 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in San Bruno are usually cars, at $50 per month.

Truck and van drivers will see rates of about $54 to insure their vehicle, while SUV owners typically pay around $52 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In San Bruno, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in San Bruno can be as much as $14 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing situation. Renters can expect to pay around $3 a month more than homeowners in San Bruno. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in San Bruno, CA

Recent trends in car insurance for San Bruno drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In San Bruno, car insurance rates declined from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $43 per month

How does San Bruno compare to neighboring areas?

Why are car insurance rates in San Bruno different from other areas?

Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

• Off-street parking availability
• Rate of crime
• Road Safety (how many accidents each locality has)
• Community regulations
• Amount of drivers in the region

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. Knowing 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 San Bruno?

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.

Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in San Bruno.

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San Bruno Insurance FAQs

What factors affect car insurance quotes in San Bruno?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in San Bruno 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 San Bruno?

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 San Bruno?

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 San Bruno 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.