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How much is car insurance in San Carlos?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in San Carlos than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for San Carlos is more affordable. The average monthly payment in San Carlos is about $34 less than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of San Carlos, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay 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.
We've analyzed the average rate for San Carlos and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $22 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates climb back up a bit in San Carlos.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In San Carlos, although men do pay a bit less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In San Carlos, a driving record with a single accident will usually get you a rate around $59 a month. Likewise, drivers with one ticket will be looking at a rate of around $74 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$40|
In San Carlos, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $39 per month for insurance coverage.
SUV drivers will see rates of about $48 to insure their vehicle, while car owners usually pay around $46 a month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in San Carlos are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
More often than not, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in San Carlos reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Another factor taken into consideration is your housing status. Renters can expect to pay around $11 a month more than homeowners in San Carlos. 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 San Carlos, CA
Recent trends in car insurance for San Carlos drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In San Carlos, car insurance rates rose from 2016-2018, where they reached a high of $50, before leveling out in 2019. Insurance rates went up once again in 2020, and have continued rising through 2021, where they finished at $46 per month.
How does San Carlos compare to neighboring areas?
Why are car insurance rates in San Carlos different from other areas?
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Amount of off-street parking
- Area regulations
- Total number of drivers
- Local crime rates
- General road safety (how many accidents each locality has)
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in San Carlos?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in San Carlos.
San Carlos Insurance FAQs
What factors affect car insurance quotes in San Carlos?
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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in San Carlos 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 San Carlos?
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 San Carlos?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Carlos 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.