Table of contents
How much is car insurance in San Jacinto?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in San Jacinto typically costs about $8 a month less than it does in the rest of California.
Similarly, car insurance rates in San Jacinto are more affordable than the national average. The average monthly payment in San Jacinto is about $32 less than the rate for the rest of the U.S.
While these are the average car insurance rates for San Jacinto, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for San Jacinto so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, 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|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in San Jacinto may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, San Jacinto goes against the grain. Female drivers typically pay around $6 more a month to insure their car than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In San Jacinto, a driving record with one accident will usually get you a rate around $53 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $58 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$47|
The cheapest vehicles to insure in San Jacinto are by and large trucks and vans, with each type typically costing about $40 per month.
Car owners, on the other hand, typically pay around $50 per month, while SUV drivers can expect to pay about $49 a month to insure their vehicle.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In San Jacinto, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. San Jacinto is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in San Jacinto, expect to pay around $2 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in San Jacinto, CA
Recent trends in car insurance for San Jacinto drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In San Jacinto, the rates for car insurance went up from 2016-2017, before leveling out in 2018. Policy premiums finished up in 2021, at $52 per month
How does San Jacinto compare to neighboring areas?
Why are car insurance rates in San Jacinto different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Road safety
- Area crime rates
- Total number of drivers in the community
- Access to off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in San Jacinto?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in San Jacinto.
San Jacinto Insurance FAQs
What factors affect car insurance quotes in San Jacinto?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in San Jacinto different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 San Jacinto?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Jacinto?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to San Jacinto or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?