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How much is car insurance in San Jacinto?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| San Jacinto | $50 |
| CA | $56 |
| United States | $81 |
Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in San Jacinto than it is in the rest of California.
Compared to the rest of the country, auto insurance in San Jacinto is more affordable. It's around $31 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in San Jacinto, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't worry, we've done the work for you and broken down average rates for San Jacinto to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $81 |
| 25-34 | $51 |
| 35-44 | $41 |
| 45-54 | $39 |
| 55-64 | $38 |
| 65+ | $44 |
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. 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, however, your rates may start to rise again in San Jacinto.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $50 |
| Female | $50 |
On average, female drivers pay slightly less for car insurance than their male counterparts. In San Jacinto, however, male and female drivers both pay, on average, $50 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $58 |
| Multiple Accidents | $48 |
| 1 Ticket | $52 |
| Multiple Tickets | $62 |
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in San Jacinto with one accident will pay around $58 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $52.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $47 |
| 2-3 Years | $67 |
| 4-5 Years | $52 |
| 6-7 Years | $48 |
| 8-10 Years | $51 |
| 11-14 Years | $47 |
| 15 Years or Older | $47 |
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in San Jacinto, with drivers paying around $41 per month for auto insurance.
Car owners will see a monthly premium of about $53, while SUV owners usually pay around $47 a month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In San Jacinto, 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 |
| Married | $39 |
| Divorced | $43 |
| Widowed | $44 |
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in San Jacinto is about $15 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $45 |
| Rent | $52 |
| Live with parents | $72 |
Another factor that comes into play is your housing status. Those who own their own home in San Jacinto can expect to pay around $7 a month less than those who rent. 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 overall costs.
Car Insurance Companies in San Jacinto, CA
Recent trends in car insurance for San Jacinto drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In San Jacinto, car insurance rates dropped from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $40 per month
How does San Jacinto compare to neighboring areas?
Why are car insurance rates in San Jacinto different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Local laws
- Off-street parking access
- Area crime rates
- General road safety (how many accidents each locality has)
- Total drivers
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 San Jacinto?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing auto coverage in San Jacinto.
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San Jacinto Insurance FAQs
What factors affect car insurance quotes in San Jacinto?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in San Jacinto different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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?
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 Jacinto?
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. 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?
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