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How much is car insurance in San Leandro?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in San Leandro are on par with what you would pay anywhere else in California.
When stacked up against the national average, the average monthly policy payment for San Leandro is more affordable. The average monthly payment for the United States as a whole is about $26 more expensive than in San Leandro.
While these are the average monthly costs for auto insurance coverage in San Leandro, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for San Leandro to help you understand what your monthly premium might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. San Leandro drivers may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in San Leandro is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in San Leandro with a single accident on their record is about $66 a month. Similarly, drivers with one ticket will typically pay around $77 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$56|
|15 Years or Older||$49|
According to the first table above, the cheapest vehicles to insure in San Leandro are typically trucks and vans, at $47 per month.
Car owners can expect to pay an average of around $54 a month for their policy, while SUVs usually cost around $56 a month to insure.
You may also see different rates based on the age of your vehicle. 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 Leandro, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Overall, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in San Leandro reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than homeowners in San Leandro. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in San Leandro, CA
Recent trends in car insurance for San Leandro drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In San Leandro, the rates for car insurance had been increasing from 2016-2017, when they hit a high of $63. This leveled out in 2018, when they began to turn downward again. They finished down in 2021, at $48 a month
How does San Leandro compare to neighboring areas?
Why are car insurance rates in San Leandro different from other areas?
Car insurance companies will take into account a lot 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. These include things like:
- Number of car accidents
- Off-street parking accessibility
- Regional regulations
- Amount of drivers in the area
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 San Leandro?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in San Leandro.
San Leandro Insurance FAQs
What factors affect car insurance quotes in San Leandro?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in San Leandro different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in San Leandro?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Leandro?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to San Leandro or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.