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How much is car insurance in San Leandro?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in San Leandro are in line with rates across the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in San Leandro is rather affordable. On average, it's about $28 less to insure your vehicle in San Leandro than it is in the rest of the United States.
Although these are the average rates for auto insurance in San Leandro, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for San Leandro residents 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
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates start to rise again once you hit retirement age in San Leandro.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in San Leandro is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In San Leandro, drivers with one accident on their record will experience rates around $65 a month. In addition, drivers with one ticket can expect to pay around $65 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$49|
In San Leandro, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $51 per month for insurance.
Car owners will see a monthly bill of about $53, while SUV owners by and large pay around $55 a month.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In San Leandro, 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)||$55|
More often than not, people who are married will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in San Leandro can be as much as $5 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Another factor taken into consideration is your housing status. Whether rent your home or own property in San Leandro, you can expect to pay around $51 per month.
Bundling your home or rental insurance with your auto insurance 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
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In San Leandro, the rates for car insurance dropped from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $48 per month
How does San Leandro compare to neighboring areas?
Why are car insurance rates in San Leandro different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Community regulations
- Amount of off-street parking
- Total amount of drivers in the community
- Local crime rates
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. 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?
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. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer plans in San Leandro.
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San Leandro Insurance FAQs
What factors affect car insurance quotes in San Leandro?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in San Leandro different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in San Leandro?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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. 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 Leandro 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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