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How much is car insurance in San Lorenzo?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in San Lorenzo are slightly less expensive than the rest of California.
Compared to the national average cost of auto insurance coverage, San Lorenzo has lower rates. It's about $26 cheaper than the national average to insure your vehicle in San Lorenzo.
Keep in mind that these are the average auto insurance rates for San Lorenzo, and that the rate you get could end up being something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for San Lorenzo so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, 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|
It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in San Lorenzo.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their car, this is not the case in San Lorenzo, where female drivers pay around $59 per month while male drivers pay about $53.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. The rate for drivers in San Lorenzo with a single accident on their record is about $61 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $66.
Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$58|
In San Lorenzo, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $45 per month for auto insurance.
Car owners will see a monthly rate of about $57, while SUV owners by and large pay around $51 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In San Lorenzo, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In San Lorenzo, the difference in rates based on relationship status can be as much as $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $2 less than those who own their own home in San Lorenzo. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in San Lorenzo, CA
Recent trends in car insurance for San Lorenzo drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Auto insurance rates in San Lorenzo have been steadily decreasing, reaching a low of $36 in 2022.
How does San Lorenzo compare to neighboring areas?
Why are car insurance rates in San Lorenzo different from other areas?
Car insurance companies will take into account a lot of factors when deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Local laws
- Amount of off-street parking
- General road safety (how many accidents each locality has)
- Local crime rates
- Total number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in San Lorenzo?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in San Lorenzo.
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San Lorenzo Insurance FAQs
What factors affect car insurance quotes in San Lorenzo?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in San Lorenzo different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Lorenzo?
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 Lorenzo?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to San Lorenzo or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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