Table of contents
How much is car insurance in San Lorenzo?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in San Lorenzo as it does in the rest of California.
When compared to the national average, the cost for auto insurance in San Lorenzo is lower. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers represent the average monthly payments for coverage in San Lorenzo, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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 analyzed the average rate for San Lorenzo and broken down the different factors to help you understand what your policy's monthly premium will be. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up a bit in San Lorenzo.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in San Lorenzo, where female drivers pay around $10 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In San Lorenzo, a driving record with one accident will usually get you a rate around $61 a month. In addition, drivers with a single ticket on their record can expect to pay around $63 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$61|
In terms of affordable coverage, the cheapest vehicles to insure in San Lorenzo are typically trucks and vans, at $45 per month.
SUV drivers will see rates of about $52, while the rates for car owners average out to about $57 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. 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)||$58|
On average, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in San Lorenzo.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 less than drivers who own property in San Lorenzo. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
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.
Car insurance rates in San Lorenzo had been increasing from 2016-2017, when they hit a high of $73. This pattern leveled out in 2020, when they began to decrease, and have continued moving in that direction through 2021, when rates reached a low of $44 per month.
How does San Lorenzo compare to neighboring areas?
Why are car insurance rates in San Lorenzo 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. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Regional regulations
- Amount of off-street parking
- Total amount of drivers in the area
- Local crime rates
- Rate of car accidents
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. 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.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in San Lorenzo.
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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in San Lorenzo different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Lorenzo?
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 Lorenzo?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to San Lorenzo or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.