San Marcos, CA Car Insurance

On average, San Marcos drivers pay a monthly average rate of around $48 for their car insurance. Learn more in our handy guide below.
How much can residents of San Marcos expect to pay for their car insurance? How do rates in San Marcos measure up compared to neighboring areas, including California as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in San Marcos?

Area Average Monthly Car Insurance Premium
San Marcos$48
CA$56
United States$80

Based on the above chart, auto insurance policies in San Marcos are about $8 a month cheaper than in the rest of California.

Likewise, car insurance rates in San Marcos are often favorable when viewed against the rest of the country. The average monthly payment in San Marcos is about $32 cheaper than the rate for the rest of the United States.

Although these are the average car insurance rates in San Marcos, 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 monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rates for San Marcos residents based on several different factors so that you can get a more accurate idea of what you might pay. 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 18Not Enough Data
18-24$63
25-34$43
35-44$37
45-54Not Enough Data
55-64$40
65+$47

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay around $16 more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement age in San Marcos.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$46

Car insurance rates for men are usually slightly more expensive than they are for women. In San Marcos, although women do pay a bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$55
Multiple Accidents$57
1 Ticket$47
Multiple Tickets$76

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in San Marcos with a single accident on their record will usually see rates around $55 a month. Similarly, drivers with one ticket will typically pay around $47 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$43
2-3 Years$47
4-5 Years$45
6-7 Years$48
8-10 Years$45
11-14 Years$50
15 Years or Older$49

In San Marcos, the cheapest vehicles to insure are usually SUVs, with drivers paying around $46 per month to insure their vehicle.

Car owners will see rates of about $48, while truck and van owners by and large pay around $53 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in San Marcos are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$44
Divorced$42
Widowed$45

Generally, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

In San Marcos, the difference in rates based on relationship status can be as much as $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$47
Live with parents$62

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $2 a month more than homeowners in San Marcos. But if you live with your parents, you can expect to pay a lot more.

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 car insurance costs.

Car Insurance Companies in San Marcos, CA

Recent trends in car insurance for San Marcos drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Auto insurance rates in San Marcos dropped from 2016-2017, before steadying out in 2018. Policy premiums decreased again, hitting a low of $42 in 2020, before finishing up at $50 in 2021.

How does San Marcos compare to neighboring areas?

Why are car insurance rates in San Marcos different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Amount of drivers in the area
  • Amount of off-street parking
  • Regional laws
  • Regional crime rates
  • General road safety (how many accidents each locality has)

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. Knowing 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 Marcos?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in San Marcos.

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San Marcos Insurance FAQs

What factors affect car insurance quotes in San Marcos?

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 address, driving record, credit score, and marital status.

Why is the cost of car insurance in San Marcos different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in San Marcos?

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 Marcos?

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 Marcos 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?

Find your best rate in just a few minutes