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How much is car insurance in San Pablo?
|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 Pablo as it does in the rest of California.
If you're thinking of moving to San Pablo from out of state, you may still be in luck. On average, it's about $27 less to insure your vehicle in San Pablo than it is in the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for San Pablo and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $41 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 climb back up a bit once you hit retirement in San Pablo.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay a little bit less than male drivers on their monthly auto insurance coverage, the difference in San Pablo is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in San Pablo with a single accident on their record is about $57 a month. Likewise, drivers with one ticket will be looking at a rate of around $62 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$56|
As you can see in the first table above, the cheapest vehicles to insure in San Pablo are typically SUVs, which run about $50 per month.
Truck and van drivers will see rates of about $57, while the rates for SUV owners average out to about $50 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In San Pablo, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
As you can see in the table above, married couples pay about the same rate as single drivers in San Pablo.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Another factor taken into consideration is your living situation. If you rent your home or apartment in San Pablo, expect to pay around $4 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in San Pablo, CA
Recent trends in car insurance for San Pablo drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In San Pablo, car insurance rates increased from 2017-2018, where they reached a high of $60, before leveling out in 2019. Policy premiums went up once again in 2020, and have continued rising through 2022, where they finished at $59 a month.
How does San Pablo compare to neighboring areas?
Why are car insurance rates in San Pablo different from other areas?
There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Availability of off-street parking
- Regional crime rates
- Amount of drivers in the community
- Community regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Pablo?
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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in San Pablo.
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San Pablo Insurance FAQs
What factors affect car insurance quotes in San Pablo?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in San Pablo different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Pablo?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to San Pablo?
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?
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 Pablo 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.
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