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How much is car insurance in San Pablo?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in San Pablo are on par with what you would pay anywhere else in California.
Likewise, car insurance rates in San Pablo are often favorable when viewed against the rest of the country. The average monthly payment for the United States as a whole is about $26 more expensive than in San Pablo.
While these are the average monthly costs for auto insurance coverage in San Pablo, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for San Pablo to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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 behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in San Pablo may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. Male and female drivers in San Pablo, however, both pay the same monthly amount to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In San Pablo, having a single accident on your record will usually get you rates around $58 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $65.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$56|
The most affordable vehicles to insure in San Pablo are usually SUVs, which run about $50 per month.
Car owners can expect to pay an average of around $54 a month for their policy, while truck and van drivers are usually around $58 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. 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, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in San Pablo.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than drivers who own property in San Pablo. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance 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 before shopping for coverage.
In San Pablo, the rates for auto insurance had been decreasing from 2016-2018, before steadying out in 2019. Car insurance rates had been increasing again recently, hitting a high of $61 in 2021.
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 take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around where you live. These factors include things like:
- Regional crime rates
- Number of drivers in the community
- Access to off-street parking
- Road safety
- Community regulations
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in San Pablo?
Arming 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.
Luckily, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering auto coverage in San Pablo.
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 gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in San Pablo 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 local laws, parking situations, and crime rates 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 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 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to San Pablo or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.