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How much is car insurance in San Pedro?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in San Pedro are about $4 a month more expensive than the rest of California.
If you're thinking of moving to San Pedro from out of state, you may still be in luck. The average monthly payment in San Pedro is about $20 cheaper than the rate for the rest of the U.S.
Although these are the average car insurance rates in San Pedro, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month 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 average rates for San Pedro residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in San Pedro.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in San Pedro totals about $8 a month. As illustrated in the table above, male drivers in the area pay about $64 on average, while female drivers pay around $56 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in San Pedro with a single accident on their record will usually see rates around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $107.
Accidents, tickets, and other driving infractions can really hurt your wallet. 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||$61|
|15 Years or Older||$56|
The cheapest vehicles to insure in San Pedro are by and large trucks and vans, with each type typically costing about $51 per month.
SUV drivers will see rates of about $62, while the rates for car owners average out to about $61 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In San Pedro, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
On average, people who are married will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in San Pedro reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $3 a month less than drivers who own property in San Pedro. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in San Pedro, CA
Recent trends in car insurance for San Pedro drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The rates for auto insurance in San Pedro increased from 2016-2017, before leveling out in 2018. Insurance rates went up again, reaching a high of $73 in 2020, and finished down at $50 in 2021.
How does San Pedro compare to neighboring areas?
Why are car insurance rates in San Pedro different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Prevalence of crime
- Road Safety (frequency of local car accidents)
- Off-street parking accessibility
- Number of drivers in the community
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Pedro?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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 can handle all of this for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in San Pedro.
San Pedro Insurance FAQs
What factors affect car insurance quotes in San Pedro?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in San Pedro different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Pedro?
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 Pedro?
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 Pedro 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.