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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 $5 a month more expensive than the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in San Pedro is rather affordable. Car insurance rates for the United States as a whole are, on average, $20 more expensive than the rates you'd pay in San Pedro.
While these are the average car insurance rates for San Pedro, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 even your credit score depending on the circumstances.
We've broken down the average rates for San Pedro to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $50 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates rise again in San Pedro.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In San Pedro, male drivers pay about $7 more per month. Based on the chart above, you can see that male drivers pay $65 on average, while female drivers typically pay $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In San Pedro, drivers with one accident on their record will experience rates around $79 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $82.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$59|
The cheapest vehicles to insure in San Pedro are by and large trucks and vans, with each type typically costing about $52 per month.
Car owners, on the other hand, typically pay around $63 a month, while SUV drivers can expect to pay about $62 per month for auto insurance coverage.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in San Pedro are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. San Pedro is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
One other element taken into consideration is your housing situation. Renters can expect to pay around $1 a month more 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.
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 Pedro, CA
Recent trends in car insurance for San Pedro drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In San Pedro, the rates for auto insurance increased from 2019-2020, when they hit a high of $73. This pattern changed in 2021, when they began to decrease, and have continued moving in that direction through the present -- when rates reached a low of $60 a month.
How does San Pedro compare to neighboring areas?
Why are car insurance rates in San Pedro different from other areas?
There are several 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 live and drive. These include things like:
- Off-street parking availability
- Rate of car accidents
- Local laws
- Number of drivers in the area
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. 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in San Pedro in no time.
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San Pedro Insurance FAQs
What factors affect car insurance quotes in San Pedro?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in San Pedro different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, 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?
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 Pedro 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.
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