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How much is car insurance in San Rafael?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| San Rafael | $52 |
| CA | $56 |
| United States | $81 |
According to the chart above, the average cost of auto insurance in California is about $4 a month more expensive than it is in San Rafael.
Drivers relocating from out of state may enjoy some cost savings in San Rafael. It's around $29 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for San Rafael, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've analyzed the average rate for San Rafael and broken down the different factors to help you understand what your monthly bill might look like. 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!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $89 |
| 25-34 | $49 |
| 35-44 | $45 |
| 45-54 | $44 |
| 55-64 | $41 |
| 65+ | $44 |
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $45 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may climb back up a bit in San Rafael.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $52 |
| Female | $51 |
In general, women pay slightly less for car insurance than men. In San Rafael, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $79 |
| Multiple Accidents | $68 |
| 1 Ticket | $54 |
| Multiple Tickets | $78 |
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in San Rafael with a single accident on their record is about $79 a month. Likewise, drivers with one ticket will be looking at a rate of around $54 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $51 |
| 2-3 Years | $44 |
| 4-5 Years | $47 |
| 6-7 Years | $55 |
| 8-10 Years | $51 |
| 11-14 Years | $53 |
| 15 Years or Older | $53 |
In San Rafael, the cheapest vehicles to insure are by and large cars, with drivers paying around $51 per month for auto insurance coverage.
SUV owners, on the other hand, usually pay around $57 a month, while truck and van drivers can expect to pay about $52 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In San Rafael, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $58 |
| Married | $39 |
| Divorced | $42 |
| Widowed | $35 |
On average, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in San Rafael is about $19 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $51 |
| Rent | $50 |
| Live with parents | $75 |
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $1 a month less than homeowners in San Rafael. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in San Rafael, CA
Recent trends in car insurance for San Rafael 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.
The cost of car insurance coverage in San Rafael went up from 2017-2018, before leveling out in 2019. Insurance rates finished up in 2022, at $60 a month
How does San Rafael compare to neighboring areas?
Why are car insurance rates in San Rafael different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Access to off-street parking
- General road safety (how many accidents each locality has)
- Prevalence of crime
- Community regulations
- Amount 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. 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 Rafael?
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.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in San Rafael.
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San Rafael Insurance FAQs
What factors affect car insurance quotes in San Rafael?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in San Rafael different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in San Rafael?
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 Rafael?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Rafael 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?
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