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How much is car insurance in San Ramon?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in San Ramon is about $4 a month cheaper.
Similarly, car insurance rates in San Ramon are more affordable than the national average. The average monthly payment in San Ramon is about $29 less than the rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for San Ramon and broken down the different factors to help you understand what your policy's monthly premium will be. 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|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may start to rise again in San Ramon.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While this isn't true in San Ramon, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in San Ramon with a single accident on their record will usually see rates around $66 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$56|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in San Ramon, with drivers paying around $47 per month for auto insurance.
Truck and van drivers will see rates of about $73 for car insurance coverage, while SUV owners usually pay around $47 a month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In San Ramon, 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)||$56|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for San Ramon as well, where the difference is around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
One other element taken into consideration is your housing situation. Renters can expect to pay around $4 a month more than those who own their own home in San Ramon. 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 premiums, depending on your insurance company.
Car Insurance Companies in San Ramon, CA
Recent trends in car insurance for San Ramon drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of insurance in San Ramon have been mixed as of late, it increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $58 in 2022.
How does San Ramon compare to neighboring areas?
Why are car insurance rates in San Ramon different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Road Safety (frequency of local car accidents)
- Total number of drivers in the region
- Off-street parking access
- Regional regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Ramon?
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.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in San Ramon.
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San Ramon Insurance FAQs
What factors affect car insurance quotes in San Ramon?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in San Ramon 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 Ramon?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Ramon?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Ramon 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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