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How much is car insurance in San Ramon?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in San Ramon is about $5 cheaper than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for San Ramon is more affordable. Car insurance rates for the United States as a whole are, on average, $29 more expensive than the rates you'd pay in San Ramon.
Bear in mind that while these rates represent the expected monthly payments for San Ramon drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rate for San Ramon residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up in San Ramon.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In San Ramon, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay less 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. In addition, drivers with a single ticket on their record can expect to pay around $90 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$54|
In San Ramon, the cheapest vehicles to insure are typically SUVs, with drivers paying around $48 per month to insure their vehicle.
Car owners, on the other hand, by and large pay around $51 per month, while truck and van drivers can expect to pay about $73 a month for car insurance coverage.
You may also see 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 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)||$55|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in San Ramon 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||$75|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in San Ramon, expect to pay around $2 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in San Ramon, CA
Recent trends in car insurance for San Ramon drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for car insurance in San Ramon had been decreasing from 2016-2017, before steadying out in 2018. Car insurance rates decreased again, hitting a low of $45 in 2020, and finished up at $46 in 2021.
How does San Ramon compare to neighboring areas?
Why are car insurance rates in San Ramon different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers in the region
- Road Safety (total number of local car accidents)
- Local regulations
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in San Ramon?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in San Ramon.
San Ramon Insurance FAQs
What factors affect car insurance quotes in San Ramon?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in San Ramon different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to San Ramon or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?