San Ysidro, CA Car Insurance

Are rates in San Ysidro higher or lower than those in neighboring areas? How do they compare to the rest of California? What rates can residents of San Ysidro expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in San Ysidro?

Based on the chart above, you can see that it's about $21 a month cheaper to insure your vehicle in San Ysidro than it is in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in San Ysidro. It's about $46 cheaper to insure your vehicle in San Ysidro compared to the average rate for the United States as a whole.

While these are the average monthly costs for auto insurance coverage in San Ysidro, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for San Ysidro so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay around $19 more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. San Ysidro drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In San Ysidro, although women do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In San Ysidro, having a single accident on your record will usually get you rates around $53 a month. In addition, drivers with one ticket can expect to pay around $54 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in San Ysidro, with drivers paying around $33 per month for insurance coverage.

Truck and van drivers will see rates of about $34 for insurance coverage, while car owners usually pay around $36 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In San Ysidro, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. San Ysidro is no exception, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than homeowners in San Ysidro. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in San Ysidro, CA

Recent trends in car insurance for San Ysidro 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 in San Ysidro declined from 2017-2020, when it hit a low of $30. This pattern shifted in 2021, when it began to rise, and has continued moving in that direction through the present, where car insurance rates reached a high of $46 a month.

How does San Ysidro compare to neighboring areas?

Why are car insurance rates in San Ysidro different from other areas?

Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

• Rate of car accidents
• Total amount of drivers in the area
• Crime levels
• Access to off-street parking
• Regional laws

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 learn more.

How can I find the cheapest car insurance in San Ysidro?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in San Ysidro in no time.

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San Ysidro Insurance FAQs

What factors affect car insurance quotes in San Ysidro?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in San Ysidro different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in San Ysidro?

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to San Ysidro?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to San Ysidro or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.