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How much is car insurance in Selma?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Selma are in line with rates across the rest of California.
Similarly, when compared to the national average, the cost for auto insurance in Selma is lower. Auto insurance coverage in Selma is about $27 cheaper than it is for the rest of the U.S.
These may be the average auto insurance rates for Selma, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Selma 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 certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $44 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Selma.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Selma, however, male and female drivers both pay, on average, $54 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Selma, drivers with one accident on their record will experience rates around $67 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $70.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$56|
|15 Years or Older||$46|
As you can see in the first table above, the cheapest vehicles to insure in Selma are typically trucks and vans, which run about $44 per month.
SUV drivers will see rates of about $53 for auto insurance coverage, while car owners by and large pay around $57 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. 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 rates begin to drop back down. In Selma, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
More often than not, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Selma, with married couples paying about $14 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Selma. 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 Selma, CA
Recent trends in car insurance for Selma drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for auto insurance in Selma decreased from 2017-2019, before leveling out in 2020. They fell again recently, reaching a low of $33 in 2022.
How does Selma compare to neighboring areas?
Why are car insurance rates in Selma different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Total amount of drivers in the community
- Off-street parking access
- Local crime rates
- Frequency of car accidents
- 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 Selma?
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.
But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Selma.
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Selma Insurance FAQs
What factors affect car insurance quotes in Selma?
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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Selma different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Selma?
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 Selma?
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 Selma 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.
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