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How much is car insurance in Sonora?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Sonora is about $11 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Sonora is rather affordable. The average monthly payment in Sonora is about $35 less than the rate for the rest of the United States.
Keep in mind that these are the average auto insurance rates for Sonora, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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.
We've analyzed the average rate for Sonora and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Sonora drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Sonora, the difference is around $6 per month. As you can see in the table above, female drivers in the area typically pay $42 on average, while female drivers typically pay $48 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Sonora, a driving record with a single accident will usually get you a rate around $46 a month. Likewise, drivers with one ticket will be looking at a rate of around $78 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||$52|
|15 Years or Older||$42|
In Sonora, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $43 per month for auto insurance.
Car owners will see a monthly bill of about $44, 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. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Sonora are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Sonora is about $11 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $9 a month more than those who own their own home in Sonora. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Sonora, CA
Recent trends in car insurance for Sonora drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Sonora, the rates for auto insurance had been increasing from 2016-2017, before steadying out in 2018. Policy premiums finished up in 2021, at $46 per month
How does Sonora compare to neighboring areas?
Why are car insurance rates in Sonora different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- General road safety (how many accidents each locality has)
- Local regulations
- Crime rates
- Off-street parking accessibility
- Total amount of drivers in the area
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Sonora?
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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Sonora.
Sonora Insurance FAQs
What factors affect car insurance quotes in Sonora?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Sonora different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Sonora?
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 Sonora?
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 Sonora 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?