Suisun City, CA Car Insurance

Are rates in Suisun City higher or lower than those in neighboring areas? How do they compare to the rest of California? How much can residents of Suisun City expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Suisun City?

The cost of coverage in Suisun City is about $9 a month cheaper than it is for the rest of California.

Likewise, the expected monthly payments for an auto insurance policy in Suisun City are below the national average. Car insurance rates for the United States as a whole are, on average, $34 more expensive than the rates you'd pay in Suisun City.

Keep in mind that while these are the average car insurance rates for Suisun City, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month 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 the average rate for Suisun City residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

The older you are, the more experience you're likely to have on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Suisun City drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Suisun City is only about $2 per month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Suisun City with a single accident on their record will usually see rates around $60 a month. Similarly, drivers with one ticket will typically pay around $75 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Suisun City, with drivers paying around $43 per month for auto insurance coverage.

Car owners can expect to pay an average of around $47 a month for their policy, while SUVs usually cost around $52 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Suisun City, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally speaking, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Suisun City is about $8 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Suisun City. But those who live at home with their parents can expect to pay significantly 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 Suisun City, CA

Recent trends in car insurance for Suisun City drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Auto insurance rates in Suisun City went up from from 2017-2018, when they hit a high of $53. This changed in 2019, when insurance rates started to decrease. They reached a low of $40 in 2020, and finished down in 2022, at $44.

How does Suisun City compare to neighboring areas?

Why are car insurance rates in Suisun City different from other areas?

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

• Road Safety (total number of local car accidents)
• Total number of drivers in the area
• Local laws
• Access to off-street parking
• Regional crime rates

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Suisun City?

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

Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Suisun City.

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Suisun City Insurance FAQs

What factors affect car insurance quotes in Suisun City?

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 driving record, credit score, marital status, and address.

Why is the cost of car insurance in Suisun City different from other neighboring cities?

Crime rates, local laws, 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 Suisun City?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Suisun City?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Suisun City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.