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How much is car insurance in Walnut Creek?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month cheaper to insure your vehicle in Walnut Creek than it is in the rest of California.
Similarly, the expected monthly payments for an auto insurance policy in Walnut Creek are below the national average. The average monthly payment for the U.S. as a whole is about $32 more expensive than in Walnut Creek.
Bear in mind that while these rates are the average costs for drivers in Walnut Creek, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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 in some cases, your credit score.
Don't worry, we've done the work for you and broken down average rates for Walnut Creek to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, 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|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Walnut Creek may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Walnut Creek is about $5 a month. Based on the chart above, you can see that male drivers pay $51 on average, while female drivers typically pay $46 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Walnut Creek with one accident will pay around $53 a month. In addition, drivers with one ticket can expect to pay around $70 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$53|
The cheapest vehicles to insure in Walnut Creek are typically SUVs, with each type typically costing about $41 per month.
Car owners, on the other hand, by and large pay around $51 per month, while truck and van drivers can expect to pay about $50 a month for insurance coverage.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Walnut Creek are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally, 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 that will often get you a discount.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Walnut Creek are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor that comes into play is your housing status. Renters can expect to pay around $5 a month more than those who own their own home in Walnut Creek. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Walnut Creek, CA
Recent trends in car insurance for Walnut Creek drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Walnut Creek, car insurance rates decreased from 2017-2020, when they reached a low of $41. Rates began to increase in 2021, and this trend has continued through 2022, when rates have most recently hit $47.
How does Walnut Creek compare to neighboring areas?
Why are car insurance rates in Walnut Creek different from other areas?
There are several 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 your home address. These include things like:
- Prevalence of crime
- Road Safety (frequency of local car accidents)
- Off-street parking availability
- Local laws
- Number of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Walnut Creek?
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.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Walnut Creek.
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Walnut Creek Insurance FAQs
What factors affect car insurance quotes in Walnut Creek?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Walnut Creek different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, 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 Walnut Creek?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Walnut Creek?
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 Walnut Creek or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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