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How much is car insurance in Watsonville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in California is about $8 a month more expensive than it is in Watsonville.
Likewise, the expected monthly payments for an auto insurance policy in Watsonville are below the national average. The average monthly payment for the United States as a whole is about $32 more expensive than in Watsonville.
While these numbers are the average rates for auto insurance in Watsonville, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down the average rates for Watsonville 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 if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may start to rise again in Watsonville.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Watsonville, although men do pay a bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Watsonville, drivers with one accident on their record will experience rates around $49 a month. Similarly, drivers with one ticket will typically pay around $47 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$45|
According to the first table above, the cheapest vehicles to insure in Watsonville are typically SUVs, at $38 per month.
Truck and van drivers will see rates of about $40 to insure their vehicle, while car owners by and large pay around $50 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Watsonville, vehicles four-to-five years old and eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Watsonville can be as much as $8 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Watsonville, expect to pay around $1 a month more than if you are a homeowner. But if you live with your parents, you 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 overall costs.
Car Insurance Companies in Watsonville, CA
Recent trends in car insurance for Watsonville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Watsonville went up from 2016-2017, when they hit a high of $53. This shifted in 2018, when they began to turn downward again. They finished down in 2021, at $37 a month
How does Watsonville compare to neighboring areas?
Why are car insurance rates in Watsonville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Rate of car accidents
- Off-street parking accessibility
- Amount of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Watsonville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Watsonville in no time.
Watsonville Insurance FAQs
What factors affect car insurance quotes in Watsonville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Watsonville different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Watsonville?
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 Watsonville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Watsonville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?