Table of contents
How much is car insurance in Woodland?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Woodland typically costs about $11 a month less than it does in the rest of California.
When stacked up against the national average, the average monthly policy payment for Woodland is more affordable. The average monthly payment for the U.S. as a whole is about $35 more expensive than in Woodland.
Although these are the average rates for auto insurance in Woodland, that doesn't mean it's exactly 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. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Woodland and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. In this case, 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. Once you hit retirement, however, your rates may creep back up in Woodland.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Woodland actually defies this trend. While female drivers pay $47 a month for auto insurance, males only pay about $41.
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. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Woodland with a single accident on their record is about $61 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $59.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$36|
|15 Years or Older||$44|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Woodland, with drivers paying around $39 per month to insure their vehicle.
Truck and van drivers will see rates of about $40, while the rates for car owners average out to about $46 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Woodland, 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)||$49|
Generally, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Woodland is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor that comes into play is your housing situation. Renters can expect to pay around $5 a month more than homeowners in Woodland. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Woodland, CA
Recent trends in car insurance for Woodland drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Woodland went up from 2016-2017, when they reached a high of $51. This trend shifted in 2020, when they began to decrease, and have continued moving in that direction through 2021, when policy premiums hit a low of $32 a month.
How does Woodland compare to neighboring areas?
Why are car insurance rates in Woodland different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Community laws
- Road safety
- Off-street parking availability
- Total number of drivers in the community
- Crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Woodland?
While getting familiar with 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.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Woodland.
Woodland Insurance FAQs
What factors affect car insurance quotes in Woodland?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Woodland different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Woodland?
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 Woodland?
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. 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 Woodland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?