At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Yuba City?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in Yuba City than it is in the rest of California.
Compared to the rest of the country, auto insurance in Yuba City is more affordable. Car insurance rates for the U.S. as a whole are, on average, $34 more expensive than the rates you'd pay in Yuba City.
Although these are the average monthly costs for an auto insurance policy in Yuba City, 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 insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Yuba City to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $35 more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Yuba City may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Yuba City, however, male and female drivers both pay about the same rate for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Yuba City, having a single accident on your record will usually get you rates around $69 a month. Similarly, drivers with one ticket will typically pay around $72 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$46|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Yuba City, with drivers paying around $43 per month for insurance.
The cost of auto insurance for car and SUV owners in Yuba City usually comes out to about $48 a month.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Yuba City, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Overall, 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.
At a national level, single drivers usually pay more than married couples do for auto insurance. Yuba City follows that pattern, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Yuba City. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Yuba City, CA
Recent trends in car insurance for Yuba City drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The rates for auto insurance in Yuba City had been increasing from 2017-2018, when they reached a high of $52. This shifted in 2019, when policy premiums began to decrease. They hit a low of $41 in 2021, and finished up in 2022, at $49 per month.
How does Yuba City compare to neighboring areas?
Why are car insurance rates in Yuba City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Number of drivers in the area
- Number of car accidents
- Regional laws
- Amount of off-street parking
- Area crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Yuba City?
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 has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Yuba City in no time.
Find your best rate in just a few minutes
Yuba City Insurance FAQs
What factors affect car insurance quotes in Yuba City?
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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Yuba City different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Yuba City?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Yuba City?
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?
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 Yuba 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.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes