What are Average California Car Insurance Rates by City?
It probably comes as no surprise that where you live has a bear on what you pay and the average rates for car indemnity. however, a newly sketch that examines cable car indemnity rates in California suggests location may be an even greater pricing component than most people realize .
The analyze, commissioned by insuranceQuotes.com, examined the economic impingement of ZIP codes on cable car indemnity premiums throughout the state. Using a conjectural 45-year-old marry couple with a clean driving record and who own two cars, the study compared car insurance premiums by city, county and ZIP code—and the results are reasonably surprise .
According to the National Association of Insurance Commissioners, the average car indemnity premium in California was $ 746 for one fomite. So how did California cities compare to the average rate ?
The most expensive city is Beverly Hills, where the average car policy rate is 44 percentage higher than the state average. meanwhile, Morro Bay holds the distinction of being California ’ s cheapest city for car policy. Morro Bay residents pay 30 percentage less than the state average.
even within individual cities, policy premiums can vary widely depending on ZIP code. In Los Angeles, an indemnity agio for the like copulate can vary 33 percentage, depending where you live .
California Car Insurance Premiums in Primary Cities
Los Angeles residents pay 32 percentage higher than the average California car indemnity agio. Residents in San Francisco pay 8 percentage more than the country average – however, San Diego residents pay 11 percentage less than the express average .
Residents of California ’ sulfur capital city, Sacramento, wage 15 percentage more than the state average for their car insurance .
According to Rachel Jensen, associate guidance at the American Insurance Association, price differences between certain cities may be surprising to some consumers, but there ’ s a argue these disparities exist .
“ Geographic localization ( is ) used because it helps insurers accurately predict the potential for claims from physical damage, larceny and vandalism, ” Jensen says .
When an insurance company sets your premium, they besides take population concentration adenine well as the frequency and severity of claims in any given city into explanation, says Bob Passmore, film director of personal lines policy for the Property Casualty Insurers Association of America .
For case, the population of Los Angeles is 3.8 million, whereas the population of Morro Bay is equitable over 10,000. These figures are going to produce very different sets of claims data .
“ Simply put, if you live in a city where there are more people, there ’ mho besides going to be more traffic. And when there ’ s more traffic there are more accidents, ” Passmore says .
How Much is Car Insurance per month in California? cable car insurance will vary depending on your localization within California which can be seen below. however, on median the cost of California cable car indemnity for full coverage can range from $ 180 to $ 220 per calendar month depending on a few factors such as your driving history, etc. For minimum coverage you can expect to pay around $ 750 per year. Why are California Car Insurance Rates More Expensive? California car indemnity rates are typically more expensive because of a few factors such as high crime urban areas and multiple dumbly populate cities which are factors that affect a state of matter ’ sulfur modal car policy cost.
California Car Insurance Premiums by County
When it comes to insurance premiums by county, people living in cities in the cardinal third gear of the country can expect to pay the most. here are the three most expensive counties to buy car policy in California :
1. Los Angeles: 18 percentage higher than the state average .
2. Sacramento: 9 percentage higher .
3. San Francisco: 8 percentage higher .
And here are the three least expensive counties to buy cable car indemnity in California, starting with cheap :
1. San Luis Obispo: 25 percentage lower than the department of state average .
2. Inyo: 23 percentage lower .
3. Santa Barbara: 22 percentage lower .
“ I think this falls within the crop I ’ d expect, ” says Tully Lehman, spokesman for the Insurance Information Network of California. “ The counties that topped the list are generally more urban counties with more vehicles on the road. On the early hand, the low-lying three are broadly more rural, where you can drive and not see another car on the road for miles and miles. ”
California Auto Insurance Premiums by ZIP Code
Note: The ZIP codes used in this study are USPS designated ZIP codes.
possibly the most scheme line up of this survey is the way policy premiums can swing wide between ZIP codes within the lapp city. For exemplify, Los Angeles boasts a 34 percentage difference between its most expensive ZIP code, 90038 ( West Hollywood ) and its least expensive, 90045 ( Westchester ) .
here are the three most expensive L.A. ZIP codes :
1. 90038 (West Hollywood): 51 percentage higher than the state average .
2. 90006 (Pico Heights): 47 percentage higher .
3. 90015 (Downtown L.A): 47 percentage higher.
And here are the three cheapest L.A. ZIP codes, starting with the cheap :
1. 90045 (Westchester): 7 percentage higher than the state of matter average .
2. 90066 (Culver City / Mar Vista): 10 percentage higher .
3. 90040 (Commerce): 10 percentage higher .
The swings aren ’ t as meaning in some of California ’ s other big metro areas. In San Diego, residents of the most expensive ZIP code, 92105 ( Kensington ) entirely pay 20 percentage more than least expensive ZIP code, 92131 ( Scripps Ranch ) .
And in San Francisco, residents of the most expensive ZIP code, 94124 ( Bayview Heights ) pay just 14 percentage more than the least expensive ZIP code, 94123 ( the Marina ) .
“ It very comes down to the size of the city you ’ re talking about, ” Jensen says. “ In larger cities you ’ re going to have a larger swing between ZIP codes. In smaller cities, that version is credibly going to be less significant. ” It ’ sulfur always a effective theme to get multiple car indemnity quotes when shopping locally for a policy
Why Auto Insurance in California Is So Unique
In 1988 California voters passed Proposition 103, a ballot quantify that limited the factors policy companies could use when determining car rates, which included a banish on using credit rating scores. Since then, Lehman says insurance companies in the Golden State must base indemnity premiums on three primary factors :
- Driving safety record.
- Average miles driven per year.
- Years of driving experience.
After these factors are weighted, insurers can use extra factors to determine rates, including the type of vehicle driven, marital condition and ZIP code. so while a driver ’ second ZIP code international relations and security network ’ t one of the primary fink factors, it still plays a function in determining premiums .
“ Prop 103 forced insurance companies to look primarily at how we drive, not where we live. And if that hadn ’ thyroxine happened, you ’ five hundred be seeing much larger differentials from energy to zip up, ” says Doug Heller, an independent consumer advocate with the Consumer Federation of America. “ It didn ’ thyroxine deny insurance companies from using ZIP codes wholly, but it diminished their impact, which is ultimately adept for the consumer. ”
4 Tips to Reduce Your Car Insurance Rates in California
No matter which California ZIP code you call home, here are 4 tips to save money on car policy :
1. Shop around
According to Lehman, most consumers don ’ t think about their car indemnity frequently adequate, and this winds up costing them more money in the end .
“ Shopping for cable car indemnity should be something you do ( at least ) every two years, ” Lehman says. “ That doesn ’ triiodothyronine mean you have to switch companies every time, but there ’ mho constantly a casual that a better deal is out there. ”
2. Ask about discounts
many drivers may be entitled to discounts on their car indemnity coverage – but insurers typically won ’ thyroxine grant them mechanically so policyholders need to ask if they qualify for price breaks .
See also: Many drivers are missing out on cable car insurance discounts
It ’ mho constantly good to check in with your insurance company about discounts if you ’ re renewing your policy, or if you go through a meaning biography switch, like getting married. You may besides get a dismiss for :
- Getting good grades in school.
- Installing anti-theft devices.
- Taking a defensive driving course.
- Driving less than a mileage threshold that your insurer sets (typically up to 12,000 miles per year).
3. Drop your collision coverage
Lehman besides says that many drivers are carrying excessively much coverage .
“ Collision coverage is what pays for your cable car if it ’ s damaged in an accident, but it may be unnecessary, ” Lehman says. “ If your car is merely worth $ 2,000, and you have a $ 1,000 deductible for collision, it probably doesn ’ t make common sense to pay extra for that type of coverage. ”
It ’ south going to vary from vehicle to vehicle, but Lehman says dropping collision will probably result in saving about $ 300 a year.
4. Consider California’s low cost auto insurance program (CLCA)
Boasting annual premiums that start between $ 226 and $ 338, the CLCA was implemented in 2000 as a room to provide low-cost indebtedness insurance to California residents who might otherwise not be able to afford it. In order to qualify, drivers must have a good drive record, be at least 19 years erstwhile, have been licensed for at least three years, own a vehicle valued at $ 20,000 or less and meet the income eligibility requirements ( which, for a family of four, is earning less than $ 23,550 a class ) .
Data source: Quadrant Information Services
Auto Insurance by State