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How do rates in Petaluma measure up compared to neighboring areas, including California as a whole? What can Petaluma residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Petaluma | $50 |
| CA | $56 |
| United States | $81 |
Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Petaluma than it is in the rest of California.
Likewise, car insurance rates in Petaluma are more affordable than the national average. It's about $31 cheaper than the national average to insure your vehicle in Petaluma.
Keep in mind that these are the average auto insurance rates for Petaluma, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Petaluma to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $77 |
| 25-34 | $47 |
| 35-44 | $40 |
| 45-54 | Not Enough Data |
| 55-64 | $39 |
| 65+ | $48 |
It would make sense that older drivers have more driving experience, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates begin to increase again in Petaluma.
Gender | Average |
|---|---|
| Male | $52 |
| Female | $48 |
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Petaluma, where male drivers pay about $4 more per month. As illustrated in the table above, female drivers in the area pay about $48 on average, while male drivers pay around $52 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $75 |
| Multiple Accidents | $69 |
| 1 Ticket | $53 |
| Multiple Tickets | $105 |
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Petaluma with a single accident on their record is about $75 a month. In addition, drivers with one ticket can expect to pay around $53 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $45 |
| 2-3 Years | $48 |
| 4-5 Years | $47 |
| 6-7 Years | $53 |
| 8-10 Years | $50 |
| 11-14 Years | $49 |
| 15 Years or Older | $51 |
As you can see in the first table above, the cheapest vehicles to insure in Petaluma are typically trucks and vans, which run about $46 per month.
Meanwhile, Petaluma drivers who own a car or SUV can expect to pay about $51 for insurance.
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, 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 Petaluma are vehicles six-to-seven years old.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $53 |
| Married | $43 |
| Divorced | $43 |
| Widowed | $46 |
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Petaluma follows that pattern, with the difference totaling to around $10 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $44 |
| Rent | $47 |
| Live with parents | $73 |
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Petaluma, expect to pay around $3 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for car insurance in Petaluma decreased from 2017-2018, before steadying out in 2019. They finished up in 2022, at $44 a month
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
Regional laws
Off-street parking availability
Total number of drivers
Crime
Road safety
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.
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.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Petaluma.
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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.
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Petaluma or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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