Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
How does San Clemente stack up to the rest of the area, or even California as a whole? What rates can residents of San Clemente 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:
How much is car insurance in San Clemente?
Area | Average Monthly Car Insurance Premium |
---|---|
San Clemente | $53 |
CA | $56 |
United States | $81 |
According to the chart above, the rates you'll pay for coverage in San Clemente are about the same as what you would pay anywhere else in California.
When stacked up against the national average, the average monthly policy payment for San Clemente is more affordable. It's about $28 cheaper to insure your vehicle in San Clemente compared to the average rate for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for San Clemente, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for San Clemente residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
Age Range | Average Premium |
---|---|
Under 18 | Not Enough Data |
18-24 | $73 |
25-34 | $49 |
35-44 | $40 |
45-54 | $42 |
55-64 | $44 |
65+ | $44 |
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $29 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may creep back up in San Clemente.
Average Car Insurance Rates by Gender
Gender | Average |
---|---|
Male | $56 |
Female | $46 |
Car insurance rates for women are generally cheaper than they are for men. In San Clemente, the difference is around $10 a month. Based on the chart above, you can see that female drivers pay around $46 on average, while male drivers typically pay $56 each month.
Average Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
---|---|
1 Accident | $56 |
Multiple Accidents | $82 |
1 Ticket | $84 |
Multiple Tickets | $64 |
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In San Clemente, a driving record with a single accident will usually get you a rate around $56 a month. Similarly, drivers with one ticket will typically pay around $84 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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 | $62 |
2-3 Years | $50 |
4-5 Years | $60 |
6-7 Years | $55 |
8-10 Years | $51 |
11-14 Years | $55 |
15 Years or Older | $49 |
In San Clemente, the cheapest vehicles to insure are usually cars, with drivers paying around $51 per month for insurance.
SUV owners, on the other hand, by and large pay around $53 per month, while truck and van drivers can expect to pay about $62 a month for car insurance coverage.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In San Clemente, 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) | $56 |
Married | $45 |
Divorced | $44 |
Widowed | $40 |
More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in San Clemente is about $11 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
---|---|
Own | $46 |
Rent | $52 |
Live with parents | $72 |
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $6 a month more than drivers who own property in San Clemente. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Recent trends in car insurance for San Clemente drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of auto insurance coverage in San Clemente went up from 2017-2018, before leveling out in 2019. Policy premiums finished up in 2022, at $51 per month
How does San Clemente compare to neighboring areas?
Why are car insurance rates in San Clemente different from other areas?
Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
Area regulations
Total drivers
Local crime rates
Amount of off-street parking
Road Safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in San Clemente?
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.
Fortunately, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing plans in San Clemente.
San Clemente Insurance FAQs
Why is the cost of car insurance in San Clemente different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in San Clemente?
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 San Clemente?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to San Clemente or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
Related articles
)
The Cheapest Car Insurance in California (From $88)
)
The 10 Cheapest Cities for Car Insurance in California
)
A Guide to the CLCA Program
)
5 Best Home and Auto Insurance Bundles (2024)
)
Step-by-Step Guide to Shopping for Auto Insurance
)
The Best Car Insurance Advice From Reddit
)
Compare Car Insurance Quotes Online (from $16/mo.)
)
Why More Drivers Are Switching Car Insurance Companies

Cathedral City, CA Car Insurance Quotes for 2024

Carson, CA Car Insurance Quotes for 2024

Campbell, CA Car Insurance Quotes for 2024

Camarillo, CA Car Insurance Quotes for 2024

Burbank, CA Car Insurance Quotes for 2024

Buena Park, CA Car Insurance Quotes for 2024

Brentwood, CA Car Insurance Quotes for 2024

Brea, CA Car Insurance Quotes for 2024

Beverly Hills, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Berkeley, CA (from $113)

Bell Gardens, CA Car Insurance Quotes for 2024

Beaumont, CA Car Insurance Quotes for 2024

Azusa, CA Car Insurance Quotes for 2024

Antioch, CA Car Insurance Quotes for 2024

Aliso Viejo, CA Car Insurance Quotes for 2024

Adelanto, CA Car Insurance Quotes for 2024

El Monte, CA Car Insurance Quotes for 2024

El Cerrito, CA Car Insurance Quotes for 2024

Dublin, CA Car Insurance Quotes for 2024

Diamond Bar, CA Car Insurance Quotes for 2024

Cypress, CA Car Insurance Quotes for 2024

Cupertino, CA Car Insurance Quotes for 2024

Culver City, CA Car Insurance Quotes for 2024

Covina, CA Car Insurance Quotes for 2024

Concord, CA Car Insurance Quotes for 2024

Compton, CA Car Insurance Quotes for 2024

Colton, CA Car Insurance Quotes for 2024

Chino, CA Car Insurance Quotes for 2024

Chino Hills, CA Car Insurance Quotes for 2024

Chico, CA Car Insurance Quotes for 2024

Cerritos, CA Car Insurance Quotes for 2024

Ceres, CA Car Insurance Quotes for 2024

Lynwood, CA Car Insurance Quotes for 2024

Lompoc, CA Car Insurance Quotes for 2024

Lodi, CA Car Insurance Quotes for 2024

Lathrop, CA Car Insurance Quotes for 2024

Lake Forest, CA Car Insurance Quotes for 2024

Laguna Niguel, CA Car Insurance Quotes for 2024

La Quinta, CA Car Insurance Quotes for 2024

La Puente, CA Car Insurance Quotes for 2024

La Mirada, CA Car Insurance Quotes for 2024

La Mesa, CA Car Insurance Quotes for 2024

Hollister, CA Car Insurance Quotes for 2024

Hesperia, CA Car Insurance Quotes for 2024

Hemet, CA Car Insurance Quotes for 2024

Hanford, CA Car Insurance Quotes for 2024

Fountain Valley, CA Car Insurance Quotes for 2024

Folsom, CA Car Insurance Quotes for 2024

Fairfield, CA Car Insurance Quotes for 2024

Elk Grove, CA Car Insurance Quotes for 2024

Petaluma, CA Car Insurance Quotes for 2024

Pasadena, CA Car Insurance Quotes for 2024

Paramount, CA Car Insurance Quotes for 2024

Palo Alto, CA Car Insurance Quotes for 2024

Palm Springs, CA Car Insurance Quotes for 2024

Palm Desert, CA Car Insurance Quotes for 2024

Pacifica, CA Car Insurance Quotes for 2024

Oxnard, CA Car Insurance Quotes for 2024

Orange, CA Car Insurance Quotes for 2024

Oceanside, CA Car Insurance Quotes for 2024

Novato, CA Car Insurance Quotes for 2024

Norwalk, CA Car Insurance Quotes for 2024

Northridge, CA Car Insurance Quotes for 2024

Norco, CA Car Insurance Quotes for 2024

Newport Beach, CA Car Insurance Quotes for 2024

National City, CA Car Insurance Quotes for 2024

Napa, CA Car Insurance Quotes for 2024

Milpitas, CA Car Insurance Quotes for 2024

San Pedro, CA Car Insurance Quotes for 2024

San Mateo, CA Car Insurance Quotes for 2024

San Marcos, CA Car Insurance Quotes for 2024

San Luis Obispo, CA Car Insurance Quotes for 2024

San Leandro, CA Car Insurance Quotes for 2024

San Gabriel, CA Car Insurance Quotes for 2024

Roseville, CA Car Insurance Quotes for 2024

Ridgecrest, CA Car Insurance Quotes for 2024

Richmond, CA Car Insurance Quotes for 2024

Rialto, CA Car Insurance Quotes for 2024

Reseda, CA Car Insurance Quotes for 2024

Redlands, CA Car Insurance Quotes for 2024

Redding, CA Car Insurance Quotes for 2024

Rancho Cucamonga, CA Car Insurance Quotes for 2024

Poway, CA Car Insurance Quotes for 2024

Placentia, CA Car Insurance Quotes for 2024

Pittsburg, CA Car Insurance Quotes for 2024

West Sacramento, CA Car Insurance Quotes for 2024

Watsonville, CA Car Insurance Quotes for 2024

Walnut, CA Car Insurance Quotes for 2024

Vista, CA Car Insurance Quotes for 2024

Visalia, CA Car Insurance Quotes for 2024

Tulare, CA Car Insurance Quotes for 2024

Tracy, CA Car Insurance Quotes for 2024

Torrance, CA Car Insurance Quotes for 2024

Thousand Oaks, CA Car Insurance Quotes for 2024

Temple City, CA Car Insurance Quotes for 2024

Studio City, CA Car Insurance Quotes for 2024

South San Francisco, CA Car Insurance Quotes for 2024

Saratoga, CA Car Insurance Quotes for 2024

Santee, CA Car Insurance Quotes for 2024

Santa Rosa, CA Car Insurance Quotes for 2024

Santa Monica, CA Car Insurance Quotes for 2024

Santa Cruz, CA Car Insurance Quotes for 2024

Santa Clarita, CA Car Insurance Quotes for 2024

Santa Barbara, CA Car Insurance Quotes for 2024

San Ramon, CA Car Insurance Quotes for 2024

Yuba City, CA Car Insurance Quotes for 2024

Woodland, CA Car Insurance Quotes for 2024

Winnetka, CA Car Insurance Quotes for 2024

Wildomar, CA Car Insurance Quotes for 2024

West Hollywood, CA Car Insurance Quotes for 2024

Lancaster, CA Car Insurance Quotes for 2024

Irvine, CA Car Insurance Quotes for 2024

Inglewood, CA Car Insurance Quotes for 2024

Glendale, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Stockton, CA (From $100)

Santa Clara, CA Car Insurance Quotes for 2024
)
Cheap Car Insurance in Santa Ana for 2024 (From $75)
)
Cheapest Car Insurance in San Bernardino, CA (From $103)
)
Cheap Car Insurance in Riverside for 2024 (From $72)

Ontario, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Modesto, CA (from $97)

San Diego, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Oakland, CA (from $122)

Long Beach, CA Car Insurance Quotes for 2024
)
Cheap Car Insurance in Fresno for 2024 (From $68)
)
Cheap Car Insurance in Bakersfield for 2024 (From $64)
)
Cheapest Car Insurance Companies in Anaheim, CA (from $106)

San Jose, CA Car Insurance Quotes for 2024
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.
Learn more about us, our team, and what makes us tick.