San Clemente, CA Car Insurance

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:

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How much is car insurance in San Clemente?

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!

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Average Car Insurance Rates by Age

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

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

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

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

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

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.

Car Insurance Companies in San Clemente, CA

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.

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San Clemente Insurance FAQs

What factors affect car insurance quotes in San Clemente?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.

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.