Watsonville, CA Car Insurance
Watsonville drivers pay, on average, around $48 a month for their car insurance. Learn more in our handy guide below.
Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
Updated
Why You Can Trust Compare.com: 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.
Advertiser Disclosure
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
Are rates in Watsonville higher or lower than those in neighboring areas? How do they compare to the rest of California? What rates should residents of Watsonville expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:
How much is car insurance in Watsonville?
Area | Average Monthly Car Insurance Premium |
|---|---|
| Watsonville | $48 |
| CA | $56 |
| United States | $81 |
Car insurance coverage in Watsonville is about $8 cheaper than it is in the rest of California.
Compared to the national average cost of auto insurance coverage, Watsonville has lower rates. The average monthly payment in Watsonville is about $33 less than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Watsonville, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've analyzed the average rate for Watsonville and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Find your best rate in just a few minutes
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Average Car Insurance Rates by Age
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $68 |
| 25-34 | $42 |
| 35-44 | $36 |
| 45-54 | $38 |
| 55-64 | $35 |
| 65+ | $40 |
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. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Watsonville drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Gender | Average |
|---|---|
| Male | $47 |
| Female | $48 |
On average, female drivers pay slightly less than male drivers for car insurance. In Watsonville, although men do pay a little bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $50 |
| Multiple Accidents | $71 |
| 1 Ticket | $47 |
| Multiple Tickets | $86 |
Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Watsonville, drivers with one accident on their record will experience rates around $50 a month. In addition, drivers with a single ticket on their record can expect to pay around $47 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $46 |
| 2-3 Years | $44 |
| 4-5 Years | $52 |
| 6-7 Years | $53 |
| 8-10 Years | $52 |
| 11-14 Years | $48 |
| 15 Years or Older | $46 |
According to the first table above, SUVs are typically the cheapest vehicles to insure in Watsonville, with drivers paying around $37 per month for insurance.
SUV owners, on the other hand, by and large pay around $37 a month, while truck and van drivers can expect to pay about $51 per month to insure their vehicle.
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. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Watsonville are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $50 |
| Married | $43 |
| Divorced | $36 |
| Widowed | $36 |
Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Watsonville, with married couples paying about $7 less per month.
Average Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
|---|---|
| Own | $46 |
| Rent | $47 |
| Live with parents | $53 |
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Watsonville, expect to pay around $1 a month more than if you own property. 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 and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Recent trends in car insurance for Watsonville drivers
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The cost of auto insurance in Watsonville had been decreasing from 2017-2019, before leveling out in 2020. Car insurance rates finished up in 2022, at $55 a month
How does Watsonville compare to neighboring areas?
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Why are car insurance rates in Watsonville different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
Number of car accidents
Local laws
Rate of crime
Total drivers
Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Watsonville?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Watsonville.
Watsonville Insurance FAQs
Why is the cost of car insurance in Watsonville different from other neighboring cities?
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 local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Watsonville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Watsonville?
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?
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 Watsonville 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?
About Compare.com
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.
)
)
)
)
)
)