How much does car insurance cost?

I’ve been living in San Francisco, but I got a new job outside of the city. The commute is starting to get time-consuming and it looks like driving would be faster. I’m thinking of getting a car, but I know I need to budget for car insurance. How much does car insurance cost?

Answer
“Congratulations on the new job!
There are a lot of factors that go into the price of car insurance, so your exact amount will vary. That said, finding an average can be easy based on shared traits of other insureds in your area.
Insurance rates are calculated using a number of personal history factors, such as your:
  • age
  • zip code
  • vehicle make and model
  • annual mileage
  • marital status
  • driving record
Because you live in San Francisco, I’ll go over the averages for California. California is a huge state, so rates do depend on where exactly you are.
The average for California is $2,339, which comes out to about $195 a month.
As long as you have a clean driving record and buy a reasonable car (avoid sport and luxury vehicles), then you’ll likely see your rates close to the average. If you were in a number of accidents in the past, if you’ve never driven before, if you didn’t have insurance for a time, or if you buy a brand new car, you will likely see higher rates.
The best way to budget is to get quotes from a number of companies. Pulling quotes is easy when you use the free Jerry app. Jerry pulls quotes from the top 50 companies in under a minute and delivers the best deals right to your phone, so you can step away from your budget and start daydreaming about what car to buy.”
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Lauren Smith
Answered on Aug 16, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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