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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?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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