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Get Cheap Car Insurance in San Pablo, CA
We monitor insurance prices, helping the average driver in San Pablo save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Pablo
The chart below shows the cheapest car insurance company in San Pablo for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| San Pablo Insurer | Monthly Cost |
|---|---|
| Metromile | $58 |
| Geico | $65 |
| Progressive | $70 |
| Travelers | $72 |
Savings for Every Kind of San Pablo Driver
Based on our extensive insurance data, we know the average San Pablo driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $734 per year by choosing the right vehicle insurance company. Some San Pablo residents are paying out over $2,296 extra every year for auto insurance in San Pablo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Pablo, CA Savings / Yr. |
|---|---|
$734 |
|
$1,345 |
|
$1,063 |
|
$1,868 |
|
$959 |
|
$416 |
|
$0 |
San Pablo Car Insurance vs. California
People living in San Pablo pay an average of 14.35% more than the typical driver in the state. The average driver in San Pablo can expect to pay about $1,075 per year, or $2,296 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Pablo for most people.
Car Insurance Prices by San Pablo Neighborhood
Insurance Prices
Where is insurance cheapest within San Pablo?
The map shows insurance prices in and around San Pablo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $478 per year within the city boundaries, with insurance premiums ranging from a high of $2,522 to a low of $2,044. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of San Pablo.Pick the Best Car Insurance Company for You in San Pablo
The best car insurance provider for most drivers in San Pablo
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $734 over the average San Pablo car insurance company.
The best car insurance provider for San Pablo drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,345 over the competition.
The best car insurance company for San Pablo drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,063 better than other car insurance companies.
The best auto insurance for San Pablo drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,868 less each year.
The least expensive car insurance company for new and young drivers in San Pablo
In San Pablo, State Farm costs young drivers $959 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Pablo
Progressive gave the largest car insurance discounts to married couples, averaging $416 saved each year compared to an average San Pablo couple's premiums.
The cheapest car insurance in San Pablo for drivers with bad credit
The best San Pablo car insurance company for customer service
Recent price drops
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The cheapest large national provider in San Pablo
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average San Pablo driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In San Pablo, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around San Pablo
What Influences the Cost of Car Insurance in San Pablo?
On average, car insurance in San Pablo is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in San Pablo is 46 minutes, which is far more than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in San Pablo are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- San Pablo is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in San Pablo is $90 per month for minimum coverage and $191 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- North Richmond: Insurance costs 0.52% less
- El Sobrante: Insurance costs 5.27% less
- Richmond: Insurance costs 1.00% more
- Pinole: Insurance costs 5.36% less
- El Cerrito: Insurance costs 5.36% less
- Hercules: Insurance costs 5.53% less
- Rodeo: Insurance costs 3.18% less
- Albany: Insurance costs 7.80% less
- Tormey: Insurance costs 6.05% more
- Berkeley: Insurance costs 6.75% less
Cities with Similar Populations
- Bellevue: Insurance costs 37.06% less
- West Des Moines: Insurance costs 47.39% less
- Laveen: Insurance costs 11.93% less
- Kenner: Insurance costs 54.44% more
- Lynwood: Insurance costs 4.83% more
- Biloxi: Insurance costs 21.95% less
- Cookeville: Insurance costs 42.29% less
- South San Francisco: Insurance costs 6.45% less
- Shawnee: Insurance costs 31.18% less
- Powder Springs: Insurance costs 9.54% less