San Mateo Car Insurance

The Zebra
May 30, 2018

Car Insurance in San Mateo

San Mateo premiums are 6% less than California's average, which is why the city is recognized for its economical premiums, so if you are insuring a vehicle in San Mateo, understanding premium costs is crucial. Who doesn't like to save money? Check out some methods to save on car insurance in San Mateo.

  • City Average: $1,602
  • State Average: $1,713
  • National Average: $1,427

San Mateo Car Insurance by Accident or Violation History

By knowing which driving mishaps can inflate the cost of car insurance rates, you can make better decisions and save money. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving offense in San Mateo have rates nearly triple the average for the city of $1,602. Being at-fault in an accident costs drivers an extra 57% per year to insure your vehicle in San Mateo.

  • DUI: $4,559
  • Reckless Driving: $4,559
  • At-fault Accident (damages less than $1000): $2,518
  • At-fault Accident (damages greater than $2000): $2,518
  • Speeding Ticket (16-20 mph over speed limit): $2,178

San Mateo Car Insurance by Age

Teenage drivers have the largest premiums out of all the age groups, with car insurance payments of $6,056 on average. Drivers in their 60s save money on insurance premiums, as they have the smallest rates among all age groups, paying only $1,378 annually. However, people in their 50s ($1,413) aren’t paying much more. When drivers hit their 20s in San Mateo, therefore moving out of the teenage age range, they can save 61%, which is the largest gap you'll see between any age group. When drivers turn 70, they will experience a premium increase related to their age for the first time.

  • Teenagers: $6,056
  • 20s: $2,354
  • 30s: $1,573
  • 40s: $1,524
  • 50s: $1,413
  • 60s: $1,378
  • 70s: $1,538

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San Mateo Car Insurance by Gender and Marital Status

Car insurance premiums in San Mateo differ based on your gender as well as marital status. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being married can save you an average of $69 per year compared to being single or divorced. Normally, females have premiums that are slightly more pricey than those for males.

  • Female: $1,604
  • Male: $1,602
  • Single: $1,602
  • Married: $1,533
  • Divorced: $1,602
  • Widowed: $1,539

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.