San Mateo Car Insurance

How much does auto insurance cost in San Mateo?


Car insurance coverage costs an average of $1,793 each year in San Mateo. That's cheaper than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in San Mateo.


SAN MATEO AUTO INSURANCE RATES
San Mateo Average (annual)California AverageU.S. Average
$1,793$1,868$1,548

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San Mateo auto insurance rates by insurer


One of the most important determinants of your car insurance rates is the insurance company you work with. In San Mateo, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in San Mateo — but don't forget to get personalized car insurance quotes to match your driving profile.


SAN MATEO CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$1,163
AAA$1,442
Mercury$1,476
Alliance$1,902
Allstate$1,902

Consult our expert guide to finding the best cheap car insurance.



San Mateo auto insurance premiums by age

San Mateo drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $1,614per year, on average. Those in their age_50s don't pay significantly more ($1,615).

Teenage drivers pay San Mateo's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in San Mateo is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in San Mateo is $4,042, the largest such difference between any two age groups.


CAR INSURANCE RATES BY AGE TIER IN SAN MATEO
Age bracketAverage Annual Rate
Teenagers$6,706
20s$2,664
30s$1,745
40s$1,689
50s$1,615
60s$1,614
70s$1,887

Learn more about how age influences auto insurance rates.



San Mateo auto insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in San Mateo pay $74 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In San Mateo, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In San Mateo, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.


INSURANCE RATES IN SAN MATEO BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,796
Male$1,793
Single$1,719
Married$1,719
Divorced$1,793
Widowed$1,746

Learn more about how gender and marital status have on auto insurance rates.



San Mateo car insurance premiums by citation and accident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In San Mateo, a reckless driving citation results in an average insurance rate increase of $3,010 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,898 increase and a speeding ticket triggers a $729 rate hike.


SAN MATEO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DUI/DWI$4,691
Reckless Driving$4,803
At-fault Accident (damages < $1,000)$1,802
At-fault Accident (damages greater than $2,000)$3,157
Speeding Ticket (16-20 mph over speed limit)$2,522

Learn more about how citations can raise your auto insurance rates.



San Mateo car insurance rates by credit tier


A driver's credit level can be closely correlated with their auto insurance rates. San Mateo drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In San Mateo, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.


SAN MATEO AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Annual Rate
Very Poor$1,793
Fair$1,793
Good$1,793
Very Good$1,793
Exceptional$1,793

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.