California insurance rates vs. the remainder of the USA

The golden state isn’t proverbial for being an inexpensive place to live, however, once it involves car insurance in California, drivers relish lower premiums here than drivers in several different states. Golden State ranks close to the median — No. 22 — in average automobile insurance premiums, in keeping with the most recent knowledge from the National Association of Insurance Commissioners.

But a NerdWallet study finds that auto insurance Sacramento California rates vary considerably from town to town. The data, that averaged many potential drivers and cars, found rates ranged from a coffee of $813 a year in Santa Maria to a high of $1,380 in Glendale, with a median of $1,030.65 for all cities. (Your rates can vary supported your driving record, vehicle, driving habits, and different factors.)

Most expensive cities for car insurance in California2. Los Angeles County cities

The cities of Palmdale, Baldwin Park, bellflower and Downey conjointly created our list of most costly cities — likewise as last year’s NerdWallet list of the worst l. a. suburbs for commuters, that was supported average commute time and insurance price, among different factors. Palmdale, in northern l. a. County, was hierarchal the worst community for commuters in southern California, whereas the opposite 3 hierarchal among the worst 20.
Inglewood, El monte and Norwalk — 3 additional cities in l. a. The county with a number of the state’s highest average automobile insurance premiums — all created the U.S. Census Bureau’s 2013 list of most densely inhabited cities, which conjointly suggests serious traffic.
Auto repair prices play a task, too, in keeping with insurance agents. Body outlets in and around l. a. charge additional for repairs thanks to comparatively high rent and labor prices, Johnson says.
The salary required for an adult to form living in l. a. is $12.72 an hour, in keeping with the Massachusetts Institute of Technology’s pay Calculator — nearly 50 cents over the state average.

Northern Golden State cities
Only 3 Northern California cities rank among the 20 most costly for insurance, together with the Bay space cities of San Francisco (No. 12) and Richmond (No. 18). San Francisco is that the second-most densely inhabited town within the country and it conjointly encompasses a high rate of auto larceny of vi.51 thefts per 1,000 people, in keeping with the FBI.

Richmond’s larceny rate — 17.54 thefts per 1,000 individuals — is that the highest of any of the cities within the high twenty.

Sacramento is also among the foremost costly places to shop for insurance within the state, at No. 16, seemingly due — a minimum of partially — to a rate of seven.02 thefts per 1,000 people, that is on top of several different California cities.