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Yuba City, CA Car Insurance Costs

Yuba City, California, nestled in the heart of the Sacramento Valley, is a vibrant and diverse community that blends small-town charm with a growing urban landscape. Known for its rich agricultural heritage, Yuba City is often referred to as the “Prune Capital of the World,” with vast orchards of fruit trees adorning the surrounding countryside.

Yuba City offers well-maintained roadways and organized street layout that contribute to a smooth and efficient driving environment. Yuba City’s traffic flow is generally manageable, with less congestion compared to larger metropolitan areas. Drivers can enjoy the picturesque landscapes of the surrounding farmland and the nearby Feather River, which adds to the overall driving experience.

Drivers in Yuba City, CA have a few different car insurance coverage options when comparing free quotes and rates from local providers. We will break down the average auto insurance policy costs for Yuba City throughout this guide:

Which Company Has the Cheapest Car Insurance in Yuba City?

In Yuba City, CA are on average the cheapest auto insurance provider is GEICO and AAA. State minimum coverage starts at $50 monthly or $596 a year – Full coverage would cost $221 a month or $2,647 a year. Here is a breakdown of average costs from the cheapest local insurance providers near you for a used car driver who is single, middle aged and has a clean California driving record:

Insurance Company:Minimum Liability:Monthly:Fulll Coverage:Monthly:
GEICO$596$50$2,647$221
AAA$753$63$3,418$285
State Farm$1,041$87$3,885$324
Interinsurance Exchange$1,055$88$3,769$314
All State$1,364$114$4,510$376

California Insurance Costs for Different Used Vehicle Types:

To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Luxury Coupe$899$75$5,114$426
Hybrid Electric$963$80$3,688$307
SUV$963$80$2,983$249
Truck$1,075$90$4,061$338
Car (4door)$979$82$3,501$292

California Insurance Costs for New Cars

We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Car (4door)$980$82$4,277$356
Hybrid Electric$989$82$4,567$381
Luxury Coupe$968$81$6,434$536
SUV$1,018$85$3,607$301
Truck$1,110$93$4,885$407

Car Insurance Requirements in CA

In California cities the minimum coverage for car insurance and liability insurance required is:

How Does Age Affect Your Auto Policy Rates in California?

In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.

Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.

Here is a breakdown of the average costs for car insurance based on age in California:

Age:State Minimum:Monthly:Full Coverage:Monthly Cost:
17$2,605$217$8,215$685
18$2,338$195$7,690$641
20$1,645$137$5,770$481
22$1,341$112$4,817$401
24$1,234$103$4,472$373
29$1,044$87$3,797$316
34$1,003$84$3,652$304
39$998$83$3,579$298
44$991$83$3,517$293
49$967$81$3,421$285
54$967$81$3,384$282
64$945$79$3,189$266
74$1,112$93$3,489$291
76$1,201$100$3,659$305

Compare Rates from Other CA Cities

In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage:

CA City:Minimum Liability:Monthly:Full Coverage:Monthly:
Alhambra$1,312$109$5,319$443
Anaheim$1,123$94$4,603$384
Arden-Arcade$1,174$98$4,516$376
Bakersfield$982$82$4,314$359
Berkeley$977$81$4,200$350
Burbank$1,327$111$5,301$442
Carlsbad$959$80$4,076$340
Carson$1,128$94$4,789$399
Casa de Oro-Mount Helix$974$81$4,132$344
Chico$887$74$3,698$308
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