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Cheap Car Insurance in Yuba City, CA

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Everything You Need to Know About Auto Insurance in California

Yuba City, California, was traditionally an agricultural city. But its location just 40 miles from Sacramento, the state capital, and its proximity to Beale Air Force Base opened the doors to numerous other industries. The municipality’s population continues to increase as new residents join this city with a mix of small-town vibes accompanied by every type of amenity you’d typically find in a city. A network of neighborhood parks, its location along the Yuba and Feather Rivers, and the Sutter Bike Trail, which overlooks the Sutter Buttes, provide lots of natural beauty and recreational opportunities.

But along with population growth comes additional vehicular and pedestrian traffic, which increases the risk of car accidents. It’s not just the law that anyone operating a vehicle must first obtain car insurance in California; it’s also the smart thing to do! Hopefully, you’ll never get into an accident in Yuba City or any part of the state, but if you do, the right coverage will provide you with the financial protection you need. Here are some more facts about costs, requirements, and other information about insurance in California.

How Much Does Car Insurance Cost in Yuba City, California?

Are you thinking about car insurance, particularly in California? Here’s what you need to know: for full coverage, the average annual cost is approximately $2,291. However, if you’re considering only the essential minimum coverage, it’s much more affordable, with an average yearly expense of around $636. These averages are higher than the national averages of $1,776 for full coverage insurance and $564 for basic coverage.

What Does Full vs. Minimum Mean?

In the Golden State, you’ve essentially got two main options for car insurance: “minimum coverage” and “full coverage.” Minimum coverage is all about meeting the legal requirements for driving in California. It’s comprised of bodily injury liability, which kicks in if you’re at fault in an accident, helping to cover injuries or deaths to others. Then, there’s property damage liability, which helps takes care of any damage your vehicle might inflict on someone else’s property.

The typical California coverage limits are often summed up as 15/30/5, translating to $15,000 per person for injuries, $30,000 per accident, and $5,000 for property damage. This isn’t much with today’s medical and repair costs, which is why many drivers choose to increase those limits.

On the flip side, full coverage is for those who want a more comprehensive safety net. It includes collision coverage, which deals with your vehicle’s repairs after a covered event, such as a crash. Comprehensive coverage is another part of full coverage, covering damages from non-collision incidents like theft or natural disasters. This option also includes the required liability insurance.

Another coverage many drivers opt for is uninsured/underinsured motorist, which is a lifesaver if you happen to get into an accident with someone whose insurance doesn’t quite cut it (or a hit-and-run). While opting for minimum coverage ensures you’re legally compliant, full coverage extends far beyond, offering a broader range of protection based on your individual needs and budget.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in California

Premium costs vary widely depending on where you live. Here’s a comparison of average monthly premiums in various California cities:

City Full Coverage Insurance Liability Insurance Coverage
Yuba City $173 $49
Los Angeles $239 $61
Sacramento $223 $63
San Francisco $215 $51
Weed $142 $35

Affordable Yuba City Car Insurance Rates by Zip Code

Even the zip code you live in can affect your policy costs. Here are the average monthly premiums in Yuba City based on its three zip codes:

Zip Code Full Coverage Insurance Liability Insurance Coverage
95991 $173 $49
95992 $176 $49
95993 $176 $49

Low-Cost Car Insurance Rates by Age in Yuba City

Age matters, especially when it comes to how much insurers charge for car coverage. Here’s a breakdown of premium costs based on age:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $435 $135
20s $198 $57
30s $166 $48
40s $160 $47
50s $155 $45
60s $154 $47
70s $174 $55

*Data for zip code and city comparisons was compiled assuming the driver is a male, age 30. Liability insurance coverage is based on California minimum requirements.

Driving Conditions in Yuba City

How Many Fatal Accidents Happen in Yuba City?

There were three fatal car accidents in Yuba City in 2021. Insurance carriers take into effect the accident rates of a given area when setting insurance rates, so the number of accidents in Yuba City may impact your rates.

How Are the Road Infrastructure and Bridges in Yuba City?

The governing body of Yuba City is constantly improving its infrastructure with other municipalities and the county, state, and federal governments. Turning Bridge Street into a four-lane highway will enhance travel to neighboring Marysville, where the college and many businesses servicing Yuba City are located. A walking bridge will be constructed on the Feather River Parkway to help pedestrians cross over a natural drainage area. There’s an outstanding proposal to replace the antiquated 5th Street Bridge, one of only two bridges that cross the 40-mile Feather River.

Minimum Car Insurance Requirements in Yuba City, CA

Yuba City’s minimum coverage requirements for putting a car on the road include $15,000 for bodily injury or the death of a single person, $30,000 for the injury or death of multiple individuals, and $5,000 for property damage.

What Are the Penalties for Driving Without Insurance in Yuba City?

It’s not a great idea to hit the road in Yuba City without a policy that meets state requirements. Uninsured drivers can face some or all of the following penalties:

  • Fines of $100 to $250 for first offenders
  • Fines of $200 to $500 for second offenders
  • License suspension
  • Vehicle impoundment
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Factors Allowed in Yuba City Car Insurance Rates

There are endless factors insurers look at that explain reasons why your car insurance is so high. While every state has its own set of laws, here are some that are allowed in California:

  • Age
  • Driving history
  • Location
  • Type of vehicle
  • Deductible amount
  • Coverage amount
  • Marital status
  • Education

Auto Insurance Rates for Young Drivers vs. Older People in Yuba City

As noted in the chart above, teens pay among the highest rates for coverage. Because of their lack of experience, insurers have no past history to look at and they have the high risk of getting into an accident.

As drivers gain experience, they pose less of a risk of causing a mishap on the road. As a result, from their 20s through their 60s, drivers will see policy costs decline gradually. Once they hit their 70s, they won’t be as sharp as younger drivers and will see their premiums increase slightly.

What Are the Best Discounts for Car Insurance in Yuba City, California?

Everyone loves a deal, and there is no lack of insurance discounts in Yuba City. Freeway Insurance agents can discuss the many options that are available to you, but here are a few to get you started:

Get an Online Quote for Car Insurance in Yuba City Today!

Yuba water tower in California.

Yuba City is a great place to live and a safe place to drive, but accidents do happen. Protect yourself and your family with the best, most affordable coverage by contacting one of our expert agents at Freeway Insurance.

Get started with a quote online, visit us at an office near you, or call us at (800) 777-5620 for a quote.