﻿ Petaluma, CA Car Insurance Rates for 2021 | Compare.com

Petaluma, CA Car Insurance

On average, drivers in Petaluma pay around $51 per month for their car insurance. To learn more about policy rates and coverage in the Petaluma area, continue reading our guide below.
What can Petaluma residents expect to pay for their car insurance? How do rates in Petaluma measure up compared to neighboring areas, including California as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Petaluma?

Area Average Monthly Car Insurance Premium
United States$80

Based on the above chart, auto insurance policies in Petaluma are about $5 a month cheaper than in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in Petaluma. You can expect to pay about $29 below the national average for auto insurance in Petaluma.

While these numbers represent the average monthly payments for coverage in Petaluma, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Petaluma residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
45-54Not Enough Data

The more time you've spent on the road, the more experience you have. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $28 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up a bit in Petaluma.

Average Car Insurance Rates by Gender

Gender Average

In general, car insurance rates for women are usually cheaper than they are for men. In Petaluma, the difference is around $5 per month. As you can see in the table above, male drivers in the area typically pay $53 on average, while female drivers typically pay $48 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$72
1 Ticket$77
Multiple Tickets$106

Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Petaluma, a driving record with one accident will usually get you a rate around $73 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $77.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$39
2-3 Years$48
4-5 Years$48
6-7 Years$54
8-10 Years$51
11-14 Years$49
15 Years or Older$52

The most affordable vehicles to insure in Petaluma are usually trucks and vans, which run about $44 per month.

Car owners can expect to pay an average of around $51 a month for their policy, while SUVs usually cost around $52 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is around 5 years old. In Petaluma, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Petaluma can be as much as $9 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$74

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Petaluma. But if you live with your parents, you can expect to pay a lot more.


Car Insurance Companies in Petaluma, CA

Recent trends in car insurance for Petaluma drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

Auto insurance rates in Petaluma had been increasing from 2016-2017, before steadying out in 2018. They finished down in 2021, at $43 a month

How does Petaluma compare to neighboring areas?

Why are car insurance rates in Petaluma different from other areas?

Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Number of drivers in the area
  • Road Safety (total number of local car accidents)
  • Laws
  • Crime levels
  • Access to off-street parking


How can I find the cheapest car insurance in Petaluma?


But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Petaluma.

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Petaluma Insurance FAQs

What factors affect car insurance quotes in Petaluma?


Why is the cost of car insurance in Petaluma different from other neighboring cities?


Which car insurance company will offer me the cheapest rate in Petaluma?


Do I need to change my insurance if I move to Petaluma?



Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Petaluma or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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