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Watsonville Car Insurance Rates Lower than Much of Bay Area

Compared to San Jose and San Francisco, car insurance rates in Watsonville are not too bad.

I often wonder if I'm paying too much for my car insurance. I don't drive anything fancy (a 1999 Dodge Intrepid, jealous?), but insurance is still expensive.

"Hey how much do you pay for car insurance?" — not the most polite question. Not one I walk around asking.

So when I got an email about this Nosy Neighbor tool I thought it was pretty cool to see, at least geographically, how my rates compare to my neighbors', and how much I might be paying if I lived somewhere else. 

Nosy Neighbor has pulled quotes across many of the nation's zip codes for a typical adult driver — a 40-year-old mam who drives 12 miles each way to work. Of course, the vast majority of drivers are not this archetype, but the 40-year-old man model shows a good average from which there isn't a huge amount of variance among different demographics as far as insurance premiums. 

Compared the rest of the Bay Area, insurance rates in Watsonville are pretty tame. Quotes from six national carriers show a range in yearly cost from $858 to $1,716. Rates are slightly lower in Scotts Valley, Capitola and Soquel. But farther north, particularly in San Jose and San Francisco, insurance prices skyrocket to nearly double the price of Santa Cruz County.

Check out how the local rates compare to other towns and cities from Gilroy up to Larkspur below.

City Lowest Quoted Rate Highest Quoted Rate Watsonville $858 $1,716 Capitola $806 $1,673 Soquel $821 $1,670 Scotts Valley $725 $1,709 Gilroy $806 $1,780 Morgan Hill $864 $1,818 Milpitas $823 $2,116 San Jose $823 $2,586 San Bruno $977 $2,679 San Francisco $981 $3,150 Corte Madera $944 $2,136 Larkspur $912 $1,974 Pinole $823 $2,354 Hercules $948 $2,430

According to the San Francisco Chronicle, the cheapest place to insure a car in the United States is rural Arizona, specifically Bullhead City, where the average price is $730 annually. Meanwhile, the Detroit suburbs are on the opposite end of the spectrum. The most expensive place in the country to insure a car is Highland Park Michigan, with an average yearly price of $4,214.

In California, Los Angeles County boasts the most expensive zip codes for car insurance, while Los Olivos, population 1,132, is the cheapest town in the state to keep a car protected. 

Doc December 04, 2012 at 04:56 PM
This is surprising considering all of the unlicensed drivers we have to share the road with in Watsonville - not to mention all the drunks and people talking on cell phones.
Carrie LaBlank December 04, 2012 at 10:18 PM
@Doc - you know good and well that those laws are not enforced in Watsonville, doing so would be racist in the eyes of the powers that be.
El Bang Bang December 05, 2012 at 02:30 AM
Does anyone in town have a drivers license?

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