Table of contents
How much is car insurance in Adelanto?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Adelanto is about $4 cheaper than it is in the rest of California.
Likewise, when compared to the national average, the cost for auto insurance in Adelanto is lower. The average monthly payment in Adelanto is about $28 less than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Adelanto, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Adelanto residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $25 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Adelanto drivers may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Adelanto is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Adelanto with a single accident on their record is about $55 a month.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$65|
|15 Years or Older||$45|
The cheapest vehicles to insure in Adelanto are typically trucks and vans, with each type typically costing about $44 per month.
SUV drivers will see rates of about $52 for auto insurance coverage, while car owners usually pay around $54 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Adelanto, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Adelanto as well, where the difference is around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Adelanto. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Adelanto, CA
Recent trends in car insurance for Adelanto drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of auto insurance in Adelanto have been mixed as of late, it rose in 2016, dropped in 2018, and increased again in 2020, before finishing at $57 in 2021.
How does Adelanto compare to neighboring areas?
Why are car insurance rates in Adelanto different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Regional crime rates
- Rate of car accidents
- Total number of drivers in the community
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Adelanto?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Adelanto.
Adelanto Insurance FAQs
What factors affect car insurance quotes in Adelanto?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Adelanto different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Adelanto?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Adelanto?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Adelanto or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.