Alhambra, CA Car Insurance

How does Alhambra stack up to the rest of the area, or even California as a whole? What rates can residents of Alhambra expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Alhambra?

Coverage for your vehicle in Alhambra will typically run you about $15 a month more than in the rest of California.

Compared to the rest of the country, auto insurance in Alhambra is more affordable. The average monthly payment for the United States as a whole is about $10 more expensive than in Alhambra.

While these numbers are the average rates for auto insurance in Alhambra, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Alhambra and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

The more time you have behind the wheel, the more experienced of a driver you should be. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $55 more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Alhambra.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly auto insurance coverage, the difference in Alhambra is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Alhambra with a single accident on their record is about $79 a month. In addition, drivers with one ticket can expect to pay around $123 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Alhambra, with drivers paying around $65 per month to insure their vehicle.

Car owners can expect to pay an average of around $72 a month for their policy, while SUVs usually cost around $71 a month to insure.

Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Alhambra, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Alhambra as well, where the difference is around $15 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Alhambra. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Alhambra, CA

Recent trends in car insurance for Alhambra drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Alhambra, car insurance rates went up from 2017-2018, before decreasing from 2019-2021. They finished down in 2022, at $58 a month.

How does Alhambra compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The specifics of your home address will have an impact on your personal policy. This might include things like:

• Off-street parking accessibility
• Amount of drivers in the area
• Area laws
• Local crime rates
• Rate of car accidents

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Alhambra?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Alhambra.

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Alhambra Insurance FAQs

What factors affect car insurance quotes in Alhambra?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

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?

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 Alhambra 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.