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How much is car insurance in Apple Valley?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in California is about $5 a month more expensive than it is in Apple Valley.
If you're thinking of moving to Apple Valley from out of state, you may still be in luck. The average monthly payment for the U.S. as a whole is about $29 more expensive than in Apple Valley.
While these are the average costs to insure your vehicle in Apple Valley, keep in mind that you could end up paying a different amount. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Apple Valley and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Apple Valley.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Apple Valley, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Apple Valley with a single accident will pay around $71 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$46|
In terms of affordable coverage, the cheapest vehicles to insure in Apple Valley are usually trucks and vans, at $43 per month.
Car owners will see a monthly rate of about $51, while SUV owners by and large pay around $54 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Apple Valley, 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)||$56|
Generally, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Apple Valley, the difference in rates based on relationship status can be as much as $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
One other element taken into consideration is your living situation. In Apple Valley, homeowners can expect to pay around $4 a month less than those who rent. 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 overall costs.
Car Insurance Companies in Apple Valley, CA
Recent trends in car insurance for Apple Valley drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of car insurance coverage in Apple Valley increased from 2016-2019, before leveling out in 2020. Policy premiums finished up in 2021, at $65 per month
How does Apple Valley compare to neighboring areas?
Why are car insurance rates in Apple Valley different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Road Safety (total number of local car accidents)
- Amount of off-street parking
- Prevalence of crime
- Local regulations
- Number of drivers
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Apple Valley?
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 will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Apple Valley.
Apple Valley Insurance FAQs
What factors affect car insurance quotes in Apple Valley?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Apple Valley different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Apple Valley?
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 Apple Valley?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Apple Valley or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.