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How much is car insurance in Apple Valley?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Apple Valley is about $4 cheaper than it is in the rest of California.
If you're thinking of moving to Apple Valley from out of state, you may still be in luck. You can expect to pay about $29 below the national average for auto insurance in Apple Valley.
Although these are the average rates for auto insurance in Apple Valley, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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.
We've done the heavy lifting for you and broken down the average rate for Apple Valley so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Apple Valley drivers may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Apple Valley is around $4 per month. Based on the chart above, you can see that female drivers pay around $50 on average, while male drivers typically pay $54 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Apple Valley with a single accident on their record is about $70 a month. In addition, drivers with one ticket can expect to pay around $60 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$91|
|15 Years or Older||$46|
As you can see in the first table above, the cheapest vehicles to insure in Apple Valley are usually trucks and vans, which run about $44 per month.
Meanwhile, Apple Valley drivers who own a car or SUV can expect to pay about $53 for insurance.
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 around 5 years old, however, you may see your rates begin to drop back down. In Apple Valley, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
More often than not, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are 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 Apple Valley as well, where the difference is around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$54|
Another factor taken into consideration is your housing situation. In Apple Valley, homeowners can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Apple Valley, CA
Recent trends in car insurance for Apple Valley drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance in Apple Valley rose from 2017-2019, before steadying out in 2020. Car insurance rates finished down in 2022, at $50 a month
How does Apple Valley compare to neighboring areas?
Why are car insurance rates in Apple Valley different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Regional laws
- Crime levels
- General road safety (how many accidents each locality has)
- Number of drivers in the region
- Access to off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Apple Valley?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Apple Valley.
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Apple Valley Insurance FAQs
What factors affect car insurance quotes in Apple Valley?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record 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?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Apple Valley or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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