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How much is car insurance in Arcadia?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Arcadia is about $5 a month more expensive than the rest of California.
On the flip side, car insurance rates in Arcadia are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $20 more expensive than the rates you'd pay in Arcadia.
These rates may be the average amount Arcadia residents pay for their insurance policy, but 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.
Don't sweat it however, we've broken down average rates for Arcadia residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay a lot 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. As you get closer to retirement, however, you may see your rates start to rise again in Arcadia.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Arcadia, the difference in monthly rates is minimal.
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. Those with clean records will obviously pay significantly less than those with infractions. In Arcadia, drivers with one accident on their record will experience rates around $64 a month. Similarly, drivers with one ticket will typically pay around $68 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$61|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Arcadia, with drivers paying around $55 per month for insurance coverage.
Car owners will see a monthly rate of about $62, while SUV owners typically pay around $61 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Arcadia, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Arcadia, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $1 a month less than those who own their own home in Arcadia. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Arcadia, CA
Recent trends in car insurance for Arcadia 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 car insurance coverage in Arcadia declined from 2017-2019, before leveling out in 2020. Policy premiums finished up in 2022, at $68 per month
How does Arcadia compare to neighboring areas?
Why are car insurance rates in Arcadia different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Number of drivers in the region
- Area laws
- Off-street parking access
- Number of car accidents
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 Arcadia?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Simply enter your ZIP Code 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 providing policies in Arcadia.
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Arcadia Insurance FAQs
What factors affect car insurance quotes in Arcadia?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Arcadia different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Arcadia?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Arcadia?
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 Arcadia 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.
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