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How much is car insurance in Azusa?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Azusa are about $5 a month more expensive than the rest of California.
If you're thinking of moving to Azusa from out of state, you may still be in luck. The average monthly payment in Azusa is about $20 cheaper than the rate for the rest of the United States.
These may be the average auto insurance rates for Azusa, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Azusa to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in Azusa.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay a bit less than female drivers on their monthly auto insurance coverage, the difference in Azusa is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Azusa, having a single accident on your record will usually get you rates around $78 a month. In addition, drivers with a single ticket on their record can expect to pay around $84 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$62|
|15 Years or Older||$56|
According to the first table above, the cheapest vehicles to insure in Azusa are by and large trucks and vans, at $54 per month.
Car owners will see a monthly premium of about $62, while SUV owners usually pay around $60 a month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Azusa, 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)||$64|
On average, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Azusa, with married couples paying about $13 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Azusa. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Azusa, CA
Recent trends in car insurance for Azusa drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Azusa, the rates for car insurance decreased from 2017-2020, when they hit a low of $54. This leveled out in 2021, when rates started to rise. This pattern has continued through the present, where rates recently reached $71.
How does Azusa compare to neighboring areas?
Why are car insurance rates in Azusa different from other areas?
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Access to off-street parking
- Total amount of drivers in the area
- Road safety
- Local regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Azusa?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Azusa.
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Azusa Insurance FAQs
What factors affect car insurance quotes in Azusa?
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 gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Azusa 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 Azusa?
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 Azusa?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Azusa 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.
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