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How much is car insurance in Azusa?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of California are about $5 a month cheaper than the rates drivers pay in Azusa.
That being said, when compared to the national average, the cost for auto insurance in Azusa is lower. It's about $19 cheaper to insure your vehicle in Azusa compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Azusa, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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.
Don't sweat it however, we've broken down average rates for Azusa residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $38 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up once you hit retirement age in Azusa.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Azusa, where female drivers pay around $63 per month while male drivers pay about $59.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Azusa, drivers with one accident on their record will experience rates around $71 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $98.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$57|
In terms of affordable coverage, the cheapest vehicles to insure in Azusa are by and large trucks and vans, at $50 per month.
Car owners, on the other hand, usually pay around $63 per month, while SUV drivers can expect to pay about $53 a month for auto insurance.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Azusa are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Azusa follows that pattern, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Azusa can expect to pay around $9 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Azusa, CA
Recent trends in car insurance for Azusa drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Azusa, the rates for auto insurance went up from 2016-2017, when they hit a high of $73. Insurance rates started to turn downward in 2018, and this pattern has continued through 2021, when rates have most recently reached $52.
How does Azusa compare to neighboring areas?
Why are car insurance rates in Azusa 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 call home. These factors include things like:
- Total number of drivers in the region
- Area crime rates
- Off-street parking access
- Number of car accidents
- Community laws
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Azusa?
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.
But wait! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Azusa.
Azusa Insurance FAQs
What factors affect car insurance quotes in Azusa?
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, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Azusa different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Azusa?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Azusa?
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. 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 Azusa or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?