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How much is car insurance in Baldwin Park?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Baldwin Park is in line with pricing for the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Baldwin Park is rather affordable. It's about $22 cheaper than the national average to insure your vehicle in Baldwin Park.
While these are the average monthly costs for auto insurance coverage in Baldwin Park, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Baldwin Park and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Baldwin Park.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Baldwin Park, the difference is around $5 a month. As you can see in the table above, female drivers in the area typically pay $56 on average, while female drivers typically pay $61 each 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 significantly lower rates than those with infractions. In Baldwin Park, a driving record with a single accident will usually get you a rate around $76 a month. Likewise, drivers with one ticket will be looking at a rate of around $80 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$61|
In terms of affordable coverage, the cheapest vehicles to insure in Baldwin Park are typically trucks and vans, at $49 per month.
Car owners can expect to pay an average of around $62 a month for their policy, while SUVs usually cost around $50 a month to insure.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Baldwin Park, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, those who have settled down into marriage 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.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Baldwin Park, with married couples paying about $18 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $2 a month more than drivers who own property in Baldwin Park. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Baldwin Park, CA
Recent trends in car insurance for Baldwin Park drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of car insurance coverage in Baldwin Park went up from 2017-2018, where it reached a high of $72, before leveling out in 2019. Car insurance rates rose again in 2020, and finished down at $55 in 2022.
How does Baldwin Park compare to neighboring areas?
Why are car insurance rates in Baldwin Park different from other areas?
There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Local crime rates
- Road Safety (frequency of car accidents)
- Off-street parking accessibility
- Total amount of drivers in the community
- Regional regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Baldwin Park?
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.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Baldwin Park.
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Baldwin Park Insurance FAQs
What factors affect car insurance quotes in Baldwin Park?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Baldwin Park different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Baldwin Park?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Baldwin Park?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Baldwin Park 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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