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How much is car insurance in Barstow?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Barstow is about $11 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Barstow is rather affordable. The average monthly payment in Barstow is about $36 cheaper than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Barstow, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down the average rate for Barstow residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, 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|
It's pretty safe to assume that the older you are, the longer you've been driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Barstow.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Barstow, although men do pay slightly less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Barstow with a single accident on their record will usually see rates around $66 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $52.
Accidents, tickets, and other driving infractions can really hurt your wallet. 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||$43|
|15 Years or Older||$39|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Barstow, with drivers paying around $35 per month for auto insurance coverage.
SUV drivers will see rates of about $37 for car insurance coverage, while car owners typically pay around $50 per month.
Vehicle age has an impact on the cost of your policy as well. 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 Barstow, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Barstow is no exception, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $1 a month more than homeowners in Barstow. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Barstow, CA
Recent trends in car insurance for Barstow drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Barstow, drivers paid about the same rate from 2017 to 2022. The rates for car insurance hit a high of $51 in 2017 and a low of $38 in 2021.
How does Barstow compare to neighboring areas?
Why are car insurance rates in Barstow different from other areas?
Car insurance companies will take into account several factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers in the region
- Road Safety (frequency of car accidents)
- Amount of off-street parking
- Area crime rates
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Barstow?
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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Barstow.
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Barstow Insurance FAQs
What factors affect car insurance quotes in Barstow?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Barstow different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Barstow?
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 Barstow?
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 Barstow 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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