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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 $10 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Barstow is rather affordable. It's about $34 cheaper to insure your vehicle in Barstow compared to the average rate for the United States as a whole.
Keep in mind that while these are the average car insurance rates for Barstow, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for Barstow to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up a bit once you hit retirement age 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 a little bit less on their monthly insurance rates, 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|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Barstow with a single accident on their record will usually see rates around $71 a month.
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||$42|
|15 Years or Older||$38|
According to the first table above, the cheapest vehicles to insure in Barstow are usually trucks and vans, at $34 per month.
SUV drivers will see rates of about $37, while the rates for car owners average out to about $51 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Barstow, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Barstow is about $6 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Barstow. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average 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 choosing when and where to shop.
In Barstow, auto insurance rates increased from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $41 a month
How does Barstow compare to neighboring areas?
Why are car insurance rates in Barstow different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you call home. These factors include things like:
- Number of car accidents
- Off-street parking accessibility
- Crime rates
- Community regulations
- Amount of drivers in the area
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Barstow?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Barstow.
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 like your gender and age, 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 Barstow 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, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Barstow?
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 Barstow?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Barstow or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.