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How much is car insurance in Brea?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Brea are about the same as what you would pay anywhere else in California.
If you're thinking of moving to Brea from out of state, you may still be in luck. The average monthly payment in Brea is about $25 cheaper than the rate for the rest of the United States.
While these are the average car insurance rates for Brea, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 broken down the average rates for Brea to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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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? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
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 creep back up in Brea.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. Male and female drivers in Brea, however, both pay around $56 per month for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Brea with one accident will pay around $67 a month. Similarly, drivers with one ticket will typically pay around $70 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$56|
The most affordable vehicles to insure in Brea are usually cars, which run about $55 per month.
SUV owners will see rates of about $56, while truck and van owners typically pay around $59 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Brea, the most expensive vehicles to insure are vehicles two-to-three years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Brea is about $10 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||$80|
Your housing status is another component of how insurance companies calculate your monthly rate. The average rates for both homeowners and renters in Brea are around $53 per month.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Brea, CA
Recent trends in car insurance for Brea drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Brea had been decreasing from 2017-2018, and again, from 2020-2021. Policy premiums finished down in 2022, at $50 per month.
How does Brea compare to neighboring areas?
Why are car insurance rates in Brea different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Total number of drivers
- Road safety
- Prevalence of crime
- 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. 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 Brea?
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.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Brea.
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Brea Insurance FAQs
What factors affect car insurance quotes in Brea?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Brea different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Brea?
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 Brea?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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, 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 Brea 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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