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How much is car insurance in Carson?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Carson are about $4 a month more expensive than the rest of California.
On the flip side, the expected monthly payments for an auto insurance policy in Carson are below the national average. The average monthly payment for the United States as a whole is about $21 more expensive than in Carson.
Although these are the average rates for auto insurance in Carson, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've broken down average rates for Carson 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, 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|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Carson.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Carson is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay significantly less than those with infractions. In Carson, having a single accident on your record will usually get you rates around $79 a month. In addition, drivers with a single ticket on their record can expect to pay around $87 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$52|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Carson, with drivers paying around $53 per month to insure their vehicle.
Car owners can expect to pay an average of around $63 a month for their policy, while SUVs usually cost around $55 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Carson, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Carson as well, where the difference is around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in Carson. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Carson, CA
Recent trends in car insurance for Carson drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Auto insurance rates in Carson declined from 2017-2019, before steadying out in 2020. They finished up in 2022, at $59 a month
How does Carson compare to neighboring areas?
Why are car insurance rates in Carson different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Total amount of drivers in the area
- Prevalence of crime
- Frequency of car accidents
- Off-street parking accessibility
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Carson?
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 does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Carson.
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Carson Insurance FAQs
What factors affect car insurance quotes in Carson?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Carson 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 Carson?
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 Carson?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Carson or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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