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How much is car insurance in Castaic?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Castaic is in line with pricing for the rest of California.
On the flip side, when compared to the national average, the cost for auto insurance in Castaic is lower. It's about $23 cheaper to insure your vehicle in Castaic compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Castaic, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 analyzed the average rate for Castaic and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may rise again in Castaic.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Castaic bucks this trend. Female drivers typically pay around $20 more a month to insure their car than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. In Castaic, having a single accident on your record will usually get you rates around $96 a month. Likewise, drivers with one ticket will be looking at a rate of around $89 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$53|
According to the first table above, cars are usually the cheapest vehicles to insure in Castaic, with drivers paying around $54 per month for insurance.
SUV owners, on the other hand, typically pay around $71 per month, while truck and van drivers can expect to pay about $67 a month to insure their vehicle.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Castaic, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Castaic follows that pattern, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
One other element taken into consideration is your housing status. Renters can expect to pay around $16 a month more than those who own their own home in Castaic. 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 Castaic, CA
Recent trends in car insurance for Castaic 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.
The rates for auto insurance in Castaic decreased from 2017-2018, before leveling out in 2019. Car insurance rates dropped again recently, reaching a low of $52 in 2022.
How does Castaic compare to neighboring areas?
Why are car insurance rates in Castaic different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Regional regulations
- Number of drivers in the area
- Rate of car accidents
- Amount of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Castaic?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Castaic.
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Castaic Insurance FAQs
What factors affect car insurance quotes in Castaic?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Castaic different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Castaic?
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 Castaic?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Castaic 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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