Cathedral City, CA Car Insurance

Drivers in Cathedral City pay, on average, $45 a month for their car insurance. To learn more about policy rates and coverage in the Cathedral City area, continue reading our guide below.
Compared to their surrounding area, how do rates in Cathedral City stack up? What about against the rest of California? What rates should residents of Cathedral City expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Cathedral City?

Area Average Monthly Car Insurance Premium
Cathedral City$45
CA$56
United States$80

The cost of coverage in Cathedral City is about $11 a month cheaper than it is for the rest of California.

When stacked up against the national average, the average monthly policy payment for Cathedral City is more affordable. The average monthly payment in Cathedral City is about $35 cheaper than the rate for the rest of the United States.

While these are the average car insurance rates for Cathedral City, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Cathedral City residents so that you can get a more accurate idea of what you might 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 18Not Enough Data
18-24$90
25-34$43
35-44$34
45-54Not Enough Data
55-64$37
65+$38

Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $52 more than drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may rise again in Cathedral City.

Average Car Insurance Rates by Gender

Gender Average
Male$45
Female$45

In general, women pay slightly less for car insurance than men. Male and female drivers in Cathedral City, however, both pay around $45 per month to insure their car.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$56
Multiple Accidents$47
1 Ticket$103
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Cathedral City, a driving record with a single accident will usually get you a rate around $56 a month. In addition, drivers with a single ticket on their record can expect to pay around $103 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 Years$48
4-5 Years$39
6-7 Years$44
8-10 Years$46
11-14 Years$53
15 Years or Older$39

According to the first table above, the cheapest vehicles to insure in Cathedral City are usually SUVs, at $37 per month.

Truck and van drivers will see rates of about $39 for car insurance, while car owners by and large pay around $47 a month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Cathedral City, 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)$48
Married$37
Divorced$37
Widowed$38

Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Cathedral City is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$41
Rent$44
Live with parents$67

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Cathedral City, expect to pay around $3 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Cathedral City, CA

Recent trends in car insurance for Cathedral City 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 Cathedral City went up from 2016-2017, before steadying out in 2018. They finished down in 2021, at $47 per month

How does Cathedral City compare to neighboring areas?

Why are car insurance rates in Cathedral City different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Community regulations
  • Off-street parking availability
  • Number of car accidents
  • Crime
  • Amount of drivers in the region

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 get started.

How can I find the cheapest car insurance in Cathedral City?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. 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 policies in Cathedral City.

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Cathedral City Insurance FAQs

What factors affect car insurance quotes in Cathedral City?

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 address, driving record, credit score, and marital status.

Why is the cost of car insurance in Cathedral City 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, local laws, 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 Cathedral City?

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 Cathedral City?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Cathedral City 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.

Find your best rate in just a few minutes