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How much is car insurance in Cathedral City?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Cathedral City is about $12 a month cheaper.
Drivers relocating from out of state may enjoy some cost savings in Cathedral City. Auto insurance coverage in Cathedral City is about $37 cheaper than it is for the rest of the United States.
These rates may be the average amount Cathedral City residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for 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.
Don't sweat it however, we've broken down the average rate for Cathedral City residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates climb back up a bit in Cathedral City.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. Male and female drivers in Cathedral City, however, both pay the same monthly amount for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Cathedral City, a driving record with one 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 $65 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$38|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Cathedral City, with drivers paying around $38 per month to insure their vehicle.
Car owners can expect to pay an average of around $46 a month for their policy, while truck and van drivers are usually around $44 to insure each month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if 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)||$47|
More often than not, people who are married will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Cathedral City can be as much as $10 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $4 a month more than homeowners in Cathedral City. But those who live at home with their parents can expect to pay significantly more.
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 overall costs.
Car Insurance Companies in Cathedral City, CA
Recent trends in car insurance for Cathedral City drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Cathedral City, the rates for car insurance decreased from 2017-2018, before steadying out in 2019. Insurance rates decreased again, hitting a low of $40 in 2021, and finishing up at $43.
How does Cathedral City compare to neighboring areas?
Why are car insurance rates in Cathedral City different from other areas?
There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- General road safety (how many accidents each locality has)
- Area laws
- Off-street parking availability
- Amount of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Cathedral City?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! 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 a number of the car insurance companies that offer auto coverage 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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Cathedral City 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 parking situations, local laws, 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 Cathedral City?
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 Cathedral City?
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 Cathedral City 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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