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How much is car insurance in Chino?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Chino is in line with pricing for the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Chino is rather affordable. You can expect to pay about $27 below the national average for auto insurance in Chino.
Bear in mind that while these are the average car insurance rates for Chino, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down the average rates for Chino residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply 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|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $39 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may creep back up in Chino.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Chino, however, men actually pay a bit less than female drivers to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Chino, a driving record with one accident will usually get you a rate around $58 a month. In addition, drivers with a single ticket on their record can expect to pay around $61 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. 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||$49|
|15 Years or Older||$56|
As you can see in the first table above, the cheapest vehicles to insure in Chino are typically SUVs, which run about $47 per month.
Truck and van drivers will see rates of about $54 to insure their vehicle, while car owners usually pay around $55 per month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Chino, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Chino reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Chino, expect to pay around $6 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
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 Chino, CA
Recent trends in car insurance for Chino 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.
Policy premiums in Chino dropped steadily from 2017-2021. They finished up in 2022, at $61 a month
How does Chino compare to neighboring areas?
Why are car insurance rates in Chino different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Regional laws
- Off-street parking access
- Frequency of car accidents
- Amount of drivers in the area
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Chino?
While getting familiar with 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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Chino.
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Chino Insurance FAQs
What factors affect car insurance quotes in Chino?
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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in Chino different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Chino?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Chino?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Chino or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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