Chino, CA Car Insurance

The average monthly cost for car insurance in Chino is about $55. Read our guide below to learn more about your specific rates.
How does Chino stack up to the rest of the area, or even California as a whole? How much can residents of Chino expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Chino?

Area Average Monthly Car Insurance Premium
Chino$55
CA$56
United States$80

According to the chart above, the rates you'll pay for coverage in Chino are about the same as what you would pay anywhere else in California.

Compared to the national average cost of auto insurance coverage, Chino has lower rates. It's around $25 less to insure your vehicle compared to the average rate for the United States as a whole.

While these numbers are the average rates for auto insurance in Chino, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car 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.

We've broken down average rates for Chino to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$85
25-34$46
35-44$42
45-54Not Enough Data
55-64$42
65+$43

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates creep back up in Chino.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$56

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Chino, although men do pay a little bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$80
1 Ticket$66
Multiple Tickets$103

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Chino with one accident will pay around $61 a month. Likewise, drivers with one ticket will be looking at a rate of around $66 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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$51
2-3 Years$55
4-5 Years$54
6-7 Years$60
8-10 Years$52
11-14 Years$56
15 Years or Older$55

If you look at the first table above, the cheapest vehicles to insure in Chino are usually SUVs, at $48 per month.

Truck and van drivers will see rates of about $54 for auto insurance coverage, while car owners by and large pay around $56 per month.

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 decrease if your car is about 5 years old. 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)$59
Married$44
Divorced$43
Widowed$41

More often than not, married policyholders will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Chino, with married couples paying about $15 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$55
Live with parents$70

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than homeowners in Chino. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Chino, CA

Recent trends in car insurance for Chino 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.

In Chino, the rates for auto insurance went up from 2016-2017, when they hit a high of $67. This pattern leveled out in 2018, when they began to decrease, and have continued on that road through 2021, when policy premiums reached a low of $43 a month.

How does Chino compare to neighboring areas?

Why are car insurance rates in Chino different from other areas?

Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Amount of drivers in the area
  • Frequency of car accidents
  • Area laws
  • Crime
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Chino?

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 has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Chino in no time.

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Chino Insurance FAQs

What factors affect car insurance quotes in Chino?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Chino 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, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Chino?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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?

Find your best rate in just a few minutes