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How much is car insurance in Chino Hills?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Chino Hills are slightly more expensive than the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Chino Hills. You can expect to pay about $23 less for your policy in Chino Hills than in the rest of U.S.
While these numbers represent the average monthly payments for coverage in Chino Hills, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Chino Hills residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply 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, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $35 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Chino Hills may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for car insurance in Chino Hills, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Chino Hills with a single accident on their record will usually see rates around $78 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$59|
If you look at the first table above, the cheapest vehicles to insure in Chino Hills are by and large SUVs, at $46 per month.
Car owners, on the other hand, usually pay around $60 a month, while truck and van drivers can expect to pay about $58 per month to insure their vehicle.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Chino Hills, 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)||$60|
Generally, married policyholders will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Chino Hills can be as much as $9 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Another factor that comes into play is your living situation. In Chino Hills, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Chino Hills, CA
Recent trends in car insurance for Chino Hills 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.
Car insurance rates in Chino Hills declined steadily from 2017-2021. They finished up in 2022, at $53 a month
How does Chino Hills compare to neighboring areas?
Why are car insurance rates in Chino Hills different from other areas?
Car insurance companies take in many factors when deciding how much individual insurance policies will cost. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Rate of car accidents
- Amount of off-street parking
- Total number of drivers
- Area regulations
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Chino Hills?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering coverage in Chino Hills.
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Chino Hills Insurance FAQs
What factors affect car insurance quotes in Chino Hills?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Chino Hills different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Chino Hills?
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 Hills?
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. 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 Chino Hills 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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