Citrus Heights, CA Car Insurance

Are rates in Citrus Heights higher or lower than those in neighboring areas? How do they compare to the rest of California? What can Citrus Heights residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Citrus Heights?

Based on the chart above, it costs about the same to insure your vehicle in Citrus Heights as it does in the rest of California.

Conversely, car insurance rates in Citrus Heights are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $24 more expensive than the rates you'd pay in Citrus Heights.

While these numbers are the average rates for auto insurance in Citrus Heights, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Citrus Heights residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

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 car insurance bills. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Citrus Heights.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Citrus Heights is only about $1 per month.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Citrus Heights with a single accident on their record will usually see rates around $69 a month. In addition, drivers with one ticket can expect to pay around $72 a month on average.

Wherever you live, 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

In Citrus Heights, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $55 per month for insurance.

SUV drivers will see rates of about $56 for auto insurance coverage, while car owners typically pay around $58 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Citrus Heights, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

More often than not, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Citrus Heights is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in Citrus Heights. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Citrus Heights, CA

Recent trends in car insurance for Citrus Heights 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 Citrus Heights, the rates for auto insurance went up from 2017-2018, when they hit a high of $66. This shifted in 2019, when they began to turn downward again. They finished up in 2022, at $58 per month

How does Citrus Heights compare to neighboring areas?

Why are car insurance rates in Citrus Heights different from other areas?

Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

• Regional crime rates
• Road Safety (total number of local car accidents)
• Number of drivers in the community
• Amount of off-street parking
• Community regulations

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 Citrus Heights?

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.

Good news! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Citrus Heights.

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Citrus Heights Insurance FAQs

What factors affect car insurance quotes in Citrus Heights?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Citrus Heights different from other neighboring cities?

Local laws, crime rates, and parking situations -- 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 Citrus Heights?

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 Citrus Heights?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Citrus Heights or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.