Table of contents
How much is car insurance in Claremont?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Claremont are in line with rates across the rest of California.
When stacked up against the national average, the average monthly policy payment for Claremont is more affordable. You can expect to pay about $24 below the national average for auto insurance in Claremont.
While these are the average costs to insure your vehicle in Claremont, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Claremont to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Claremont drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Claremont, this difference shakes out to about $12 a month. As illustrated in the table above, male drivers in the area pay about $61 on average, while female drivers pay around $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Claremont, a driving record with a single accident will usually get you a rate around $78 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $116 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$57|
In Claremont, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $42 per month for insurance.
Car owners, on the other hand, typically pay around $60 per month, while SUV drivers can expect to pay about $52 a month for insurance coverage.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Claremont, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Claremont, with married couples paying about $15 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor that comes into play is your housing status. Renters can expect to pay around $8 a month more than drivers who own property in Claremont. But if you live with your parents, your rates will be significantly higher.
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 Claremont, CA
Recent trends in car insurance for Claremont 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 selecting an auto insurance policy.
The cost of car insurance coverage in Claremont dropped steadily from 2016 through the present, where they reached $45 per month in 2021.
How does Claremont compare to neighboring areas?
Why are car insurance rates in Claremont different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local regulations
- Rate of crime
- Amount of drivers in the community
- Road Safety (total number of local car accidents)
- Amount of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Claremont?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Claremont.
Claremont Insurance FAQs
What factors affect car insurance quotes in Claremont?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Claremont different from other neighboring cities?
Things like crime rates, local laws, 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 Claremont?
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 Claremont?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Claremont 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.