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How much is car insurance in Claremont?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Claremont as it is in the rest of California.
When compared to the national average, the cost for auto insurance in Claremont is lower. It's around $25 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average monthly costs for an auto insurance policy in Claremont, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Claremont to help you get a more accurate idea of what you'll be charged for your policy. 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's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Claremont.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Claremont, where women pay around $10 less per month. Based on the chart above, you can see that female drivers pay around $50 on average, while male drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Claremont with a single accident on their record is about $78 a month. In addition, drivers with a single ticket on their record can expect to pay around $93 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$57|
In terms of affordable coverage, the cheapest vehicles to insure in Claremont are by and large trucks and vans, at $48 per month.
Car owners will see a monthly premium of about $59, while SUV owners typically pay around $52 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. 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)||$61|
On average, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Claremont is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
One other element taken into consideration is your housing status. Those who own their own home in Claremont can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Claremont, CA
Recent trends in car insurance for Claremont drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Claremont, the rates for car insurance dropped steadily from 2017-2021. They finished up in 2022, at $79 per month
How does Claremont compare to neighboring areas?
Why are car insurance rates in Claremont different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Area regulations
- Local crime rates
- Total number of drivers in the community
- Road Safety (frequency of car accidents)
- Off-street parking access
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Claremont?
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.
But hold on! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Claremont.
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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 gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Claremont different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Claremont?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Claremont or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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