Clovis, CA Car Insurance

How much can residents of Clovis expect to pay for their car insurance? Compared to their surrounding area, how do rates in Clovis stack up? What about against the rest of California? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Clovis?

Based on the above chart, auto insurance policies in Clovis are about $6 a month cheaper than in the rest of California.

Likewise, car insurance rates in Clovis are more affordable than the national average. The average monthly payment for the United States as a whole is about $31 more expensive than in Clovis.

Although these are the average rates for auto insurance in Clovis, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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.

We've broken down the average rates for Clovis to help you understand what exactly you might be asked to pay. 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

The older you are, the more experience you're likely to have behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in Clovis.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. Male and female drivers in Clovis, however, both pay the same monthly amount for car insurance.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Clovis with one accident will pay around $68 a month. In addition, drivers with one ticket can expect to pay around $65 a month 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

In Clovis, the cheapest vehicles to insure are usually SUVs, with drivers paying around $49 per month to insure their vehicle.

Car owners, on the other hand, typically pay around $51 per month, while truck and van drivers can expect to pay about $50 a month to insure their vehicle.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Clovis, vehicles six-to-seven years old and eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally speaking, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Clovis, with married couples paying about $11 less per month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living situation. Drivers who own property in Clovis can expect to pay around $5 a month less than those who rent. 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 average premiums.

Car Insurance Companies in Clovis, CA

Recent trends in car insurance for Clovis drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

Car insurance rates in Clovis dropped from 2017-2018, before steadying out in 2019. Rates decreased again, hitting a low of $39 in 2021, and finished up at $48 in 2022.

How does Clovis compare to neighboring areas?

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

Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

• Local regulations
• Availability of off-street parking
• Amount of drivers
• Prevalence of crime
• Rate of car accidents

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Clovis?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Clovis.

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Clovis Insurance FAQs

What factors affect car insurance quotes in Clovis?

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 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 Clovis different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Clovis?

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 Clovis?

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. 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 Clovis 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?