Table of contents
How much is car insurance in Clovis?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Clovis is about $4 cheaper than it is in the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Clovis is rather affordable. You can expect to pay about $28 less for your policy in Clovis than in the rest of U.S.
Bear in mind that while these are the average car insurance rates for Clovis, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium 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 Clovis residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates begin to go back up once you hit retirement 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 to insure their vehicle.
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 less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Clovis, a driving record with a single accident will usually get you a rate around $71 a month. Likewise, drivers with one ticket will be looking at a rate of around $80 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$52|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Clovis, with drivers paying around $49 per month for insurance.
Truck and van drivers will see rates of about $50 to insure their car, while car owners by and large pay around $53 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Clovis, 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)||$57|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Clovis can be as much as $13 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners in Clovis can expect to pay around $3 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Clovis, CA
Recent trends in car insurance for Clovis drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Clovis, drivers paid about the same rate from 2016 to 2021. Car insurance rates reached a high of $56 in 2019 and a low of $45 in 2020.
How does Clovis compare to neighboring areas?
Why are car insurance rates in Clovis different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Crime rates
- Local regulations
- Amount of drivers in the community
- Road safety
- Availability 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 Clovis?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering policies in Clovis.
Clovis Insurance FAQs
What factors affect car insurance quotes in Clovis?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Clovis different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Clovis?
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 Clovis?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Clovis or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?