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How much is car insurance in Colton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Colton are slightly less expensive than the rest of California.
If you're thinking of moving to Colton from out of state, you may still be in luck. It's around $26 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average car insurance rates for Colton, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Colton and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates begin to increase again in Colton.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Colton is around $10 a month. As you can see in the table above, female drivers in the area typically pay $48 on average, while female drivers typically pay $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Colton, a driving record with one accident will usually get you a rate around $73 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $68 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$50|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Colton, with drivers paying around $46 per month for auto insurance coverage.
Cars, trucks, and vans, however, all cost about the same to insure their vehicle -- around $55 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Colton are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Colton follows that pattern, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
One other element taken into consideration is your living situation. Renters can expect to pay around $3 a month less than homeowners in Colton. 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 Colton, CA
Recent trends in car insurance for Colton 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 choosing your car insurance policy.
Car insurance rates in Colton have been mixed as of late, they increased in 2016, decreased in 2018, and rose again in 2020, before finishing at $60 in 2021.
How does Colton compare to neighboring areas?
Why are car insurance rates in Colton different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of car accidents
- Number of drivers in the area
- Off-street parking availability
- Rate of crime
An awareness of these factors is important 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 learn more.
How can I find the cheapest car insurance in Colton?
While getting familiar with 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 will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Colton.
Colton Insurance FAQs
What factors affect car insurance quotes in Colton?
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, address, credit score, and marital status.
Why is the cost of car insurance in Colton different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Colton?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Colton?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Colton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?