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How much is car insurance in Colton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Colton is in line with pricing for the rest of California.
Compared to the national average cost of auto insurance coverage, Colton has lower rates. The average monthly payment for the United States as a whole is about $28 more expensive than in Colton.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down the average rate for Colton residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may climb back up a bit in Colton.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Colton, male drivers pay about $7 more per month. As you can see in the table above, female drivers in the area typically pay $50 on average, while female drivers typically pay $57 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 can expect to pay a lot less than those with accidents or violations. In Colton, a driving record with a single accident will usually get you a rate around $67 a month. Likewise, drivers with one ticket will be looking at a rate of around $55 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$49|
In Colton, the cheapest vehicles to insure are usually SUVs, with drivers paying around $46 per month for auto insurance coverage.
Car owners will see rates of about $55, while truck and van owners by and large pay around $50 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. 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)||$56|
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Colton reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor taken into consideration is your living situation. Whether rent your home or own property in Colton, you can expect to pay around $50 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Colton, CA
Recent trends in car insurance for Colton drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Car insurance rates in Colton dropped from 2017-2019, before steadying out in 2020. They finished up in 2022, at $54 per month
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 several factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Road safety
- Rate of crime
- Off-street parking availability
- Local regulations
- Amount of drivers in the region
Having an awareness of these factors is critical 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 get started.
How can I find the cheapest car insurance in Colton?
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.
But hold on! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Colton.
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Colton Insurance FAQs
What factors affect car insurance quotes in Colton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Colton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, 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 Colton?
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 Colton?
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, 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 Colton 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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