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How much is car insurance in Covina?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of California are about $4 a month cheaper than the rates drivers pay in Covina.
That being said, car insurance rates in Covina are more affordable than the national average. It's about $21 cheaper to insure your vehicle in Covina compared to the average rate for the United States as a whole.
While these numbers are the average rates for auto insurance in Covina, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration 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 rates for Covina residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, 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 longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may rise again in Covina.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Covina, where women pay around $4 less per month. As you can see in the table above, female drivers in the area typically pay $57 on average, while female drivers typically pay $61 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. Those with clean records will obviously pay much less than those with infractions. In Covina, drivers with one accident on their record will experience rates around $71 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $78.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$67|
In terms of affordable coverage, the cheapest vehicles to insure in Covina are by and large SUVs, at $54 per month.
Car owners can expect to pay an average of around $60 a month for their policy, while truck and van drivers are usually around $61 to insure each month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Covina, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Covina is no exception, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 less than those who own their own home in Covina. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Covina, CA
Recent trends in car insurance for Covina drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Covina, the rates for car insurance declined from 2017-2020, when they hit a low of $49. This leveled out in 2021, when rates started to rise. This pattern has continued through the present, where rates recently reached $55.
How does Covina compare to neighboring areas?
Why are car insurance rates in Covina different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking access
- Road Safety (total number of local car accidents)
- Total number of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Covina?
Arming 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 wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Covina.
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Covina Insurance FAQs
What factors affect car insurance quotes in Covina?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Covina 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 Covina?
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 Covina?
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. 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 Covina 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?
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