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How much is car insurance in Culver City?
|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 Culver City.
However, when compared to the national average, the cost for auto insurance in Culver City is lower. It's about $20 cheaper than the national average to insure your vehicle in Culver City.
While these numbers represent the average monthly payments for coverage in Culver City, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Culver City so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|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 auto insurance rates, 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 $28 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may creep back up in Culver City.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Culver City goes against the grain. Female drivers typically pay around $7 more per month to insure their vehicle than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Culver City, drivers with one accident on their record will experience rates around $70 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $127.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$51|
In terms of affordable coverage, the cheapest vehicles to insure in Culver City are by and large cars, at $60 per month.
SUV owners, on the other hand, usually pay around $62 a month, while truck and van drivers can expect to pay about $72 per month for car insurance coverage.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Culver City are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Culver City, the difference in rates based on relationship status can be as much as $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$116|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Culver City. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Culver City, CA
Recent trends in car insurance for Culver City drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance coverage in Culver City rose from 2016-2017, before steadying out in 2018. Car insurance rates finished up in 2021, at $59 a month
How does Culver City compare to neighboring areas?
Why are car insurance rates in Culver City different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Frequency of car accidents
- Community laws
- Regional crime rates
- Off-street parking accessibility
- Total number of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Culver City?
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 punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Culver City.
Culver City Insurance FAQs
What factors affect car insurance quotes in Culver City?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Culver City 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, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Culver City?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Culver City?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Culver City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.