Desert Hot Springs, CA Car Insurance

How does Desert Hot Springs stack up to the rest of the area, or even California as a whole? What should residents of Desert Hot Springs expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Desert Hot Springs?

Looking at the chart above, you can see it's around $11 a month cheaper to insure your vehicle in Desert Hot Springs than it is in the rest of California.

Similarly, car insurance rates in Desert Hot Springs are more affordable than the national average. The average monthly payment in Desert Hot Springs is about $36 less than the rate for the rest of the U.S.

These may be the average auto insurance rates for Desert Hot Springs, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down the average rate for Desert Hot Springs residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $29 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Desert Hot Springs.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. In Desert Hot Springs, the difference is around $4 a month. As illustrated in the table above, female drivers in the area pay about $43 on average, while male drivers pay around $47 each month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Desert Hot Springs with a single accident on their record is about $68 a month. Likewise, drivers with one ticket will be looking at a rate of around $63 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Desert Hot Springs, with drivers paying around $40 per month for auto insurance.

Truck and van drivers will see rates of about $43, while the rates for car owners average out to about $47 per month.

You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Desert Hot Springs are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Desert Hot Springs is no exception, with the difference totaling to around $9 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. In Desert Hot Springs, homeowners can expect to pay around $1 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Desert Hot Springs, CA

Recent trends in car insurance for Desert Hot Springs drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

Auto insurance rates in Desert Hot Springs increased from 2017-2018, where they reached a high of $52, before leveling out in 2019. Insurance rates went up again in 2020, and finished down at $39 in 2022.

How does Desert Hot Springs compare to neighboring areas?

Why are car insurance rates in Desert Hot Springs different from other areas?

When considering how much to charge for coverage, car insurance companies will review a variety of factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

• Road Safety (frequency of local car accidents)
• Regional regulations
• Availability of off-street parking
• Total number of drivers in the region
• Local crime rates

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Desert Hot Springs?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Desert Hot Springs.

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Desert Hot Springs Insurance FAQs

What factors affect car insurance quotes in Desert Hot Springs?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Desert Hot Springs different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Desert Hot Springs?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Desert Hot Springs?

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, 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 Desert Hot Springs 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.