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How much is car insurance in Diamond Bar?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Diamond Bar are slightly more expensive than the rest of California.
Conversely, car insurance rates in Diamond Bar are more affordable than the national average. On average, it's about $21 less to insure your vehicle in Diamond Bar than it is in the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for residents of Diamond Bar, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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.
We've broken down the average rates for Diamond Bar 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, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $33 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to increase again once you hit retirement age in Diamond Bar.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Diamond Bar, however, men actually pay a bit less than female drivers to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Diamond Bar, drivers with one accident on their record will experience rates around $60 a month. In addition, drivers with one ticket can expect to pay around $46 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$53|
In terms of affordable coverage, the cheapest vehicles to insure in Diamond Bar are typically trucks and vans, at $50 per month.
Car owners can expect to pay an average of around $60 a month for their policy, while SUVs usually cost around $53 a month to insure.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. The most expensive vehicles to insure in Diamond Bar are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Diamond Bar, the difference in rates based on relationship status can be as much as $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Diamond Bar. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Diamond Bar, CA
Recent trends in car insurance for Diamond Bar 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 selecting an auto insurance policy.
The rates for car insurance in Diamond Bar have been mixed as of late. They did, however, turn downward from $64 in 2019 to $57 in 2021.
How does Diamond Bar compare to neighboring areas?
Why are car insurance rates in Diamond Bar different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- General road safety (how many accidents each locality has)
- Amount of drivers in the region
- Availability of off-street parking
- Area laws
- Area crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Diamond Bar?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Diamond Bar in no time.
Diamond Bar Insurance FAQs
What factors affect car insurance quotes in Diamond Bar?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Diamond Bar different from other neighboring cities?
Parking situations, crime rates, 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 Diamond Bar?
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 Diamond Bar?
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 Diamond Bar 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.