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How much is car insurance in Diamond Bar?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Diamond Bar are in line with rates across the rest of California.
On the other hand, when compared to the national average, the cost for auto insurance in Diamond Bar is lower. It's about $23 cheaper than the national average to insure your vehicle in Diamond Bar.
While these numbers are the average rates for auto insurance in Diamond Bar, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Diamond Bar residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to increase again in Diamond Bar.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Diamond Bar, however, both pay around $58 a month for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. 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. The rate for drivers in Diamond Bar with a single accident on their record is about $60 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $69.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$61|
|15 Years or Older||$52|
If you look at the first table above, the cheapest vehicles to insure in Diamond Bar are typically trucks and vans, at $48 per month.
Car owners, on the other hand, by and large pay around $60 per month, while SUV drivers can expect to pay about $53 a month for insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Diamond Bar, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
On average, those who are currently married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Diamond Bar as well, where the difference is around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living accommodations is another factor that affects your monthly rate. Those who own their own home in Diamond Bar can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Diamond Bar, CA
Recent trends in car insurance for Diamond Bar drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The rates for car insurance in Diamond Bar rose from 2017-2018, when they reached a high of $78, but began to decrease from 2019-2021. They finished up in 2022, at $66 per month.
How does Diamond Bar compare to neighboring areas?
Why are car insurance rates in Diamond Bar different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community laws
- Off-street parking availability
- Total amount of drivers in the community
- Frequency of car accidents
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Diamond Bar?
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.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Diamond Bar.
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Diamond Bar Insurance FAQs
What factors affect car insurance quotes in Diamond Bar?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Diamond Bar different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Diamond Bar?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 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 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.
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