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How much is car insurance in Dinuba?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Dinuba | $41 |
| CA | $56 |
| United States | $81 |
The cost of coverage in Dinuba is about $15 a month cheaper than it is for the rest of California.
Similarly, when compared to the national average, the cost for auto insurance in Dinuba is lower. You can expect to pay about $40 below the national average for auto insurance in Dinuba.
While these numbers are the average rates for auto insurance in Dinuba, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 done the heavy lifting for you and broken down the average rate for Dinuba so that you can get a more accurate idea of what your policy will cost you. 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
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $66 |
| 25-34 | $35 |
| 35-44 | $34 |
| 45-54 | $31 |
| 55-64 | $32 |
| 65+ | $44 |
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up in Dinuba.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $39 |
| Female | $42 |
On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Dinuba, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $45 |
| Multiple Accidents | $29 |
| 1 Ticket | $32 |
| Multiple Tickets | $49 |
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Dinuba with one accident will pay around $45 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $32.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $61 |
| 2-3 Years | $34 |
| 4-5 Years | $33 |
| 6-7 Years | $40 |
| 8-10 Years | $41 |
| 11-14 Years | $39 |
| 15 Years or Older | $40 |
As you can see in the first table above, the cheapest vehicles to insure in Dinuba are typically SUVs, which run about $32 per month.
Car owners will see rates of about $44, while truck and van owners usually pay around $38 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Dinuba, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $43 |
| Married | $36 |
| Divorced | $32 |
| Widowed | $33 |
On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Dinuba is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $38 |
| Rent | $40 |
| Live with parents | $57 |
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Dinuba, expect to pay around $2 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.
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 average premiums.
Car Insurance Companies in Dinuba, CA
Recent trends in car insurance for Dinuba drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of car insurance in Dinuba increased from 2017-2018, where it reached a high of $51, before leveling out in 2019. Car insurance rates have risen again in recent years, finishing at $43 per month in 2022.
How does Dinuba compare to neighboring areas?
Why are car insurance rates in Dinuba different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot 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)
- Community regulations
- Off-street parking accessibility
- Prevalence of crime
- Total drivers
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Dinuba?
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.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Dinuba.
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Dinuba Insurance FAQs
What factors affect car insurance quotes in Dinuba?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Dinuba different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Dinuba?
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 Dinuba?
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 Dinuba 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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