Table of contents
How much is car insurance in Dinuba?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Dinuba is about $15 a month cheaper than it is for the rest of California.
When stacked up against the national average, the average monthly policy payment for Dinuba is more affordable. It's about $39 cheaper than the national average to insure your vehicle in Dinuba.
While these numbers are the average rates for auto insurance in Dinuba, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Dinuba and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $23 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up once you hit retirement in Dinuba.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Dinuba defies this trend. Female drivers typically pay around $4 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Dinuba with one accident will pay around $51 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$40|
According to the first table above, the cheapest vehicles to insure in Dinuba are typically SUVs, at $32 per month.
The insurance premium for car, truck, and van owners in Dinuba, however, usually comes out to about $42 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. 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, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$43|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
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|
|Live with parents||$59|
Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners and renters alike can expect to pay about $39 per month for coverage in Dinuba.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Dinuba, CA
Recent trends in car insurance for Dinuba drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for car insurance in Dinuba have been steadily increasing, reaching a high of $60 in 2021.
How does Dinuba compare to neighboring areas?
Why are car insurance rates in Dinuba different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Area crime rates
- Amount of drivers
- Community regulations
- Amount of off-street parking
- General road safety (how many accidents each locality has)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Dinuba?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Dinuba in no time.
Dinuba Insurance FAQs
What factors affect car insurance quotes in Dinuba?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Dinuba different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 however, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Dinuba or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?