Downey, CA Car Insurance

Downey drivers pay, on average, around $65 a month for their car insurance. Learn more in our handy guide below.
What should residents of Downey expect to pay for their car insurance? Compared to their surrounding area, how do rates in Downey stack up? What about against the rest of California? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Downey?

Area Average Monthly Car Insurance Premium
Downey$65
CA$56
United States$80

Looking at the chart above, you can see that it is around $9 a month more expensive to insure your vehicle in Downey than it is in the rest of California.

Compared to the rest of the country, auto insurance in Downey is more affordable. On average, it's about $15 less to insure your vehicle in Downey than it is in the rest of the U.S.

Although these are the average rates for auto insurance in Downey, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

But worry not, we've done the heavy lifting and broken down the average rate for Downey to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$102
25-34$58
35-44$50
45-54$46
55-64$47
65+$48

The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Downey may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$61

Car insurance rates for women are generally cheaper than they are for men. This is true in Downey, where women pay around $7 less a month. As you can see in the table above, female drivers in the area typically pay $61 on average, while female drivers typically pay $68 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$90
Multiple Accidents$112
1 Ticket$76
Multiple Tickets$87

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Downey with a single accident will pay around $90 a month. Likewise, drivers with one ticket will be looking at a rate of around $76 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$89
2-3 Years$67
4-5 Years$59
6-7 Years$62
8-10 Years$68
11-14 Years$66
15 Years or Older$63

As you can see in the first table above, the cheapest vehicles to insure in Downey are by and large trucks and vans, which run about $45 per month.

SUV drivers will see rates of about $63, while the rates for car owners average out to about $68 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. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Downey, 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)$69
Married$57
Divorced$47
Widowed$53

More often than not, 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 some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Downey follows that pattern, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$55
Rent$62
Live with parents$115

Another factor taken into consideration is your housing status. Homeowners in Downey can expect to pay around $7 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Downey, CA

Recent trends in car insurance for Downey 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.

Auto insurance rates in Downey went up from 2016-2017, when they reached a high of $71, but began to decrease from 2018-2019. They finished down in 2021, at $55 a month.

How does Downey compare to neighboring areas?

Why are car insurance rates in Downey different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Many factors affecting your policy are based around where you call home. These factors include things like:

  • General road safety (how many accidents each locality has)
  • Off-street parking access
  • Crime rates
  • Area regulations
  • Total number of drivers in the community

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Downey?

Equipping 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.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Downey.

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Downey Insurance FAQs

What factors affect car insurance quotes in Downey?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Downey different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Downey?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Downey?

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 Downey 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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