Fountain Valley, CA Car Insurance

The average monthly cost for car insurance in Fountain Valley is about $61. For information on policy rates, coverage, and more check out our guide below.
What can Fountain Valley residents expect to pay for their car insurance? How does Fountain Valley compare to the surrounding area and the rest of California? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Fountain Valley?

Area Average Monthly Car Insurance Premium
Fountain Valley$61
CA$56
United States$80

Looking at the chart above, you can see that it is around $5 a month more expensive to insure your vehicle in Fountain Valley than it is in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in Fountain Valley. You can expect to pay about $19 below the national average for auto insurance in Fountain Valley.

Keep in mind that while these are the average car insurance rates for Fountain Valley, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Fountain Valley so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$60
35-44$48
45-54Not Enough Data
55-64$43
65+$52

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may rise again in Fountain Valley.

Average Car Insurance Rates by Gender

Gender Average
Male$60
Female$62

On average, female drivers pay slightly less for car insurance than their male counterparts. In Fountain Valley, however, men actually pay slightly less than female drivers for car insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$90
Multiple Accidents$86
1 Ticket$99
Multiple Tickets$106

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. In Fountain Valley, a driving record with one accident will usually get you a rate around $90 a month. In addition, drivers with a single ticket on their record can expect to pay around $99 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$97
2-3 Years$50
4-5 Years$61
6-7 Years$66
8-10 Years$57
11-14 Years$59
15 Years or Older$62

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Fountain Valley, with drivers paying around $41 per month for insurance coverage.

The insurance premium for car and SUV owners in Fountain Valley usually comes out to about $63 per month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Fountain Valley are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$56
Divorced$49
Widowed$52

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Fountain Valley follows that pattern, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$58
Live with parents$86

Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Fountain Valley can expect to pay around $4 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Fountain Valley, CA

Recent trends in car insurance for Fountain Valley 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.

In Fountain Valley, car insurance rates went up from 2016-2018, when they hit a high of $68. This pattern changed in 2019, when they began to decrease, and have continued moving in that direction through 2021, when car insurance rates reached a low of $54 a month.

How does Fountain Valley compare to neighboring areas?

Why are car insurance rates in Fountain Valley different from other areas?

Car insurance companies will take into account numerous factors when figuring out 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:

  • Road Safety (how many accidents each locality has)
  • Crime
  • Total number of drivers
  • Amount of off-street parking
  • Regional laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Fountain Valley?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in Fountain Valley.

Compare the cheapest quotes from dozens of insurance companies

Fountain Valley Insurance FAQs

What factors affect car insurance quotes in Fountain Valley?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Fountain Valley different from other neighboring cities?

Things like parking situations, local laws, and crime rates, 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 Fountain Valley?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Fountain Valley?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Fountain Valley or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes