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How much is car insurance in Fountain Valley?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $5 a month more expensive to insure your vehicle in Fountain Valley than it is in the rest of California.
Compared to the rest of the country, auto insurance in Fountain Valley is more affordable. It's about $20 cheaper than the national average to insure your vehicle in Fountain Valley.
Although these are the average rates for auto insurance in Fountain Valley, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Fountain Valley residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $38 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Fountain Valley.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The price for car insurance in Fountain Valley, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Fountain Valley with a single accident on their record is about $97 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$61|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Fountain Valley, with drivers paying around $50 per month for insurance coverage.
SUV drivers will see rates of about $62, while the rates for car owners average out to about $63 a month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Fountain Valley, 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)||$64|
Overall, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The cost of auto insurance in Fountain Valley reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $1 a month less than drivers who own property in Fountain Valley. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Fountain Valley, CA
Recent trends in car insurance for Fountain Valley drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The rates for car insurance in Fountain Valley rose from 2017-2018, when they reached a high of $68. This shifted in 2019, when they began to decrease again. They finished down in 2022, at $55 per month
How does Fountain Valley compare to neighboring areas?
Why are car insurance rates in Fountain Valley different from other areas?
There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking access
- Regional regulations
- Rate of car accidents
- Crime levels
- Number of drivers
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. 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 Fountain Valley?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, 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 providing coverage in Fountain Valley in no time.
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Fountain Valley Insurance FAQs
What factors affect car insurance quotes in Fountain Valley?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Fountain Valley different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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?
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 Fountain Valley?
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, 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 Fountain Valley 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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