Table of contents
How much is car insurance in Fountain Valley?
|Area||Average Monthly Car Insurance Premium|
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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
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
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|
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.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$97|
|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|
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|
|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)
- 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.
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.