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How much is car insurance in Hacienda Heights?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Hacienda Heights than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for Hacienda Heights is more affordable. The average monthly payment for the U.S. as a whole is about $16 more expensive than in Hacienda Heights.
These rates may be the average amount Hacienda Heights residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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.
Don't sweat it however, we've broken down the average rate for Hacienda Heights residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $39 more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Hacienda Heights drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay slightly less than female drivers on their monthly premiums, the difference in Hacienda Heights is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Hacienda Heights, a driving record with one accident will usually get you a rate around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $65.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$64|
The most affordable vehicles to insure in Hacienda Heights are typically trucks and vans, which run about $45 per month.
Car owners can expect to pay an average of around $65 a month for their policy, while SUVs usually cost around $64 a month to insure.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Hacienda Heights, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
More often than not, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Hacienda Heights is about $15 a month, with married couples paying less for coverage than single drivers.
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. If you rent your home or apartment in Hacienda Heights, expect to pay around $3 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Hacienda Heights, CA
Recent trends in car insurance for Hacienda Heights drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Auto insurance rates in Hacienda Heights had been decreasing from 2016-2018, before leveling out in 2019. Rates decreased again recently, reaching a low of $56 in 2021.
How does Hacienda Heights compare to neighboring areas?
Why are car insurance rates in Hacienda Heights different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Local laws
- Amount of drivers in the community
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Hacienda Heights?
Arming 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.
Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Hacienda Heights.
Hacienda Heights Insurance FAQs
What factors affect car insurance quotes in Hacienda Heights?
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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Hacienda Heights different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Hacienda Heights?
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 Hacienda Heights?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Hacienda Heights 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.