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How much is car insurance in Hacienda Heights?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of California are about $7 a month cheaper than the rates drivers pay in Hacienda Heights.
That being said, when compared to the national average, the cost for auto insurance in Hacienda Heights is lower. It's around $18 less to insure your vehicle compared to the average rate for the United States as a whole.
Bear in mind that while these rates represent the expected monthly payments for drivers in Hacienda Heights, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Hacienda Heights residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code 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|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $36 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may creep back up a bit in Hacienda Heights.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Hacienda Heights, although men do pay a little bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Hacienda Heights with a single accident on their record is about $74 a month. In addition, drivers with a single ticket on their record can expect to pay around $78 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$61|
In Hacienda Heights, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $46 per month for insurance coverage.
SUV drivers will see rates of about $63 for insurance coverage, while car owners usually pay around $64 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Hacienda Heights, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Hacienda Heights is about $13 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||$80|
One other element taken into consideration is your housing status. Renters can expect to pay around $4 a month more than drivers who own property in Hacienda Heights. 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 car insurance costs, depending on your insurance company.
Car Insurance Companies in Hacienda Heights, CA
Recent trends in car insurance for Hacienda Heights drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Hacienda Heights, the rates for auto insurance dropped from 2017-2018, before steadying out in 2019. Policy premiums decreased again, hitting a low of $57 in 2021, and finishing up at $63.
How does Hacienda Heights compare to neighboring areas?
Why are car insurance rates in Hacienda Heights different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out 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:
- Regional laws
- Total number of drivers in the community
- Off-street parking access
- Prevalence of crime
- General road safety (how many accidents each locality has)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Hacienda Heights?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering policies in Hacienda Heights.
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Hacienda Heights Insurance FAQs
What factors affect car insurance quotes in Hacienda Heights?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Hacienda Heights different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Hacienda Heights?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Hacienda Heights?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Hacienda Heights or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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