Hawthorne, CA Car Insurance

Compared to their surrounding area, how do rates in Hawthorne stack up? What about against the rest of California? How much can residents of Hawthorne expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Hawthorne?

As you can see in the chart above, it is around $4 a month more expensive to insure your vehicle in Hawthorne than it is in the rest of California.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Hawthorne is rather affordable. It's about $21 cheaper than the national average to insure your vehicle in Hawthorne.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

Don't worry, we've done the work for you and broken down the average rates for Hawthorne to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may rise again in Hawthorne.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. While this isn't true in Hawthorne, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Hawthorne, having a single accident on your record will usually get you rates around $66 a month. In addition, drivers with a single ticket on their record can expect to pay around $84 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Hawthorne are by and large trucks and vans, with each type typically costing about $55 per month.

SUV drivers will see rates of about $57 to insure their vehicle, while car owners typically pay around $61 per month.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Hawthorne, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

More often than not, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Hawthorne can be as much as $5 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than homeowners in Hawthorne. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Hawthorne, CA

Recent trends in car insurance for Hawthorne drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Hawthorne, the rates for car insurance had been increasing from 2017-2018, when they hit a high of $64. This changed in 2019, when rates started to decrease. They reached a low of $53 in 2021, and finished at $56 in 2022.

How does Hawthorne compare to neighboring areas?

Why are car insurance rates in Hawthorne different from other areas?

When considering how much to charge for coverage, car insurance companies will review many factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

• Amount of off-street parking
• Local laws
• Rate of car accidents
• Number of drivers in the region
• Crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Hawthorne?

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.

But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Hawthorne.

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Hawthorne Insurance FAQs

What factors affect car insurance quotes in Hawthorne?

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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Hawthorne different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Hawthorne?

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 Hawthorne?

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 Hawthorne 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.