Table of contents
How much is car insurance in Hawthorne?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $5 a month more expensive to insure your vehicle in Hawthorne than it is in the rest of California.
If you're thinking of moving to Hawthorne from out of state, you may still be in luck. It's around $19 less to insure your vehicle compared to the average rate for the U.S. as a whole.
These may be the average auto insurance rates for Hawthorne, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Hawthorne so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Hawthorne drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Hawthorne, however, men actually pay a bit 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 wildly. Drivers with clean records can expect to pay much less than those with accidents or violations. In Hawthorne, a driving record with one accident will usually get you a rate around $69 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $108.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$59|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Hawthorne, with drivers paying around $53 per month for auto insurance coverage.
Car owners, on the other hand, typically pay around $62 a month, while SUV drivers can expect to pay about $59 per month for insurance coverage.
You can also expect to see slightly different rates 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 monthly bill may start to dip back down. The most expensive vehicles to insure in Hawthorne are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, those who are currently married will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Hawthorne is no exception, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than homeowners in Hawthorne. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Hawthorne, CA
Recent trends in car insurance for Hawthorne drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in Hawthorne increased from from 2016-2018, when they reached a high of $64. This changed in 2019, when rates began to decrease. They hit a low of $56 in 2020, and finished up in 2021, at $57.
How does Hawthorne compare to neighboring areas?
Why are car insurance rates in Hawthorne different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of drivers in the region
- Access to off-street parking
- Road Safety (total number of local car accidents)
- Rate of crime
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?
Equipping 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.
Don't worry, 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 a number of the car insurance companies providing coverage in Hawthorne.
Hawthorne Insurance FAQs
What factors affect car insurance quotes in Hawthorne?
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, marital status, and address.
Why is the cost of car insurance in Hawthorne different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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?
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 Hawthorne 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.