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How much is car insurance in Hemet?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Hemet typically costs about $7 a month less than it does in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Hemet are below the national average. Auto insurance coverage in Hemet is about $32 cheaper than it is for the rest of the United States.
While these are the average car insurance rates for Hemet, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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 premium.
We've analyzed the average rate for Hemet and broken down the different factors to help you understand what your policy's monthly premium will be. 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|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may start to rise again in Hemet.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Hemet, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Hemet with a single accident will pay around $65 a month. Similarly, drivers with one ticket will typically pay around $66 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$48|
As you can see in the first table above, the cheapest vehicles to insure in Hemet are usually trucks and vans, which run about $43 per month.
Car owners will see a monthly rate of about $50, while SUV owners typically pay around $47 per month.
In addition to vehicle type, 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. In Hemet, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Hemet as well, where the difference is around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Hemet. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Hemet, CA
Recent trends in car insurance for Hemet drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
Car insurance rates in Hemet rose from 2017-2018, when they hit a high of $55. This pattern shifted in 2019, when they began to decrease, and have continued moving in that direction through 2022, when rates reached a low of $44 a month.
How does Hemet compare to neighboring areas?
Why are car insurance rates in Hemet different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Area regulations
- Off-street parking availability
- Road safety
- Total amount of drivers in the area
- Rate of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Hemet?
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.
But hold on! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Hemet in no time.
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Hemet Insurance FAQs
What factors affect car insurance quotes in Hemet?
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 gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Hemet different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Hemet?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Hemet?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Hemet 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.
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