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How much is car insurance in Highland?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Highland are about the same as the rest of California.
If you're thinking of moving to Highland from out of state, you may still be in luck. Auto insurance coverage in Highland is about $23 cheaper than it is for the rest of the United States.
Although these are the average car insurance rates in Highland, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down the average rates for Highland to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates rise again in Highland.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Highland goes against the grain. Female drivers typically pay around $5 more per month to insure their vehicle than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Highland with one accident will pay around $58 a month. In addition, drivers with a single ticket on their record can expect to pay around $41 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$64|
As you can see in the first table above, the cheapest vehicles to insure in Highland are typically SUVs, which run about $46 per month.
Car owners will see rates of about $59, while truck and van owners usually pay around $52 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Highland, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally, people who are married will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Highland as well, where the difference is around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $3 a month more than homeowners in Highland. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Highland, CA
Recent trends in car insurance for Highland drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Highland rose from 2016-2017, before declining from 2018-2019. They finished down in 2021 at $50 per month.
How does Highland compare to neighboring areas?
Why are car insurance rates in Highland different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Area regulations
- Number of car accidents
- Regional crime rates
- Off-street parking availability
- Amount of drivers in the area
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. With the knowledge 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 Highland?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. 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 Highland.
Highland Insurance FAQs
What factors affect car insurance quotes in Highland?
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 vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Highland different from other neighboring cities?
Local laws, crime rates, 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 Highland?
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 Highland?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Highland or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.