Highland, CA Car Insurance

How does Highland stack up to the rest of the area, or even California as a whole? What rates can residents of Highland expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Highland?

As you can tell by looking at the chart above, auto insurance rates in Highland are about the same as the rest of California.

Compared to the rest of the country, auto insurance in Highland is more affordable. It's about $26 cheaper to insure your vehicle in Highland compared to the average rate for the U.S. as a whole.

Although these are the average rates for auto insurance in Highland, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get 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 policy payment.

Don't sweat it however, we've broken down average rates for Highland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Highland may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Highland actually goes against the grain. While female drivers pay $57 a month for insurance coverage, males only pay about $53.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Highland with a single accident on their record is about $58 a month. Likewise, drivers with one ticket will be looking at a rate of around $41 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Highland, with drivers paying around $46 per month to insure their vehicle.

Truck and van drivers will see rates of about $50 for car insurance coverage, while car owners usually pay around $57 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 close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Highland are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Highland is no exception, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. Renters can expect to pay around $2 a month more than those who own their own home in Highland. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Highland, CA

Recent trends in car insurance for Highland 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 Highland, the rates for car insurance had been decreasing from 2017-2019, before leveling out in 2020. Car insurance rates have been decreasing again recently, and were down to $44 in 2022.

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 a monthly rate, car insurance companies will consider a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

• Area crime rates
• Road Safety (total number of local car accidents)
• Number of drivers in the area
• Community regulations
• Off-street parking availability

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 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 hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Highland.

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Highland Insurance FAQs

What factors affect car insurance quotes in Highland?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Highland?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Highland 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?