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How much is car insurance in Imperial Beach?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Imperial Beach | $43 |
| CA | $56 |
| United States | $81 |
Looking at the chart above, you can see it's around $13 a month cheaper to insure your vehicle in Imperial Beach than it is in the rest of California.
Compared to the national average cost of auto insurance coverage, Imperial Beach has lower rates. Auto insurance coverage in Imperial Beach is about $38 cheaper than it is for the rest of the U.S.
While these are the average car insurance rates for Imperial Beach, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Imperial Beach residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $73 |
| 25-34 | $40 |
| 35-44 | $39 |
| 45-54 | $35 |
| 55-64 | $38 |
| 65+ | $41 |
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 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. Once you hit retirement, however, you may see your rates begin to go back up in Imperial Beach.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $42 |
| Female | $44 |
Car insurance rates for women are generally cheaper than they are for men. While this isn't true in Imperial Beach, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $63 |
| Multiple Accidents | $39 |
| 1 Ticket | $58 |
| Multiple Tickets | Not Enough Data |
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. Drivers in Imperial Beach with one accident will pay around $63 a month. In addition, drivers with a single ticket on their record can expect to pay around $58 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $39 |
| 2-3 Years | $53 |
| 4-5 Years | $44 |
| 6-7 Years | $40 |
| 8-10 Years | $46 |
| 11-14 Years | $45 |
| 15 Years or Older | $39 |
In terms of affordable coverage, the cheapest vehicles to insure in Imperial Beach are usually trucks and vans, at $39 per month.
Car owners can expect to pay an average of around $43 a month for their policy, while SUVs usually cost around $47 a month to insure.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Imperial Beach, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $49 |
| Married | $33 |
| Divorced | $34 |
| Widowed | $39 |
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
In Imperial Beach, the difference in rates based on relationship status can be as much as $16 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $40 |
| Rent | $43 |
| Live with parents | $43 |
One other element taken into consideration is your living accommodations. In Imperial Beach, homeowners can expect to pay around $3 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 Imperial Beach, CA
Recent trends in car insurance for Imperial Beach drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Car insurance rates in Imperial Beach increased from 2017-2018, when they reached a high of $53. This shifted in 2019, when insurance rates began to decrease. They hit a low of $40 in 2020, and finished down in 2022, at $41 a month.
How does Imperial Beach compare to neighboring areas?
Why are car insurance rates in Imperial Beach different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Total number of drivers in the area
- Rate of crime
- General road safety (how many accidents each locality has)
- Amount of off-street parking
- Regional regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Imperial Beach?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Imperial Beach.
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Imperial Beach Insurance FAQs
What factors affect car insurance quotes in Imperial Beach?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Imperial Beach different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Imperial Beach?
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 Imperial Beach?
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. 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 Imperial Beach 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?
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