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How much is car insurance in Indio?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Indio is about $11 cheaper than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for Indio is more affordable. The average monthly payment for the U.S. as a whole is about $36 more expensive than in Indio.
While these are the average costs to insure your vehicle in Indio, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Indio so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay about $19 more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Indio may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The price for auto insurance in Indio, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Indio, drivers with one accident on their record will experience rates around $58 a month. Similarly, drivers with one ticket will typically pay around $60 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$53|
|15 Years or Older||$45|
In terms of affordable coverage, the cheapest vehicles to insure in Indio are usually SUVs, at $43 per month.
Truck and van drivers will see rates of about $49, while the rates for car owners average out to about $45 a month.
Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Indio are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Indio is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $2 a month more than those who own their own home in Indio. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Indio, CA
Recent trends in car insurance for Indio 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.
The rates for auto insurance in Indio declined from 2017-2018, when they reached a low of $39. This leveled out in 2019, when they began to increase again. Policy premiums finished down in 2022, at $44 per month
How does Indio compare to neighboring areas?
Why are car insurance rates in Indio different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Amount of off-street parking
- Road Safety (frequency of car accidents)
- Total number of drivers in the region
- Community regulations
- Local crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Indio?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Indio.
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Indio Insurance FAQs
What factors affect car insurance quotes in Indio?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Indio different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Indio?
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 Indio?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Indio or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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