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How much is car insurance in La Crescenta?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in La Crescenta are about $15 a month more expensive than the rest of California.
On the flip side, car insurance rates in La Crescenta are often favorable when viewed against the rest of the country. On average, it's about $10 less to insure your vehicle in La Crescenta than it is in the rest of the United States.
Keep in mind that these are the average auto insurance rates for La Crescenta, and that the rate you get could end up being something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for La Crescenta and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $69 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. La Crescenta drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This rings true in La Crescenta, where women pay around $4 less per month than men. Based on the chart above, you can see that female drivers pay around $68 on average, while male drivers typically pay $72 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically 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 La Crescenta, a driving record with one accident will usually get you a rate around $85 a month. In addition, drivers with one ticket can expect to pay around $91 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$65|
The most affordable vehicles to insure in La Crescenta are by and large trucks and vans, which run about $57 per month.
SUV drivers will see rates of about $71, while the rates for car owners average out to about $73 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in La Crescenta are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Generally speaking, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
The difference in rates based on relationship status in La Crescenta can be as much as $23 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $3 less than those who own their own home in La Crescenta. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in La Crescenta, CA
Recent trends in car insurance for La Crescenta drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for auto insurance in La Crescenta increased from 2017-2019, when they hit a high of $87. This shifted in 2020, when policy premiums started to decrease. They reached a low of $51 in 2021, and finished up in 2022, at $54 a month.
How does La Crescenta compare to neighboring areas?
Why are car insurance rates in La Crescenta different from other areas?
There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Road safety
- Area crime rates
- Local regulations
- Off-street parking availability
- Total number of drivers in the community
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 La Crescenta?
While knowing 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.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in La Crescenta.
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La Crescenta Insurance FAQs
What factors affect car insurance quotes in La Crescenta?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in La Crescenta different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in La Crescenta?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to La Crescenta?
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 La Crescenta 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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