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How much is car insurance in La Habra?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in La Habra are in line with rates across the rest of California.
Compared to the national average cost of auto insurance coverage, La Habra has lower rates. It's about $23 cheaper to insure your vehicle in La Habra compared to the average rate for the U.S. as a whole.
These may be the average auto insurance rates for La Habra, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to 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 the bill you'll see each month.
But don't worry, we've broken down the average rate for La Habra residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay $21 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in La Habra.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in La Habra, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In La Habra, drivers with one accident on their record will experience rates around $79 a month. Similarly, drivers with one ticket will typically pay around $57 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$56|
In La Habra, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $47 per month for auto insurance coverage.
Cars and SUVs, however, usually cost about $60 for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In La Habra, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in La Habra is about $8 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
One other element taken into consideration is your living accommodations. If you rent your home or apartment in La Habra, expect to pay around $9 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in La Habra, CA
Recent trends in car insurance for La Habra drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
Car insurance rates in La Habra dropped from 2017-2020, when they reached a low of $52. Car insurance rates began to increase in 2021, and this trend has continued through 2022, when rates have most recently hit $69.
How does La Habra compare to neighboring areas?
Why are car insurance rates in La Habra different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Area crime rates
- Off-street parking accessibility
- Total number of drivers in the area
- Road Safety (frequency of car accidents)
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 La Habra?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering auto coverage in La Habra.
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La Habra Insurance FAQs
What factors affect car insurance quotes in La Habra?
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, credit score, address, and marital status.
Why is the cost of car insurance in La Habra 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 local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in La Habra?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to La Habra?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 La Habra 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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