Table of contents
How much is car insurance in La Habra?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in La Habra is in line with pricing for the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in La Habra is rather affordable. On average, it's about $22 less to insure your vehicle in La Habra than it is in the rest of the U.S.
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. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for La Habra to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up once you hit retirement in La Habra.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance, La Habra actually defies this trend. While female drivers pay $61 a month for car insurance, males only pay about $57.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In La Habra, having a single accident on your record will usually get you rates around $82 a month. In addition, drivers with a single ticket on their record can expect to pay around $59 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$56|
According to the first table above, the cheapest vehicles to insure in La Habra are by and large trucks and vans, at $46 per month.
SUV drivers will see rates of about $65, while the rates for car owners average out to about $60 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, once your car is a few years old, you might start to see your rates slide back down slightly. In La Habra, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
On average, married policyholders will pay slightly less to insure their vehicle. 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, married drivers typically pay less than single drivers for auto insurance. La Habra 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||$76|
Another factor that comes into play is your housing status. Renters can expect to pay around $12 a month more than those who own their own home in La Habra. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in La Habra, CA
Recent trends in car insurance for La Habra drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In La Habra, the rates for auto insurance went up from 2016-2017, when they reached a high of $84. This shifted in 2018, when they began to decrease again. They finished up in 2021, at $69 a month
How does La Habra compare to neighboring areas?
Why are car insurance rates in La Habra different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Off-street parking availability
- Road Safety (how many accidents each locality has)
- Total drivers
- Regional crime rates
- Regional regulations
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in La Habra?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in La Habra.
La Habra Insurance FAQs
What factors affect car insurance quotes in La Habra?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in La Habra different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 time, regardless of how long is left on your current policy. So, if you've recently moved to La Habra or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.