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How much is car insurance in La Jolla?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in La Jolla as it is in the rest of California.
Likewise, car insurance rates in La Jolla are often favorable when viewed against the rest of the country. You can expect to pay about $26 less for your policy in La Jolla than in the rest of United States.
While these are the average monthly costs for auto insurance coverage in La Jolla, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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.
But don't worry, we've broken down the average rate for La Jolla residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code 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|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $22 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to increase again in La Jolla.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in La Jolla totals about $7 per month. As illustrated in the table above, female drivers in the area pay about $51 on average, while male drivers pay around $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. In La Jolla, a driving record with a single accident will usually get you a rate around $51 a month. In addition, drivers with a single ticket on their record can expect to pay around $49 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$51|
The most affordable vehicles to insure in La Jolla are by and large trucks and vans, which run about $43 per month.
SUV drivers will see rates of about $51, while the rates for car owners average out to about $57 a month.
Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in La Jolla are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
On average, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
While married drivers normally pay less than single drivers, in La Jolla both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your living situation is another factor that affects your monthly rate. In La Jolla, homeowners can expect to pay around $3 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in La Jolla, CA
Recent trends in car insurance for La Jolla 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 picking an insurance policy.
The rates for car insurance in La Jolla had been decreasing from 2017-2019, before steadying out in 2020. They finished down in 2022, at $44 per month
How does La Jolla compare to neighboring areas?
Why are car insurance rates in La Jolla different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Amount of off-street parking
- Area laws
- Amount of drivers in the region
- Frequency of car accidents
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 La Jolla?
Equipping 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.
But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in La Jolla.
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La Jolla Insurance FAQs
What factors affect car insurance quotes in La Jolla?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in La Jolla different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in La Jolla?
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 La Jolla?
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 La Jolla 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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