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How much is car insurance in La Puente?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in La Puente is in line with pricing for the rest of California.
When compared to the national average, the cost for auto insurance in La Puente is lower. You can expect to pay about $25 below the national average for auto insurance in La Puente.
These may be the average auto insurance rates for La Puente, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've broken down the average rates for La Puente to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, 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|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in La Puente.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In La Puente, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In La Puente, a driving record with one accident will usually get you a rate around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $87 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$56|
According to the first table above, the cheapest vehicles to insure in La Puente are typically trucks and vans, at $50 per month.
SUV drivers will see rates of about $58 for car insurance coverage, while car owners usually pay around $56 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In La Puente, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in La Puente, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in La Puente. But if you live with your parents, your rates will be significantly higher.
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 Puente, CA
Recent trends in car insurance for La Puente drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of auto insurance coverage in La Puente had been decreasing from 2017-2019, before leveling out in 2020. Insurance rates finished up in 2022, at $52 per month
How does La Puente compare to neighboring areas?
Why are car insurance rates in La Puente different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Total number of drivers
- Road Safety (how many accidents each locality has)
- Regional laws
- Access to off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 La Puente?
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. Enter 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 that offer auto coverage in La Puente.
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La Puente Insurance FAQs
What factors affect car insurance quotes in La Puente?
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, marital status, and address.
Why is the cost of car insurance in La Puente different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 Puente?
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 Puente?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Puente 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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