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How much is car insurance in La Quinta?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month cheaper to insure your vehicle in La Quinta than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for La Quinta is more affordable. It's about $32 cheaper to insure your vehicle in La Quinta compared to the average rate for the U.S. as a whole.
These rates may be the average amount residents of La Quinta pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for La Quinta to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. La Quinta drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. Male and female drivers in La Quinta, however, both pay around $48 a month for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in La Quinta with a single accident on their record will usually see rates around $49 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$45|
In terms of affordable coverage, the cheapest vehicles to insure in La Quinta are typically trucks and vans, at $39 per month.
Car owners, on the other hand, by and large pay around $47 per month, while SUV drivers can expect to pay about $58 a month for insurance coverage.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in La Quinta are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in La Quinta can be as much as $18 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $4 a month less than drivers who own property in La Quinta. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in La Quinta, CA
Recent trends in car insurance for La Quinta drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in La Quinta decreased from 2016-2018, before leveling out in 2019. They finished up in 2021, at $51 per month
How does La Quinta compare to neighboring areas?
Why are car insurance rates in La Quinta different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Off-street parking availability
- Total drivers
- Community laws
- Area crime rates
- General road safety (how many accidents each locality has)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in La Quinta?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in La Quinta.
La Quinta Insurance FAQs
What factors affect car insurance quotes in La Quinta?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Quinta 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 Quinta?
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 Quinta?
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. 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 Quinta 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?