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How much is car insurance in Ladera Ranch?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Ladera Ranch is about $4 a month cheaper.
Likewise, car insurance rates in Ladera Ranch are often favorable when viewed against the rest of the country. It's around $29 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Ladera Ranch, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Ladera Ranch so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code 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|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $37 more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Ladera Ranch.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Ladera Ranch, the difference comes out to about $6 per month. As you can see in the chart above, car insurance for women in the area typically costs around $48 each month, while men pay $54 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Ladera Ranch with a single accident will pay around $82 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $54 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$36|
|15 Years or Older||$62|
The most affordable vehicles to insure in Ladera Ranch are by and large trucks and vans, which run about $41 per month.
Car owners, on the other hand, usually pay around $53 a month, while SUV drivers can expect to pay about $62 per month for insurance coverage.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Ladera Ranch are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
In Ladera Ranch, the difference in rates based on relationship status can be as much as $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
One other element taken into consideration is your living accommodations. Those who own their own home in Ladera Ranch can expect to pay around $8 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 Ladera Ranch, CA
Recent trends in car insurance for Ladera Ranch drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The rates for car insurance in Ladera Ranch declined from 2017-2018, before steadying out in 2019. They finished down in 2022, at $38 a month
How does Ladera Ranch compare to neighboring areas?
Why are car insurance rates in Ladera Ranch different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Off-street parking availability
- Road Safety (how many accidents each locality has)
- Regional crime rates
- Local laws
- Total amount of drivers in the area
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Ladera Ranch?
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.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Ladera Ranch.
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Ladera Ranch Insurance FAQs
What factors affect car insurance quotes in Ladera Ranch?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Ladera Ranch different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Ladera Ranch?
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 Ladera Ranch?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Ladera Ranch 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.
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