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How much is car insurance in Lawndale?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Lawndale is in line with pricing for the rest of California.
Compared to the national average cost of auto insurance coverage, Lawndale has lower rates. The average monthly payment for the U.S. as a whole is about $22 more expensive than in Lawndale.
Keep in mind that these are the average auto insurance rates for Lawndale, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rates for Lawndale residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates climb back up in Lawndale.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for insurance coverage, this is not the case in Lawndale, where female drivers pay around $62 per month while male drivers pay about $56.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Lawndale, a driving record with a single accident will usually get you a rate around $73 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $57.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$56|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Lawndale, with drivers paying around $50 per month for insurance.
Truck and van drivers will see rates of about $58 for car insurance, while car owners typically pay around $59 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Lawndale, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Lawndale, the difference in rates based on relationship status can be as much as $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your housing situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Lawndale can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Lawndale, CA
Recent trends in car insurance for Lawndale drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The cost of car insurance coverage in Lawndale increased from 2016-2017, before leveling out in 2018. Policy premiums finished up in 2021, at $58 per month
How does Lawndale compare to neighboring areas?
Why are car insurance rates in Lawndale different from other areas?
Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking availability
- Amount of drivers in the area
- Local crime rates
- Regional laws
- Number of car accidents
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 Lawndale?
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.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering policies in Lawndale.
Lawndale Insurance FAQs
What factors affect car insurance quotes in Lawndale?
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 year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Lawndale different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Lawndale?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Lawndale?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Lawndale 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?