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How much is car insurance in Lemoore?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Lemoore is about $15 a month cheaper than it is for the rest of California.
If you're thinking of moving to Lemoore from out of state, you may still be in luck. On average, it's about $40 less to insure your vehicle in Lemoore than it is in the rest of the United States.
While these numbers are the average rates for auto insurance in Lemoore, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't sweat it however, we've broken down the average rate for Lemoore residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, 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|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $14 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates climb back up in Lemoore.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Lemoore bucks this trend. Female drivers typically pay around $4 more per month for auto insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Lemoore with one accident will pay around $52 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $53.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$36|
As you can see in the first table above, the cheapest vehicles to insure in Lemoore are typically SUVs, trucks, and vans, which run about $39 per month.
Car owners, meanwhile, pay on average $41 a month for insurance coverage.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is around 5 years old. In Lemoore, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$43|
Generally speaking, married policyholders will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Lemoore can be as much as $9 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$51|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Lemoore, expect to pay around $9 a month more than if you own your home. 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 with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Lemoore, CA
Recent trends in car insurance for Lemoore 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 shopping for coverage.
The rates for car insurance in Lemoore had been increasing from 2017-2019, when they hit a high of $45. This changed in 2020, when they began to turn downward again. They finished up in 2022, at $43 per month
How does Lemoore compare to neighboring areas?
Why are car insurance rates in Lemoore different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Local laws
- Frequency of car accidents
- Local crime rates
- Total amount of drivers in the community
- Amount of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Lemoore?
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.
Luckily, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Lemoore in no time.
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Lemoore Insurance FAQs
What factors affect car insurance quotes in Lemoore?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Lemoore different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Lemoore?
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 Lemoore?
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, 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 Lemoore 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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