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How much is car insurance in Loma Linda?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Loma Linda is about $8 a month cheaper than it is for the rest of California.
Similarly, when compared to the national average, the cost for auto insurance in Loma Linda is lower. You can expect to pay about $33 less for your policy in Loma Linda than in the rest of U.S.
Although these are the average car insurance rates in Loma Linda, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Loma Linda residents 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 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|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates start to rise again in Loma Linda.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Loma Linda, however, the difference in monthly rates for car insurance 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. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Loma Linda with a single accident on their record will usually see rates around $58 a month. Similarly, drivers with one ticket will typically pay around $74 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$49|
As you can see in the first table above, the cheapest vehicles to insure in Loma Linda are usually cars, which run about $46 per month.
SUV owners, on the other hand, by and large pay around $51 a month, while truck and van drivers can expect to pay about $50 per month to insure their car.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Loma Linda, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Overall, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Loma Linda follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Loma Linda. 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 overall costs, depending on your insurance company.
Car Insurance Companies in Loma Linda, CA
Recent trends in car insurance for Loma Linda 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.
The cost of auto insurance coverage in Loma Linda dropped from 2017-2018, before leveling out in 2019. Policy premiums finished down in 2022, at $44 a month
How does Loma Linda compare to neighboring areas?
Why are car insurance rates in Loma Linda different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Rate of crime
- Road Safety (how many accidents each locality has)
- Off-street parking access
- Total number of drivers in the region
- Local regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Loma Linda?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Loma Linda.
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Loma Linda Insurance FAQs
What factors affect car insurance quotes in Loma Linda?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Loma Linda different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Loma Linda?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Loma Linda?
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 Loma Linda 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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