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How much is car insurance in Loma Linda?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Loma Linda is about $7 cheaper than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Loma Linda. Car insurance rates for the United States as a whole are, on average, $31 more expensive than the rates you'd pay in Loma Linda.
While these are the average monthly costs for auto insurance coverage in Loma Linda, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Loma Linda so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Loma Linda.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Loma Linda, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Loma Linda, a driving record with a single accident will usually get you a rate around $61 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $147.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$55|
|15 Years or Older||$52|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Loma Linda, with drivers paying around $44 per month for auto insurance coverage.
SUV drivers will see rates of about $53, while the rates for car owners average out to about $49 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. 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)||$54|
On average, married policyholders will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Loma Linda reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Another factor taken into consideration is your living situation. If you rent your home or apartment in Loma Linda, expect to pay around $13 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Loma Linda, CA
Recent trends in car insurance for Loma Linda drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Loma Linda, the rates for auto insurance went up from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $57 a month
How does Loma Linda compare to neighboring areas?
Why are car insurance rates in Loma Linda different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Local crime rates
- Local laws
- Access to off-street parking
- Road Safety (frequency of local car accidents)
- Total amount of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Loma Linda?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Loma Linda.
Loma Linda Insurance FAQs
What factors affect car insurance quotes in Loma Linda?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 Loma Linda 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, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 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 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Loma Linda 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.