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How much is car insurance in Lompoc?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Lompoc is about $12 a month cheaper than it is for the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Lompoc. The average monthly payment in Lompoc is about $37 less than the rate for the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Lompoc and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just 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 longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may creep back up in Lompoc.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Lompoc, the difference is around $5 per month. As illustrated in the table above, female drivers in the area pay about $41 on average, while male drivers pay around $46 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Lompoc, drivers with one accident on their record will experience rates around $50 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $51.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$40|
The cheapest vehicles to insure in Lompoc are usually SUVs, with each type typically costing about $40 per month.
Truck and van drivers will see rates of about $49 for auto insurance, while car owners typically pay around $43 a month.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Lompoc are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
On average, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Lompoc can be as much as $16 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||$63|
One other element taken into consideration is your living accommodations. Homeowners in Lompoc can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot 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 average costs.
Car Insurance Companies in Lompoc, CA
Recent trends in car insurance for Lompoc drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for auto insurance in Lompoc went up from 2017-2018, when they hit a high of $58. This pattern leveled out in 2021, when they began to decrease, and have continued on that path through the present, where insurance rates finished at $33 per month.
How does Lompoc compare to neighboring areas?
Why are car insurance rates in Lompoc different from other areas?
Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Frequency of car accidents
- Amount of drivers in the region
- Off-street parking access
- Community regulations
- Crime levels
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Lompoc?
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.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Lompoc.
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Lompoc Insurance FAQs
What factors affect car insurance quotes in Lompoc?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Lompoc 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 Lompoc?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Lompoc?
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. 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 Lompoc 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?
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