Table of contents
How much is car insurance in Lynwood?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of California are about $6 a month cheaper than the rates drivers pay in Lynwood.
However, car insurance rates in Lynwood are often favorable when viewed against the rest of the country. It's about $18 cheaper than the national average to insure your vehicle in Lynwood.
While these numbers represent the average monthly payments for coverage in Lynwood, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Lynwood and broken down the different factors to help you understand what exactly you might be asked to 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|
The more time you've spent on the road, the more experience you have. When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates climb back up a bit in Lynwood.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Lynwood, where women pay around $5 less a month. As you can see in the table above, male drivers in the area typically pay $64 on average, while female drivers typically pay $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Lynwood with a single accident on their record will usually see rates around $74 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $76.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$60|
According to the first table above, the cheapest vehicles to insure in Lynwood are typically trucks and vans, at $50 per month.
Cars and SUV, on the other hand, usually cost about $63 for insurance coverage.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Lynwood, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
On average, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lynwood, with married couples paying about $14 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your housing situation is another factor that affects your monthly rate. Homeowners in Lynwood can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Lynwood, CA
Recent trends in car insurance for Lynwood drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance in Lynwood rose from 2016-2018, before leveling out in 2019. Insurance rates finished down in 2021, at $47 per month
How does Lynwood compare to neighboring areas?
Why are car insurance rates in Lynwood different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Access to off-street parking
- Community regulations
- Number of drivers
- Road Safety (how many accidents each locality has)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Lynwood?
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.
Fortunately, Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Lynwood.
Lynwood Insurance FAQs
What factors affect car insurance quotes in Lynwood?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Lynwood different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Lynwood?
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 Lynwood?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Lynwood or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?