Table of contents
How much is car insurance in Milpitas?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Milpitas is about $6 a month cheaper than it is for the rest of California.
Likewise, when compared to the national average, the cost for auto insurance in Milpitas is lower. It's around $30 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average rates for auto insurance in Milpitas, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down average rates for Milpitas residents so that you can get a more accurate idea of what you might pay. 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!
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, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Milpitas may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. Male and female drivers in Milpitas, however, both pay around $50 per month to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Milpitas with a single accident will pay around $58 a month. In addition, drivers with one ticket can expect to pay around $66 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$48|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Milpitas, with drivers paying around $45 per month for auto insurance coverage.
Truck and van drivers will see rates of about $55 for insurance coverage, while car owners usually pay around $50 a month.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Milpitas, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
More often than not, people who are married will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Milpitas are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Milpitas, expect to pay around $8 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 average premiums, depending on your insurance company.
Car Insurance Companies in Milpitas, CA
Recent trends in car insurance for Milpitas 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 Milpitas, auto insurance rates dropped from 2016-2019, when they hit a low of $43. This pattern leveled out in 2020, when they began to rise, and have continued to do so through 2021, when policy premiums reached a high of $62 per month.
How does Milpitas compare to neighboring areas?
Why are car insurance rates in Milpitas different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Number of drivers
- Availability of off-street parking
- Local regulations
- Regional crime rates
- Road Safety (total number of local car accidents)
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Milpitas?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Milpitas.
Milpitas Insurance FAQs
What factors affect car insurance quotes in Milpitas?
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 Milpitas 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Milpitas?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Milpitas?
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 Milpitas 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.