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How much is car insurance in Milpitas?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Milpitas is about $7 a month cheaper than it is for the rest of California.
Compared to the national average cost of auto insurance coverage, Milpitas has lower rates. It's around $32 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. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Milpitas and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, 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. As you can see, 18-24-year-olds pay $29 more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Milpitas.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Milpitas, however, male and female drivers both pay about the same rate to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Milpitas with a single accident on their record will usually see rates around $51 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $60.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$49|
As you can see in the first table above, the cheapest vehicles to insure in Milpitas are typically SUVs, which run about $47 per month.
Truck and van drivers will see rates of about $53 for car insurance coverage, while SUV owners by and large pay around $47 per month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. 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)||$49|
Overall, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Milpitas.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Milpitas can expect to pay around $5 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The cost of insurance in Milpitas decreased from 2017-2019, when it hit a low of $43, but started to rise from 2020-2021. It finished down in 2022, at $45.
How does Milpitas compare to neighboring areas?
Why are car insurance rates in Milpitas different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Access to off-street parking
- Amount of drivers in the region
- General road safety (how many accidents each locality has)
- Community laws
- Prevalence of crime
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 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.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Milpitas.
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Milpitas Insurance FAQs
What factors affect car insurance quotes in Milpitas?
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 gender and age, as well as your driving record, credit score, marital status, and address.
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 parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Milpitas?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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. 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 Milpitas 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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