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How much is car insurance in Mira Loma?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Mira Loma are about the same as the rest of California.
Similarly, car insurance rates in Mira Loma are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $28 more expensive than in Mira Loma.
Keep in mind that while these are the average car insurance rates for Mira Loma, it isn't guaranteed that it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Mira Loma residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $27 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Mira Loma.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Mira Loma is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Mira Loma, a driving record with a single accident will usually get you a rate around $58 a month. Likewise, drivers with one ticket will be looking at a rate of around $70 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$55|
In terms of affordable coverage, the cheapest vehicles to insure in Mira Loma are usually trucks and vans, at $47 per month.
SUV drivers will see rates of about $52, while the rates for car owners average out to about $54 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Mira Loma, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Mira Loma is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Your housing situation is another factor that affects your monthly rate. Those who own their own home in Mira Loma can expect to pay around $2 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 Mira Loma, CA
Recent trends in car insurance for Mira Loma drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Mira Loma, the rates for auto insurance went up from 2017-2018, before leveling out in 2019. Insurance rates finished up in 2022, at $49 a month
How does Mira Loma compare to neighboring areas?
Why are car insurance rates in Mira Loma different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Regional laws
- Rate of car accidents
- Availability of off-street parking
- Crime levels
- Total number of drivers in the community
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 Mira Loma?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Mira Loma in no time.
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Mira Loma Insurance FAQs
What factors affect car insurance quotes in Mira Loma?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Mira Loma different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Mira Loma?
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 Mira Loma?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Mira Loma 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.
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