Table of contents
How much is car insurance in Montclair?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Montclair typically costs about $6 a month less than it does in the rest of California.
If you're thinking of moving to Montclair from out of state, you may still be in luck. Auto insurance coverage in Montclair is about $30 cheaper than it is for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Montclair, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for Montclair to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $43 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Montclair drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Montclair, although women do pay a little bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Montclair, a driving record with a single accident will usually get you a rate around $63 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$42|
|15 Years or Older||$47|
If you look at the first table above, the cheapest vehicles to insure in Montclair are typically trucks and vans, at $39 per month.
SUV drivers will see rates of about $54 to insure their car, while car owners by and large pay around $51 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Montclair, the most expensive vehicles to insure are vehicles six-to-seven years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Montclair follows that pattern, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your living situation is another factor that affects your monthly rate. In Montclair, homeowners can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Montclair, CA
Recent trends in car insurance for Montclair 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 shopping for coverage.
In Montclair, car insurance rates have been mixed over the past few years. They increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $57 in 2021.
How does Montclair compare to neighboring areas?
Why are car insurance rates in Montclair different from other areas?
Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road safety
- Area laws
- Off-street parking access
- Number of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Montclair?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Montclair in no time.
Montclair Insurance FAQs
What factors affect car insurance quotes in Montclair?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Montclair different from other neighboring cities?
Things like local laws, crime rates, 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 Montclair?
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 Montclair?
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 Montclair 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?