Montclair, CA Car Insurance

Are rates in Montclair higher or lower than those in neighboring areas? How do they compare to the rest of California? How much can residents of Montclair expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Montclair?

Looking at the chart above, you can see it's around $5 a month cheaper to insure your vehicle in Montclair than it is in the rest of California.

Likewise, car insurance rates in Montclair are more affordable than the national average. Car insurance rates for the United States as a whole are, on average, $30 more expensive than the rates you'd pay in Montclair.

While these are the average monthly costs for auto insurance coverage in Montclair, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Montclair and broken down the different factors to help you understand what your policy's monthly premium will be. 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!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $43 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Montclair.

Average Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Montclair, although men do pay a bit less on their monthly insurance rates, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Montclair with a single accident on their record will usually see rates around $57 a month. Similarly, drivers with one ticket will typically pay around $68 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Montclair are by and large trucks and vans, with each type typically costing about $40 per month.

SUV drivers will see rates of about $54 to insure their car, while car owners typically pay around $52 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Montclair, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Montclair is no exception, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. Renters can expect to pay around $11 a month more than those who own their own home in Montclair. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Montclair, CA

Recent trends in car insurance for Montclair drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Montclair, car insurance rates declined from 2017-2019, when they hit a low of $42, but started to rise from 2020-2021. Insurance rates finished down in 2022, at $56.

How does Montclair compare to neighboring areas?

Why are car insurance rates in Montclair different from other areas?

There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

• Community laws
• Off-street parking access
• Amount of drivers in the community
• Crime levels
• Road safety

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Montclair?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Montclair in no time.

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Montclair Insurance FAQs

What factors affect car insurance quotes in Montclair?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Montclair different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Montclair?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Montclair?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Montclair or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.