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How much is car insurance in Morgan Hill?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Morgan Hill are about $13 a month cheaper than in the rest of California.
Similarly, the expected monthly payments for an auto insurance policy in Morgan Hill are below the national average. It's about $38 cheaper to insure your vehicle in Morgan Hill compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Morgan Hill, 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 to get car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Morgan Hill residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Morgan Hill.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Morgan Hill, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Morgan Hill with a single accident on their record will usually see rates around $52 a month. In addition, drivers with a single ticket on their record can expect to pay around $54 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$41|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Morgan Hill, with drivers paying around $40 per month for insurance.
Car owners can expect to pay an average of around $43 a month for their policy, while truck and van drivers are usually around $42 to insure each month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Morgan Hill, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$44|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Morgan Hill follows that pattern, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than those who own their own home in Morgan Hill. Those who live with their parents, however, can expect to pay a lot 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 Morgan Hill, CA
Recent trends in car insurance for Morgan Hill drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of insurance in Morgan Hill had been decreasing from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $43 a month
How does Morgan Hill compare to neighboring areas?
Why are car insurance rates in Morgan Hill different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of crime
- Area laws
- Off-street parking accessibility
- Amount of drivers
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Morgan Hill?
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.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Morgan Hill.
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Morgan Hill Insurance FAQs
What factors affect car insurance quotes in Morgan Hill?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Morgan Hill 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 Morgan Hill?
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 Morgan Hill?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Morgan Hill 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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