Table of contents
How much is car insurance in Morgan Hill?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $14 a month cheaper to insure your vehicle in Morgan Hill than it is in the rest of California.
Compared to the rest of the country, auto insurance in Morgan Hill is more affordable. The average monthly payment in Morgan Hill is about $38 cheaper than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Morgan Hill, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Morgan Hill residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $27 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Morgan Hill may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Morgan Hill is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Morgan Hill, having a single accident on your record will usually get you rates around $51 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $75.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$40|
If you look at the first table above, the cheapest vehicles to insure in Morgan Hill are usually SUVs, trucks, and vans, at $41 per month.
Car owners, meanwhile, pay on average $43 per month for insurance coverage.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your rates begin to drop back down. 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|
On average, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Morgan Hill as well, where the difference is around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Your housing status is another factor that affects your monthly rate. In Morgan Hill, homeowners can expect to pay around $4 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Morgan Hill, CA
Recent trends in car insurance for Morgan Hill drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Morgan Hill increased from 2016-2017, before leveling out in 2018. They finished up in 2021, at $43 a month
How does Morgan Hill compare to neighboring areas?
Why are car insurance rates in Morgan Hill different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Number of drivers in the area
- Off-street parking accessibility
- Road safety
- Local crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Morgan Hill?
While getting familiar with 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. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Morgan Hill.
Morgan Hill Insurance FAQs
What factors affect car insurance quotes in Morgan Hill?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Morgan Hill different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Morgan Hill?
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 Morgan Hill 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?