Mountain View, CA Car Insurance

Residents of Mountain View pay around $47 monthly for their car insurance coverage. To find out more check out our guide below.
What can Mountain View residents expect to pay for their car insurance? How does Mountain View stack up to the rest of the area, or even California as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Mountain View?

Area Average Monthly Car Insurance Premium
Mountain View$47
CA$56
United States$80

As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in Mountain View than it is in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in Mountain View. It's around $33 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Although these are the average rates for auto insurance in Mountain View, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Mountain View residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$71
25-34$46
35-44$40
45-54$38
55-64$35
65+$45

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay significantly 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. Drivers in Mountain View may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$44
Female$55

Despite the national trend of women paying less than men for auto insurance coverage, in Mountain View men actually pay $44 per month for coverage while women pay $55.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$54
Multiple Accidents$52
1 Ticket$65
Multiple Tickets$53

Rates can change drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Mountain View, drivers with one accident on their record will experience rates around $54 a month. In addition, drivers with one ticket can expect to pay around $65 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$57
2-3 Years$45
4-5 Years$44
6-7 Years$45
8-10 Years$52
11-14 Years$45
15 Years or Older$48

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Mountain View, with drivers paying around $45 per month for insurance.

Car owners, on the other hand, by and large pay around $47 a month, while SUV drivers can expect to pay about $49 per month for insurance coverage.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Mountain View, 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)$48
Married$45
Divorced$40
Widowed$35

Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

As you can see in the table above, married couples pay about the same rate as single drivers in Mountain View.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$52
Live with parents$92

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Mountain View. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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

Car Insurance Companies in Mountain View, CA

Recent trends in car insurance for Mountain View drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The rates for car insurance in Mountain View rose from 2016-2017, when they reached a high of $60. This trend changed in 2020, when they began to decrease, and have continued to do so through the present, when rates hit a low of $43 a month.

How does Mountain View compare to neighboring areas?

Why are car insurance rates in Mountain View different from other areas?

Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Community regulations
  • Regional crime rates
  • Road Safety (frequency of local car accidents)
  • Off-street parking access
  • Total number of drivers in the area

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Mountain View?

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.

But hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Mountain View.

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Mountain View Insurance FAQs

What factors affect car insurance quotes in Mountain View?

The factors that car insurance companies take into account when calculating your monthly cost 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 Mountain View different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

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 Mountain View?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Mountain View or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes