Mountain View, CA Car Insurance

How does Mountain View stack up to the rest of the area, or even California as a whole? What should residents of Mountain View expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Mountain View?

Based on the chart above, you can see that coverage in Mountain View typically costs about $9 a month less than it does in the rest of California.

When stacked up against the national average, the average monthly policy payment for Mountain View is more affordable. The average monthly payment for the U.S. as a whole is about $34 more expensive than in Mountain View.

While these are the average car insurance rates for Mountain View, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Mountain View residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement in Mountain View.

Average Car Insurance Rates by Gender

Despite the national trend of women paying less than men for auto insurance, in Mountain View men actually pay $44 per month for coverage while women pay $54.

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 much lower rates than those with accidents or violations. Drivers in Mountain View with a single accident on their record will usually see rates around $53 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $56.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Mountain View are typically trucks and vans, which run about $45 per month.

Car owners can expect to pay an average of around $47 a month for their policy, while SUVs usually cost around $48 a month to insure.

You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Mountain View, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

The cost of auto insurance in Mountain View reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. Those who own their own home in Mountain View can expect to pay around $11 a month less than those who rent. 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 car insurance costs, depending on your insurance company.

Car Insurance Companies in Mountain View, CA

Recent trends in car insurance for Mountain View drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Mountain View, the rates for auto insurance have been steadily decreasing, reaching a low of $43 in 2022.

How does Mountain View compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The specifics of where you live will have an impact on your personal policy. This might include things like:

• Road Safety (frequency of local car accidents)
• Area crime rates
• Total amount of drivers in the area
• Regional regulations
• Availability of off-street parking

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 Mountain View?

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 has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Mountain View in no time.

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Mountain View Insurance FAQs

What factors affect car insurance quotes in Mountain View?

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, address, and marital status.

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?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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?