Table of contents
How much is car insurance in North Highlands?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in North Highlands are in line with rates across the rest of California.
Likewise, car insurance rates in North Highlands are more affordable than the national average. It's about $25 cheaper to insure your vehicle in North Highlands compared to the average rate for the United States as a whole.
Bear in mind that while these rates represent the expected monthly payments for North Highlands residents, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've analyzed the average rate for North Highlands and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may begin to go back up in North Highlands.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In North Highlands, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in North Highlands with a single accident on their record is about $69 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $63 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$52|
According to the first table above, the cheapest vehicles to insure in North Highlands are usually trucks and vans, at $50 per month.
SUV drivers will see rates of about $54, while the rates for car owners average out to about $57 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In North Highlands, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in North Highlands can be as much as $7 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Another factor that comes into play is your housing status. Whether rent your home or own property in North Highlands, you can expect to pay around $53 per month.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in North Highlands, CA
Recent trends in car insurance for North Highlands drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In North Highlands, car insurance rates went up from 2016-2018, before steadying out in 2019. Policy premiums finished down in 2021, at $57 a month
How does North Highlands compare to neighboring areas?
Why are car insurance rates in North Highlands different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Road Safety (frequency of car accidents)
- Area laws
- Amount of off-street parking
- Crime rates
- Total amount of drivers in the community
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 North Highlands?
While knowing 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.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in North Highlands.
North Highlands Insurance FAQs
What factors affect car insurance quotes in North Highlands?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 North Highlands different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 North Highlands?
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 North Highlands?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to North Highlands 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.