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How much is car insurance in North Hills?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in North Hills will typically run you about $16 a month more than in the rest of California.
When stacked up against the national average, the average monthly policy payment for North Hills is more affordable. The average monthly payment for the United States as a whole is about $9 more expensive than in North Hills.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for North Hills residents based on several different factors 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 Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates creep back up once you hit retirement age in North Hills.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In North Hills, although women do pay a bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In North Hills, having a single accident on your record will usually get you rates around $97 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $129.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$74|
The most affordable vehicles to insure in North Hills are usually SUVs, which run about $63 per month.
Car owners will see rates of about $75, while truck and van owners typically pay around $65 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In North Hills, 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)||$76|
Generally, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in North Hills is about $18 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$112|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in North Hills, expect to pay around $12 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Hills, CA
Recent trends in car insurance for North Hills drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In North Hills, the rates for car insurance had been decreasing from 2017-2018, before steadying out in 2019. Insurance rates decreased again, hitting a low of $61 in 2021, and finished up at $72 in 2022.
How does North Hills compare to neighboring areas?
Why are car insurance rates in North Hills different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking accessibility
- Amount of drivers
- Rate of car accidents
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 North Hills?
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 below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in North Hills.
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North Hills Insurance FAQs
What factors affect car insurance quotes in North Hills?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in North Hills 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 North Hills?
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 North Hills?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Hills 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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