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How much is car insurance in Olivehurst?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $8 a month cheaper to insure your vehicle in Olivehurst than it is in the rest of California.
Likewise, car insurance rates in Olivehurst are often favorable when viewed against the rest of the country. The average monthly payment for the United States as a whole is about $32 more expensive than in Olivehurst.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The bill you'll see 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 Olivehurst residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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 experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $32 more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Olivehurst drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Olivehurst, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay much less than those with infractions. The rate for drivers in Olivehurst with a single accident on their record is about $56 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $60.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$48|
If you look at the first table above, the cheapest vehicles to insure in Olivehurst are usually trucks and vans, at $39 per month.
Car owners, on the other hand, typically pay around $47 per month, while SUV drivers can expect to pay about $68 a month for insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Olivehurst, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally speaking, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Olivehurst, the difference in rates based on relationship status can be as much as $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your living accommodations is another component of how insurance companies calculate your monthly rate. The average rates for both homeowners and renters in Olivehurst are around $45 per month.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Olivehurst, CA
Recent trends in car insurance for Olivehurst drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Olivehurst increased from 2016-2017, when they hit a high of $56. This leveled out in 2018, when rates started to decrease. They reached a low of $42 in 2019, and finished down in 2021, at $43 per month.
How does Olivehurst compare to neighboring areas?
Why are car insurance rates in Olivehurst different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- General road safety (how many accidents each locality has)
- Crime levels
- Off-street parking availability
- Amount of drivers in the area
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Olivehurst?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Olivehurst.
Olivehurst Insurance FAQs
What factors affect car insurance quotes in Olivehurst?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Olivehurst different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Olivehurst?
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 Olivehurst?
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. 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 Olivehurst or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?