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How much is car insurance in Oroville?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Oroville is about $16 a month cheaper.
When stacked up against the national average, the average monthly policy payment for Oroville is more affordable. You can expect to pay about $41 below the national average for auto insurance in Oroville.
While these are the average car insurance rates for Oroville, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
But don't worry, we've broken down average rates for Oroville 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 for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? 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.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates creep back up in Oroville.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Oroville, the difference comes out to about $4 a month. As illustrated in the table above, female drivers in the area pay about $38 on average, while male drivers pay around $42 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Oroville with a single accident will pay around $59 a month. Likewise, drivers with one ticket will be looking at a rate of around $63 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$38|
In terms of affordable coverage, the cheapest vehicles to insure in Oroville are typically SUVs, at $38 per month.
Truck and van drivers will see rates of about $39 for auto insurance coverage, while car owners by and large pay around $41 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Oroville, 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)||$42|
Overall, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Oroville is about $6 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||$56|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $1 a month less than those who own their own home in Oroville. Those who live with their parents, however, can expect to pay a lot more.
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 average premiums.
Car Insurance Companies in Oroville, CA
Recent trends in car insurance for Oroville 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 Oroville decreased from 2017-2018, before leveling out in 2019. Car insurance rates decreased again, reaching a low of $34 in 2021, before finishing up at $40 in 2022.
How does Oroville compare to neighboring areas?
Why are car insurance rates in Oroville different from other areas?
Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Crime rates
- Number of car accidents
- Off-street parking availability
- Community laws
- Number of drivers
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Oroville?
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 put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Oroville.
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Oroville Insurance FAQs
What factors affect car insurance quotes in Oroville?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Oroville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Oroville?
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 Oroville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Oroville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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