Table of contents
How much is car insurance in Oroville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Oroville typically costs about $16 a month less than it does in the rest of California.
Likewise, car insurance rates in Oroville are more affordable than the national average. The average monthly payment for the United States as a whole is about $40 more expensive than in Oroville.
These rates may be the average amount drivers in Oroville pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Oroville residents so that you can get a more accurate idea of what you might pay. 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|
|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 your monthly premium, 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 every 10 years or so. Drivers in Oroville may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Oroville, male drivers pay about $5 more per month. Based on the chart above, you can see that female drivers pay around $38 on average, while male drivers typically pay $43 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Oroville, drivers with one accident on their record will experience rates around $61 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $85.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$39|
If you look at the first table above, the cheapest vehicles to insure in Oroville are by and large SUVs, at $38 per month.
Truck and van drivers will see rates of about $42 for auto insurance, while car owners usually pay around $41 a month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Oroville are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$44|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Oroville follows that pattern, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners and renters alike can expect to pay about $39 per month for coverage in Oroville.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Oroville, CA
Recent trends in car insurance for Oroville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Oroville, auto insurance rates had been increasing from 2016-2017, when they hit a high of $44. This pattern shifted in 2020, when they began to decrease, and have continued on that road through the present -- when policy premiums reached a low of $32 per month.
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 many factors when choosing how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Total number of drivers in the area
- Regional regulations
- Road Safety (frequency of car accidents)
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Oroville?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Oroville.
Oroville Insurance FAQs
What factors affect car insurance quotes in Oroville?
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 Oroville different from other neighboring cities?
Things like crime rates, local laws, 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 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?
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 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.