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How much is car insurance in Pacoima?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Pacoima are about $11 a month more expensive than the rest of California.
When stacked up against the national average, the average monthly policy payment for Pacoima is more affordable. Auto insurance coverage in Pacoima is about $13 cheaper than it is for the rest of the U.S.
These may be the average auto insurance rates for Pacoima, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down the average rate for Pacoima residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may begin to increase again in Pacoima.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Pacoima, 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|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Pacoima with a single accident will pay around $83 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $76.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$66|
As you can see in the first table above, the cheapest vehicles to insure in Pacoima are by and large SUVs, which run about $58 per month.
Car owners, on the other hand, usually pay around $69 a month, while truck and van drivers can expect to pay about $60 per month to insure their vehicle.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Pacoima, 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)||$70|
Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Pacoima can be as much as $16 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your housing situation is another component of how insurance companies calculate your monthly rate. Whether rent your home or own property in Pacoima, you can expect to pay around $64 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Pacoima, CA
Recent trends in car insurance for Pacoima drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Pacoima, the rates for auto insurance increased from 2016-2017, when they reached a high of $87. This changed in 2020, when rates began to decrease. This trend has continued through the present, where rates recently hit $60.
How does Pacoima compare to neighboring areas?
Why are car insurance rates in Pacoima different from other areas?
Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Community laws
- Total number of drivers in the community
- Frequency of car accidents
- Prevalence of crime
- Off-street parking access
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. Knowing 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 Pacoima?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those 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 on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Pacoima.
Pacoima Insurance FAQs
What factors affect car insurance quotes in Pacoima?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Pacoima different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Pacoima?
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 Pacoima?
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. 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 Pacoima or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?