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How much is car insurance in Perris?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Perris than it is in the rest of California.
Compared to the national average cost of auto insurance coverage, Perris has lower rates. You can expect to pay about $31 less for your policy in Perris than in the rest of United States.
While these numbers represent the average monthly payments for coverage in Perris, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Perris 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates creep back up a bit in Perris.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in Perris is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Perris with one accident will pay around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $58.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$48|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Perris, with drivers paying around $45 per month for auto insurance.
Truck and van drivers will see rates of about $50 for insurance coverage, while car owners usually pay around $51 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Perris, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Overall, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Perris reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Perris, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Perris, CA
Recent trends in car insurance for Perris drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Perris decreased from 2017-2018, before steadying out in 2019. Car insurance rates decreased again, hitting a low of $47 in 2021, and finished up at $48 in 2022.
How does Perris compare to neighboring areas?
Why are car insurance rates in Perris different from other areas?
Car insurance companies will take into account a lot of factors when they're 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:
- Road safety
- Total number of drivers
- Regional crime rates
- Off-street parking availability
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. 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 Perris?
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.
Good news! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing policies in Perris.
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Perris Insurance FAQs
What factors affect car insurance quotes in Perris?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Perris different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Perris?
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 Perris?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Perris or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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