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How much is car insurance in Porter Ranch?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Porter Ranch are about $23 a month more expensive than the rest of California.
Conversely, car insurance rates in Porter Ranch are often favorable when viewed against the rest of the country. On average, it's about $2 less to insure your vehicle in Porter Ranch than it is in the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Porter Ranch 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, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $30 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may creep back up in Porter Ranch.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Porter Ranch, the difference is around $16 a month. As you can see in the table above, female drivers in the area typically pay $68 on average, while female drivers typically pay $84 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Porter Ranch, drivers with one accident on their record will experience rates around $77 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $99.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$74|
According to the first table above, the cheapest vehicles to insure in Porter Ranch are by and large SUVs, at $62 per month.
Truck and van drivers will see rates of about $75, while the rates for car owners average out to about $83 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are 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 Porter Ranch, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
More often than not, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Porter Ranch can be as much as $18 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $14 a month less than homeowners in Porter Ranch. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Porter Ranch, CA
Recent trends in car insurance for Porter Ranch drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Porter Ranch, the rates for car insurance increased from 2017-2018 -- where they reached a high of $90 -- before leveling out in 2019. Insurance rates had been increasing again in 2020, and finished down at $79 in 2022.
How does Porter Ranch compare to neighboring areas?
Why are car insurance rates in Porter Ranch different from other areas?
Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Off-street parking access
- Rate of crime
- Total number of drivers in the area
- Local laws
- Road Safety (total number of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Porter Ranch?
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. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Porter Ranch.
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Porter Ranch Insurance FAQs
What factors affect car insurance quotes in Porter Ranch?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Porter Ranch different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Porter Ranch?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Porter Ranch?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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 Porter Ranch 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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