Table of contents
How much is car insurance in Porter Ranch?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $22 a month more expensive to insure your vehicle in Porter Ranch than it is in the rest of California.
Conversely, car insurance rates in Porter Ranch are often favorable when viewed against the rest of the country. It's around $2 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average monthly costs for auto insurance coverage in Porter Ranch, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Porter Ranch to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $32 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates creep back up a bit in Porter Ranch.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Porter Ranch is about $17 a month. As illustrated in the table above, female drivers in the area pay about $68 on average, while male drivers pay around $85 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. The rate for drivers in Porter Ranch with a single accident on their record is about $61 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $135.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$66|
In Porter Ranch, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $62 per month for insurance.
Truck and van drivers will see rates of about $77 for car insurance, while car owners usually pay around $82 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. 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)||$79|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Porter Ranch can be as much as $16 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||$102|
Another factor taken into consideration is your living situation. Renters can expect to pay around $9 a month less than drivers who own property in Porter Ranch. But those who live at home with their parents can expect to pay significantly 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 Porter Ranch, CA
Recent trends in car insurance for Porter Ranch drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of car insurance coverage in Porter Ranch increased from 2016-2018, before leveling out in 2019. Car insurance rates finished down in 2021, at $67 a month
How does Porter Ranch compare to neighboring areas?
Why are car insurance rates in Porter Ranch different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Regional crime rates
- Availability of off-street parking
- Road Safety (total number of local car accidents)
- Area laws
- Amount of drivers
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 Porter Ranch?
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.
Luckily, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Porter Ranch in no time.
Porter Ranch Insurance FAQs
What factors affect car insurance quotes in Porter Ranch?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender 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 Porter Ranch different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Porter Ranch?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Porter Ranch?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Porter Ranch or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.