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How much is car insurance in Porterville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $15 a month cheaper to insure your vehicle in Porterville than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Porterville. You can expect to pay about $40 below the national average for auto insurance in Porterville.
While these numbers are the average rates for auto insurance in Porterville, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Porterville and broken down the different factors to help you understand what exactly you might be asked to pay. 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|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $17 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Porterville drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Porterville, male drivers pay about $6 more a month. As illustrated in the table above, male drivers in the area pay about $44 on average, while female drivers pay around $38 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in Porterville with a single accident on their record will usually see rates around $45 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $37.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$36|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Porterville, with drivers paying around $37 per month for insurance.
Car owners, on the other hand, usually pay around $43 per month, while truck and van drivers can expect to pay about $38 a month for insurance coverage.
Vehicle age also plays a role in your monthly payment. 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 around 5 years old. In Porterville, 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)||$43|
More often than not, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The cost of auto insurance in Porterville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
Another factor that comes into play is your living situation. Renters can expect to pay around $1 a month less than drivers who own property in Porterville. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Porterville, CA
Recent trends in car insurance for Porterville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Auto insurance rates in Porterville increased from 2017-2018, where they reached a high of $46, before leveling out in 2019. Car insurance rates went up again in 2020, and finished down at $31 in 2022.
How does Porterville compare to neighboring areas?
Why are car insurance rates in Porterville different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking availability
- Regional regulations
- Total number of drivers in the community
- Frequency of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Porterville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Porterville.
Porterville Insurance FAQs
What factors affect car insurance quotes in Porterville?
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, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Porterville 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Porterville?
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 Porterville?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Porterville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.