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How much is car insurance in Porterville?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Porterville are about $15 a month cheaper than in the rest of California.
Compared to the national average cost of auto insurance coverage, Porterville has lower rates. It's about $39 cheaper than the national average to insure your vehicle in Porterville.
Although these are the average rates for auto insurance in Porterville, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Porterville so that you can get a more accurate idea of what your monthly bill might be. 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|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay around $16 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Porterville.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Porterville is about $7 a month. As illustrated in the table above, female drivers in the area pay about $38 on average, while male drivers pay around $45 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Porterville, a driving record with one accident will usually get you a rate around $45 a month. In addition, drivers with one ticket can expect to pay around $46 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$37|
In terms of affordable coverage, the cheapest vehicles to insure in Porterville are usually trucks and vans, at $38 per month.
SUV drivers will see rates of about $40 for auto insurance, while car owners typically pay around $42 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Porterville are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$44|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Porterville follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
Another factor taken into consideration is your housing status. Renters can expect to pay around $1 a month less than those who own their own home in Porterville. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Porterville, CA
Recent trends in car insurance for Porterville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Porterville, auto insurance rates rose from 2016-2018, where they reached a high of $46, before leveling out in 2019. Insurance rates went up once again in 2020, and have continued rising through 2021, where they finished at $45 a month.
How does Porterville compare to neighboring areas?
Why are car insurance rates in Porterville different from other areas?
There are several factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Rate of crime
- Number of drivers
- Road safety
- Off-street parking availability
- Regional laws
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Porterville?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Porterville.
Porterville Insurance FAQs
What factors affect car insurance quotes in Porterville?
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, credit score, address, and marital status.
Why is the cost of car insurance in Porterville different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Porterville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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?
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 Porterville 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.