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How much is car insurance in Poway?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Poway are about the same as what you would pay anywhere else in California.
Likewise, car insurance rates in Poway are more affordable than the national average. The average monthly payment in Poway is about $26 less than the rate for the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a number of factors when deciding what amount to charge you for insuring 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 even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Poway so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Poway drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Poway, where female drivers pay around $58 per month while male drivers pay about $53.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Poway, drivers with one accident on their record will experience rates around $77 a month. Similarly, drivers with one ticket will typically pay around $59 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Poway are usually trucks and vans, at $50 per month.
SUV drivers will see rates of about $70 for insurance coverage, while car owners typically pay around $53 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Poway, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Generally, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Poway is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Poway. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Poway, CA
Recent trends in car insurance for Poway 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.
In Poway, auto insurance rates declined from 2017-2018, before rising from 2020-2021. They finished down in 2022 at $52.
How does Poway compare to neighboring areas?
Why are car insurance rates in Poway different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Regional regulations
- Access to off-street parking
- Regional crime rates
- General road safety (how many accidents each locality has)
- Amount of drivers in the community
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Poway?
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 can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing policies in Poway.
Poway Insurance FAQs
What factors affect car insurance quotes in Poway?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Poway different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Poway?
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 Poway?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Poway or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?