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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.
Similarly, car insurance rates in Poway are more affordable than the national average. You can expect to pay about $26 below the national average for auto insurance in Poway.
Bear in mind that while these rates are the average costs for drivers in Poway, it doesn't mean that'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 based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
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 policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up a bit in Poway.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Poway goes against the grain. Female drivers typically pay around $9 more a month for insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Poway, a driving record with one accident will usually get you a rate around $63 a month. Similarly, drivers with one ticket will typically pay around $63 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$52|
If you look at the first table above, you'll see that cars, trucks, and vans are by and large the cheapest vehicles to insure in Poway, with drivers paying around $51 per month for insurance coverage.
The bill for SUV owners, on the other hand, is closer to $71 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Poway, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally speaking, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Poway as well, where the difference is around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $4 a month less than those who own their own home in Poway. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Poway, CA
Recent trends in car insurance for Poway 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.
The cost of car insurance in Poway increased from 2016-2017, before leveling out in 2018. Rates finished down in 2021, at $38 a month
How does Poway compare to neighboring areas?
Why are car insurance rates in Poway different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Number of car accidents
- Rate of crime
- Number of drivers in the region
- Regional laws
- Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 Poway?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Poway.
Poway Insurance FAQs
What factors affect car insurance quotes in Poway?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Poway different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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 relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Poway or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.