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How much is car insurance in Rancho Cucamonga?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Rancho Cucamonga are in line with rates across the rest of California.
Similarly, the expected monthly payments for an auto insurance policy in Rancho Cucamonga are below the national average. The average monthly payment in Rancho Cucamonga is about $26 cheaper than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Rancho Cucamonga, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 broken down average rates for Rancho Cucamonga to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $34 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Rancho Cucamonga 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. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Rancho Cucamonga is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Rancho Cucamonga, having a single accident on your record will usually get you rates around $72 a month. Likewise, drivers with one ticket will be looking at a rate of around $67 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$60|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Rancho Cucamonga, with drivers paying around $50 per month for insurance.
Car owners, on the other hand, usually pay around $54 per month, while truck and van drivers can expect to pay about $66 a month for car insurance coverage.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Rancho Cucamonga, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally speaking, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Rancho Cucamonga follows that pattern, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $6 a month more than drivers who own property in Rancho Cucamonga. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Rancho Cucamonga, CA
Recent trends in car insurance for Rancho Cucamonga 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.
The rates for car insurance in Rancho Cucamonga dropped from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $45.
How does Rancho Cucamonga compare to neighboring areas?
Why are car insurance rates in Rancho Cucamonga different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Total number of drivers
- Road Safety (total number of local car accidents)
- Crime levels
- Availability of off-street parking
- Local regulations
An awareness of these factors is important 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 get started.
How can I find the cheapest car insurance in Rancho Cucamonga?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Rancho Cucamonga in no time.
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Rancho Cucamonga Insurance FAQs
What factors affect car insurance quotes in Rancho Cucamonga?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Rancho Cucamonga different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Rancho Cucamonga?
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 Rancho Cucamonga?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Rancho Cucamonga 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.
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