Table of contents
How much is car insurance in Rialto?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Rialto is about $4 a month more expensive than the rest of California.
On the flip side, when compared to the national average, the cost for auto insurance in Rialto is lower. It's around $20 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Rialto, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 analyzed the average rate for Rialto and broken down the different factors to help you understand what exactly you might be asked to pay. 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, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Rialto drivers may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Rialto, although men do pay slightly less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Rialto, drivers with one accident on their record will experience rates around $80 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $98 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$59|
|15 Years or Older||$55|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Rialto, with drivers paying around $49 per month for insurance coverage.
Car owners can expect to pay an average of around $61 a month for their policy, while SUVs usually cost around $55 a month to insure.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Rialto, 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)||$65|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will award 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. Rialto follows that pattern, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In Rialto, homeowners can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, 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 average costs.
Car Insurance Companies in Rialto, CA
Recent trends in car insurance for Rialto drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
Auto insurance rates in Rialto rose from 2016-2017, before leveling out in 2018. They finished down in 2021, at $58 a month
How does Rialto compare to neighboring areas?
Why are car insurance rates in Rialto different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Frequency of car accidents
- Local laws
- Number of drivers
- Regional crime rates
- Off-street parking access
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Rialto?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer plans in Rialto.
Rialto Insurance FAQs
What factors affect car insurance quotes in Rialto?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Rialto different from other neighboring cities?
Things like local laws, crime rates, 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 Rialto?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Rialto?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Rialto or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?