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How much is car insurance in Spring Valley?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Spring Valley is about $6 cheaper than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Spring Valley. On average, it's about $30 less to insure your vehicle in Spring Valley than it is in the rest of the United States.
While these numbers represent the average monthly payments for coverage in Spring Valley, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't worry, we've done the work for you and broken down the average rates for Spring Valley to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Spring Valley.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Spring Valley is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Spring Valley, a driving record with a single accident will usually get you a rate around $68 a month. In addition, drivers with one ticket can expect to pay around $92 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$46|
If you look at the first table above, the cheapest vehicles to insure in Spring Valley are by and large trucks and vans, at $47 per month.
Car owners, on the other hand, typically pay around $51 a month, while SUV drivers can expect to pay about $48 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Spring Valley, 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)||$52|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Spring Valley are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Another factor taken into consideration is your housing status. In Spring Valley, homeowners can expect to pay around $2 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Spring Valley, CA
Recent trends in car insurance for Spring Valley drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Spring Valley, the rates for car insurance had been increasing from 2016-2018, before steadying out in 2019. Insurance rates finished down in 2021, at $42 a month
How does Spring Valley compare to neighboring areas?
Why are car insurance rates in Spring Valley different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Availability of off-street parking
- Rate of crime
- Number of drivers in the community
- Rate of car accidents
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. 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 Spring Valley?
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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Spring Valley.
Spring Valley Insurance FAQs
What factors affect car insurance quotes in Spring Valley?
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 Spring Valley different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Spring Valley?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Spring Valley?
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?
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 Spring Valley 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.