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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.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Spring Valley is rather affordable. It's about $31 cheaper to insure your vehicle in Spring Valley compared to the average rate for the United States as a whole.
Although these are the average car insurance rates in Spring Valley, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see 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 Spring Valley and broken down the different factors to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $29 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may begin to go back up in Spring Valley.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Spring Valley, although men do pay a little bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Spring Valley, a driving record with one accident will usually get you a rate around $67 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $72 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$47|
The most affordable vehicles to insure in Spring Valley are typically trucks and vans, which run about $46 per month.
Car owners will see a monthly rate of about $51, while SUV owners by and large pay around $49 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Spring Valley, 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)||$52|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
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 situation. In Spring Valley, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Spring Valley, CA
Recent trends in car insurance for Spring Valley 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 picking an insurance policy.
In Spring Valley, the rates for car insurance went up from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $45 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 take into account a variety of factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Regional crime rates
- Access to off-street parking
- Number of drivers in the region
- Local laws
- Road Safety (total number of local car accidents)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Spring Valley?
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.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Spring Valley.
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Spring Valley Insurance FAQs
What factors affect car insurance quotes in Spring Valley?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Spring Valley different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Spring Valley?
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 by using 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 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?
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 Spring Valley 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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