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How much is car insurance in Sun Valley?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of California are about $14 a month cheaper than the rates drivers pay in Sun Valley.
However, when compared to the national average, the cost for auto insurance in Sun Valley is lower. You can expect to pay about $10 below the national average for auto insurance in Sun Valley.
Although these are the average rates for auto insurance in Sun Valley, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But worry not, we've done the heavy lifting and broken down the average rate for Sun Valley to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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 longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up in Sun Valley.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Sun Valley men actually pay $68 per month for coverage while women pay $73.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Sun Valley, a driving record with one accident will usually get you a rate around $74 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $63.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$64|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Sun Valley, with drivers paying around $59 per month for auto insurance coverage.
Car owners, on the other hand, by and large pay around $70 a month, while SUV drivers can expect to pay about $73 per month for insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Sun Valley, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and two-to-three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Sun Valley.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $4 a month less than homeowners in Sun Valley. But if you live with your parents, you can expect to pay a lot 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 Sun Valley, CA
Recent trends in car insurance for Sun Valley drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
Auto insurance rates in Sun Valley have been mixed as of late, they dropped in 2016, increased in 2018, and decreased again in 2020, before finishing at $69 in 2021.
How does Sun Valley compare to neighboring areas?
Why are car insurance rates in Sun Valley different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Local crime rates
- Off-street parking availability
- Total number of drivers in the community
- General road safety (how many accidents each locality has)
- Community laws
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Sun Valley?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Sun Valley.
Sun Valley Insurance FAQs
What factors affect car insurance quotes in Sun Valley?
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, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Sun Valley different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Sun 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 Sun Valley?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Sun Valley or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?