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How much is car insurance in Temecula?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Temecula are in line with rates across the rest of California.
When stacked up against the national average, the average monthly policy payment for Temecula is more affordable. It's about $27 cheaper to insure your vehicle in Temecula compared to the average rate for the United States as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Temecula residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Temecula.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Temecula, however, the difference in monthly rates for car insurance is minimal.
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 much lower rates than those with accidents or violations. In Temecula, having a single accident on your record will usually get you rates around $65 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $61.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$56|
If you look at the first table above, the cheapest vehicles to insure in Temecula are by and large SUVs, at $45 per month.
Truck and van drivers will see rates of about $49, while the rates for car owners average out to about $56 per month.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Temecula are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Temecula as well, where the difference is around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
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 if you own your own home in Temecula. But if you live with your parents, your rates will be significantly higher.
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 Temecula, CA
Recent trends in car insurance for Temecula drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The cost of insurance in Temecula had been decreasing from 2017-2020, before steadying out in 2021. Policy premiums finished up in 2022, at $48 a month
How does Temecula compare to neighboring areas?
Why are car insurance rates in Temecula different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- General road safety (how many accidents each locality has)
- Access to off-street parking
- Number of drivers in the area
- Prevalence of crime
- Regional laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Temecula?
While knowing 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 will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Temecula.
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Temecula Insurance FAQs
What factors affect car insurance quotes in Temecula?
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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Temecula 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 Temecula?
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 Temecula?
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, 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 Temecula 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.
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