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How much is car insurance in Tustin?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Tustin are in line with rates across the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Tustin is rather affordable. You can expect to pay about $26 below the national average for auto insurance in Tustin.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Tustin residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to increase again once you hit retirement in Tustin.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Tustin, the difference is around $5 a month. As you can see in the table above, female drivers in the area typically pay $52 on average, while female drivers typically pay $57 each month.
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. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Tustin with a single accident on their record is about $61 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $84 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$54|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Tustin, with drivers paying around $52 per month for auto insurance.
SUV drivers will see rates of about $53 for insurance coverage, while car owners typically pay around $56 per month.
In addition to vehicle type, 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 drop back down. The most expensive vehicles to insure in Tustin are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Tustin are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Tustin. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Tustin, CA
Recent trends in car insurance for Tustin drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Auto insurance rates in Tustin declined from 2017-2018, before increasing from 2020-2021. They finished down in 2022 at $51.
How does Tustin compare to neighboring areas?
Why are car insurance rates in Tustin different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (how many accidents each locality has)
- Total drivers
- Access to off-street parking
- Community laws
- Crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Tustin?
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.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Tustin.
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Tustin Insurance FAQs
What factors affect car insurance quotes in Tustin?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Tustin different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 Tustin?
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 Tustin?
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?
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 Tustin 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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