Twentynine Palms, CA Car Insurance

Compared to their surrounding area, how do rates in Twentynine Palms stack up? What about against the rest of California? What can Twentynine Palms residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Twentynine Palms?

Based on the chart above, you can see that coverage in Twentynine Palms typically costs about $11 a month less than it does in the rest of California.

Similarly, when compared to the national average, the cost for auto insurance in Twentynine Palms is lower. The average monthly payment for the U.S. as a whole is about $36 more expensive than in Twentynine Palms.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Twentynine Palms residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $23 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may begin to go back up in Twentynine Palms.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. In Twentynine Palms, this difference shakes out to about $5 a month. Looking at the table above, you can see that female drivers pay around $42 on average, while male drivers typically pay $47 each month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Twentynine Palms with one accident will pay around $62 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $64 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Twentynine Palms are by and large SUVs, at $39 per month.

Cars, trucks, and vans on the other hand, cost about the same to insure, around $46 per month.

The age of your vehicle 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 a few years old, however, you may see your rates begin to drop back down. In Twentynine Palms, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Twentynine Palms as well, where the difference is around $4 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing situation. In Twentynine Palms, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Twentynine Palms, CA

Recent trends in car insurance for Twentynine Palms drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Twentynine Palms, auto insurance rates decreased from 2017-2019, before leveling out in 2020. Policy premiums finished up in 2022, at $44 per month

How does Twentynine Palms compare to neighboring areas?

Why are car insurance rates in Twentynine Palms different from other areas?

Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

• Total number of drivers in the area
• Local crime rates
• Laws
• Access to off-street parking
• Road Safety (total number of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Twentynine Palms?

Arming 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.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Twentynine Palms.

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Twentynine Palms Insurance FAQs

What factors affect car insurance quotes in Twentynine Palms?

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, marital status, and address.

Why is the cost of car insurance in Twentynine Palms 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 Twentynine Palms?

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 Twentynine Palms?

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 Twentynine Palms 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.