Table of contents
How much is car insurance in Upland?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Upland are about the same as the rest of California.
When compared to the national average, the cost for auto insurance in Upland is lower. Auto insurance coverage in Upland is about $24 cheaper than it is for the rest of the United States.
These may be the average auto insurance rates for Upland, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Upland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $31 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Upland drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Upland actually defies this trend. While female drivers pay $59 per month to insure their vehicle, males only pay about $53.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Upland with one accident will pay around $86 a month. Similarly, drivers with one ticket will typically pay around $112 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||$46|
|15 Years or Older||$58|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Upland, with drivers paying around $48 per month to insure their vehicle.
Truck and van drivers will see rates of about $55 for auto insurance coverage, while car owners usually pay around $57 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Upland, the most expensive vehicles to insure are vehicles two-to-three years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Upland can be as much as $9 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $4 a month more than drivers who own property in Upland. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Upland, CA
Recent trends in car insurance for Upland drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Car insurance rates in Upland rose from from 2016-2018, when they hit a high of $68. This changed in 2019, when car insurance rates started to decrease. They reached a low of $46 in 2020, and finished up in 2021, at $47.
How does Upland compare to neighboring areas?
Why are car insurance rates in Upland different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (how many accidents each locality has)
- Amount of off-street parking
- Regional regulations
- Amount of drivers in the area
- Rate of crime
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Upland?
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.
Fortunately, Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Upland.
Upland Insurance FAQs
What factors affect car insurance quotes in Upland?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Upland different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Upland?
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 Upland?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Upland or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?