West Covina, CA Car Insurance

How does West Covina stack up to the rest of the area, or even California as a whole? What should residents of West Covina expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in West Covina?

Based on the information in the chart above, you can see that on average, it's about $6 a month more expensive to insure your vehicle in West Covina than it is in the rest of California.

Compared to the rest of the country, auto insurance in West Covina is more affordable. It's about $19 cheaper than the national average to insure your vehicle in West Covina.

Although these are the average rates for auto insurance in West Covina, 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. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for West Covina residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance premiums, 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 begin to go back up in West Covina.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. In West Covina, the difference comes out to about $4 per month. Based on the chart above, you can see that female drivers pay around $59 on average, while male drivers typically pay $63 each month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in West Covina with a single accident will pay around $73 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $77.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in West Covina, with drivers paying around $46 per month for insurance coverage.

SUV drivers will see rates of about $53, while the rates for car owners average out to about $64 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. 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 West Covina, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in West Covina can be as much as $19 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $8 less than drivers who own property in West Covina. 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 West Covina, CA

Recent trends in car insurance for West Covina drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The rates for car insurance in West Covina had been increasing from 2017-2018, when they hit a high of $73. This shifted in 2019, when they began to turn downward again. They finished down in 2022, at $50 per month

How does West Covina compare to neighboring areas?

Why are car insurance rates in West Covina different from other areas?

There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

• Crime rates
• Number of drivers in the community
• Road Safety (frequency of local car accidents)
• Amount of off-street parking
• Community regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 West Covina?

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.

Luckily, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in West Covina in no time.

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West Covina Insurance FAQs

What factors affect car insurance quotes in West Covina?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in West Covina different from other neighboring cities?

Things like parking situations, local laws, and crime rates, 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 West Covina?

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 West Covina?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to West Covina or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.