Table of contents
How much is car insurance in Westminster?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $7 a month more expensive to insure your vehicle in Westminster than it is in the rest of California.
However, car insurance rates in Westminster are more affordable than the national average. You can expect to pay about $17 below the national average for auto insurance in Westminster.
These may be the average auto insurance rates for Westminster, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't sweat it however, we've broken down average rates for Westminster 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 for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Westminster may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Westminster, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay less than those with infractions. The rate for drivers in Westminster with a single accident on their record is about $79 a month. Similarly, drivers with one ticket will typically pay around $119 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$65|
The most affordable vehicles to insure in Westminster are usually SUVs, which run about $60 per month.
Car owners, on the other hand, typically pay around $65 a month, while truck and van drivers can expect to pay about $61 per month for insurance coverage.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Westminster, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Westminster is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in Westminster. 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 Westminster, CA
Recent trends in car insurance for Westminster drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Westminster, auto insurance rates rose from 2016-2017, when they reached a high of $75. This shifted in 2018, when car insurance rates began to decrease. They hit a low of $57 in 2019, and finished at $59 in 2021.
How does Westminster compare to neighboring areas?
Why are car insurance rates in Westminster different from other areas?
Car insurance companies will take into account numerous factors when deciding 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:
- Regional crime rates
- Availability of off-street parking
- Community regulations
- Total number of drivers
- Road Safety (frequency 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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Westminster?
While getting familiar with 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.
But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Westminster.
Westminster Insurance FAQs
What factors affect car insurance quotes in Westminster?
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 age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Westminster 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 Westminster?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Westminster?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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 Westminster 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.