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How much is car insurance in Whittier?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Whittier are about $5 a month more expensive than the rest of California.
That being said, car insurance rates in Whittier are more affordable than the national average. Auto insurance coverage in Whittier is about $19 cheaper than it is for the rest of the U.S.
Bear in mind that while these rates are the average costs for Whittier drivers, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.
Don't worry, we've done the work for you and broken down the average rates for Whittier to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up a bit once you hit retirement in Whittier.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While female drivers pay slightly less than male drivers on their monthly auto insurance coverage, the difference in Whittier is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Whittier with a single accident on their record will usually see rates around $77 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $84.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$62|
As you can see in the first table above, the cheapest vehicles to insure in Whittier are typically cars, which run about $59 per month.
Truck and van drivers will see rates of about $68, while the rates for SUV owners average out to about $65 per month.
The age of your vehicle has an impact on the cost of your policy as well. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Whittier, for example, are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
More often than not, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Whittier follows that pattern, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Another factor taken into consideration is your living situation. Normally, homeowners will get savings on their car insurance. However, renters can expect to pay around $2 a month less than those who own their own home in Whittier. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Whittier, CA
Recent trends in car insurance for Whittier drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The rates for auto insurance in Whittier rose from 2016-2017, when they reached a high of $74. This trend leveled out in 2018, when they began to decrease, and have continued to do so through the present, when policy premiums hit a low of $48 a month.
How does Whittier compare to neighboring areas?
Why are car insurance rates in Whittier different from other areas?
Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Total amount of drivers in the area
- Area regulations
- Road safety
- Off-street parking availability
- Prevalence of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Whittier?
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 can handle all of this for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Whittier.
Whittier Insurance FAQs
What factors affect car insurance quotes in Whittier?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Whittier different from other neighboring cities?
Things like local laws, parking situations, 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 Whittier?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Whittier?
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?
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 Whittier 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.