Table of contents
How much is car insurance in Yorba Linda?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $9 a month more expensive to insure your vehicle in Yorba Linda than it is in the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Yorba Linda is rather affordable. Auto insurance coverage in Yorba Linda is about $15 cheaper than it is for the rest of the United States.
While these numbers are the average rates for auto insurance in Yorba Linda, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your policy's monthly price 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 Yorba Linda to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to go back up in Yorba Linda.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Yorba Linda, where female drivers pay around $70 per month while male drivers pay about $61.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Yorba Linda with one accident will pay around $83 a month. In addition, drivers with a single ticket on their record can expect to pay around $98 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$66|
|15 Years or Older||$57|
If you look at the first table above, the cheapest vehicles to insure in Yorba Linda are typically SUVs, at $49 per month.
Truck and van drivers will see rates of about $51 for auto insurance coverage, while car owners by and large pay around $68 per month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Yorba Linda, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
On average, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Yorba Linda are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $3 a month more than homeowners in Yorba Linda. But those who live at home with their parents can expect to pay significantly 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 Yorba Linda, CA
Recent trends in car insurance for Yorba Linda drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Yorba Linda, car insurance rates had been increasing from 2016-2017, when they hit a high of $73. This shifted in 2019, when car insurance rates started to decrease. They reached a low of $50 in 2020, and finished at $55 in 2021.
How does Yorba Linda compare to neighboring areas?
Why are car insurance rates in Yorba Linda different from other areas?
There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of crime
- Number of drivers in the area
- Off-street parking availability
- Road Safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Yorba Linda?
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.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Yorba Linda.
Yorba Linda Insurance FAQs
What factors affect car insurance quotes in Yorba Linda?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Yorba Linda 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 Yorba Linda?
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 Yorba Linda?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Yorba Linda or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?