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How much is car insurance in Yorba Linda?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Yorba Linda are about $6 a month more expensive than the rest of California.
If you're thinking of moving to Yorba Linda from out of state, you may still be in luck. The average monthly payment in Yorba Linda is about $19 less than the rate for the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But worry not, we've done the heavy lifting and broken down the average rate for Yorba Linda to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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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 auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $29 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates climb back up in Yorba Linda.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Yorba Linda, where female drivers pay around $70 per month while male drivers pay about $57.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Yorba Linda, having a single accident on your record will usually get you rates around $83 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $74.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$56|
If you look at the first table above, you'll see that SUVs, trucks, and vans are typically the cheapest vehicles to insure in Yorba Linda, with drivers paying around $50 per month for insurance.
The rate for car owners, on the other hand, is closer to $65 per 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 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)||$61|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
While married drivers normally pay less than single drivers, in Yorba Linda both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
One other element taken into consideration is your living situation. The average rates for both homeowners and renters in Yorba Linda are around $58 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Yorba Linda, CA
Recent trends in car insurance for Yorba Linda 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.
In Yorba Linda, auto insurance rates had been decreasing from 2019-2021, before steadying out in 2022. Car insurance rates finished up in 2022, at $58 a month
How does Yorba Linda compare to neighboring areas?
Why are car insurance rates in Yorba Linda different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Road Safety (total number of local car accidents)
- Local laws
- Availability of off-street parking
- Total number of drivers in the area
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. 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 Yorba Linda?
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.
Fortunately, Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Yorba Linda.
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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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in Yorba Linda different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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?
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 Yorba Linda?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Yorba Linda or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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