Table of contents
How much is car insurance in Yucca Valley?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Yucca Valley is about $11 cheaper than it is in the rest of California.
Compared to the rest of the country, auto insurance in Yucca Valley is more affordable. The average monthly payment in Yucca Valley is about $35 less than the rate for the rest of the U.S.
Although these are the average car insurance rates in Yucca Valley, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 payment amount.
Don't sweat it however, we've broken down the average rate for Yucca Valley residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay around $16 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in Yucca Valley.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Yucca Valley, this difference shakes out to about $5 a month. Based on the chart above, you can see that female drivers pay around $42 on average, while male drivers typically pay $47 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Yucca Valley with a single accident will pay around $51 a month. In addition, drivers with a single ticket on their record can expect to pay around $42 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$43|
The cheapest vehicles to insure in Yucca Valley are by and large trucks and vans, with each type typically costing about $40 per month.
Car owners, on the other hand, typically pay around $44 per month, while SUV drivers can expect to pay about $52 a month for insurance coverage.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Yucca Valley are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Yucca Valley are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Your housing situation is another factor that affects your monthly rate. Those who own their own home in Yucca Valley can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Yucca Valley, CA
Recent trends in car insurance for Yucca Valley drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Yucca Valley, the rates for auto insurance declined from 2016-2017, before leveling out in 2018. Insurance rates finished up in 2021, at $60 per month
How does Yucca Valley compare to neighboring areas?
Why are car insurance rates in Yucca Valley different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking accessibility
- Total number of drivers in the area
- Road Safety (how many accidents each locality has)
- Rate of crime
- Local laws
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 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 Yucca Valley?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those 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, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Yucca Valley.
Yucca Valley Insurance FAQs
What factors affect car insurance quotes in Yucca Valley?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Yucca Valley 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 local laws, parking situations, 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 Yucca Valley?
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 Yucca Valley?
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?
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 Yucca Valley or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?