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How much is car insurance in Yucca Valley?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Yucca Valley is about $11 a month cheaper.
When stacked up against the national average, the average monthly policy payment for Yucca Valley is more affordable. Auto insurance coverage in Yucca Valley is about $36 cheaper than it is for the rest of the U.S.
Bear in mind that while these rates are the average costs for Yucca Valley residents, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Yucca Valley 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 below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $17 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in Yucca Valley.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Yucca Valley, the difference comes out to about $6 a month. Looking at the table above, you can see that female drivers pay around $42 on average, while male drivers typically pay $48 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Yucca Valley, a driving record with one accident will usually get you a rate around $50 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $63.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$43|
In terms of affordable coverage, the cheapest vehicles to insure in Yucca Valley are by and large trucks and vans, at $39 per month.
Car owners will see a monthly premium of about $44, while SUV owners typically pay around $53 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Yucca Valley, vehicles less than or equal to one-year-old and eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Overall, married policyholders will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Yucca Valley is no exception, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$54|
Another factor that comes into play is your living accommodations. The average rates for both homeowners and renters in Yucca Valley are around $44 per month.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Yucca Valley, CA
Recent trends in car insurance for Yucca Valley drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Yucca Valley, the rates for car insurance went up from 2017-2018, before leveling out in 2019. Policy premiums finished down in 2022, at $48 a month
How does Yucca Valley compare to neighboring areas?
Why are car insurance rates in Yucca Valley different from other areas?
Car insurance companies will take into account many factors when they're deciding 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 live. These include things like:
- Regional laws
- Rate of car accidents
- Availability of off-street parking
- Total drivers
- Area crime rates
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. 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com can handle all of this for you. Just 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 that offer plans in Yucca Valley.
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Yucca Valley Insurance FAQs
What factors affect car insurance quotes in Yucca Valley?
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, credit score, address, and marital status.
Why is the cost of car insurance in Yucca Valley different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Yucca Valley?
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 Yucca Valley?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Yucca Valley or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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