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How much is car insurance in Castle Rock?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Castle Rock are in line with rates across the rest of Colorado.
When stacked up against the national average, the average monthly policy payment for Castle Rock is more affordable. The average monthly payment in Castle Rock is about $8 cheaper than the rate for the rest of the United States.
Bear in mind that while these are the average car insurance rates for Castle Rock, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Castle Rock and broken down the different factors 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|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $45 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may creep back up a bit in Castle Rock.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Castle Rock, where women pay around $9 less per month. Based on the chart above, you can see that male drivers pay $78 on average, while female drivers typically pay $69 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 lower rates than those with infractions. The rate for drivers in Castle Rock with a single accident on their record is about $84 a month. Similarly, drivers with one ticket will typically pay around $86 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$83|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Castle Rock, with drivers paying around $61 per month to insure their vehicle.
Car owners will see a monthly bill of about $74, while SUV owners typically pay around $73 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Castle Rock are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Overall, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Castle Rock are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Your housing status is another component of how insurance companies calculate your monthly rate. In Castle Rock, homeowners can expect to pay around $5 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 Castle Rock, CO
Recent trends in car insurance for Castle Rock drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Rates in Castle Rock have been mixed recently. They rose in 2017, dropped in 2019, and increased again in 2021, before finishing at $73 in 2022.
How does Castle Rock compare to neighboring areas?
Why are car insurance rates in Castle Rock different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Amount of off-street parking
- Road safety
- Regional crime rates
- Community regulations
- Amount of drivers in the region
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Castle Rock?
Equipping 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.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Castle Rock.
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Castle Rock Insurance FAQs
What factors affect car insurance quotes in Castle Rock?
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 gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Castle Rock different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Castle Rock?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Castle Rock?
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. 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 Castle Rock 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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