Auto insurance costs an average of $131 per month in Chico. If you're paying too much, compare rates and save.
Car insurance coverage costs an average of $1,579 each year in Chico. That's less than the average in California ($1,868) and more expensive than the nationwide average of $1,548. Keep reading to discover more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Chico.
|Chico Average (annual)||California Average||National Average|
The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Chico's cheapest rates. We've listed the best cheap car insurance companies in Chico below. Use this information as a starting point and make sure to seek out quotes specific to your unique driving profile.
|Company||Average Annual Rate|
Chico drivers in their 50s pay relatively affordable car insurance rates just $1,418 each year, on average. Those in their 60s don't pay much more ($1,420).
Teenage drivers pay Chico's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Chico is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Chico is $2,906, the largest such difference between any two age brackets.
|Age bracket||Average Annual Rate|
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Chico pay $71 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.
Gender is another factor that can affect car insurance rates. In Chico, female drivers pay $1 per year more than do male drivers.
|Gender/Marital Status||Average Annual Rate|
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Chico, a reckless driving citation results in an average insurance rate increase of $2,672 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,593 increase, and a speeding ticket brings about a $637 rate hike.
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,585|
|At-fault Accident (damages greater than $2,000)||$2,781|
|Speeding Ticket (16-20 mph over speed limit)||$2,216|
California is one of several U.S. states that does not allow insurers to use credit score as a determinant of rates.