How much does car insurance cost in Clovis?
The average car insurance rate in Clovis is $1,771 per year. That's cheaper than the average in California ($1,868) and pricier than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Clovis.
CAR INSURANCE RATES IN CLOVIS
|Clovis Average (annual)||California Average||National Average|
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Clovis auto insurance premiums by insurer
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, GEICO provides Clovis's cheapest rates. We've gathered the best cheap car insurance companies in Clovis below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
CLOVIS CAR INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Clovis auto insurance premiums by age
The age group that enjoys the lowest auto insurance rates in Clovis are drivers in their age_60s, who pay an average of $1,575per year. Those in their age_50s don't pay much more ($1,584).
The Clovis drivers who face the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Clovis is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Clovis is $3,972, the largest such difference between any two age groups.
CLOVIS CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Yearly Rate|
Clovis car insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In Clovis, married drivers pay $72 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Clovis, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can impact auto insurance costs. In Clovis, female drivers pay $2 per year more than do male drivers.
CLOVIS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Clovis auto insurance premiums by incident history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Clovis drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $2,984 per year versus the city average. A ticket for speeding results in a $724 rate hike while a DWI or DUI violation costs $2,897per year in extra insurance expenditures.
AVERAGE CLOVIS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,778|
|At-fault Accident (damages > $2,000)||$3,108|
|Speeding Ticket (16-20 mph over speed limit)||$2,495|
Clovis auto insurance rates by credit tier
Credit score is often closely correlated with car insurance costs. Clovis drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Clovis, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
CLOVIS CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Yearly Rate|