Hesperia, CA Car Insurance

Car insurance costs an average of $158 each month in Hesperia. Paying too much? Enter your ZIP to compare rates.

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How much is auto insurance in Hesperia?


The average cost of car insurance in Hesperia, California, is $1,897 each year. That's greater than than the average in California ($1,868) and more expensive than the nationwide average of $1,548. Our guide to Hesperia car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more.


CAR INSURANCE RATES: HESPERIA VS. CALIFORNIA AND U.S. AVERAGES
Hesperia Average (per year) California Average United States Average
$1,897 $1,868 $1,548


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Hesperia auto insurance costs by insurer


The company-by-company differences in car insurance rates can be quite large, so it's important to be thorough when comparing quotes and choosing your insurer. In Hesperia, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Hesperia.


HESPERIA CAR INSURANCE RATES BY COMPANY
Company Average Yearly Rate
GEICO $1,356
Mercury $1,483
AAA $1,696
Alliance $1,810
Infinity $1,948


Read our guide to finding the best cheap auto insurance.



Hesperia car insurance costs by age

The age bracket that pays the least for auto insurance in Hesperia consists of drivers in their 60s, who pay an average of $1,693. Those in their 50s don't pay significantly more ($1,702).

Teenage drivers pay Hesperia's most expensive insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Hesperia is to celebrate your 20th birthday. In Hesperia, teenage drivers pay $6,228 — a full $4,526 more than the second-most expensive rate paid by an age group.


HESPERIA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tier Average Yearly Rate
Teenagers $6,228
20s $2,671
30s $1,848
40s $1,793
50s $1,702
60s $1,693
70s $1,950


Learn more about how age influences auto insurance rates.



Hesperia auto insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Hesperia pay $78 less than single drivers for auto insurance.

Gender is another factor that can impact auto insurance costs. In Hesperia, female drivers pay $4 per year more than do male drivers for car insurance.


HESPERIA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital Status Average Yearly Rate
Female $1,901
Male $1,897
Single $1,897
Married $1,819
Divorced $1,897
Widowed $1,843


Read more about the relationships between gender, marital status and insurance rates.



Hesperia car insurance rates by accident and violation history


Maintaining a clean driving record is an effective way to keep your insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Hesperia drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,287 per year when compared to the city average. A ticket for speeding leads to a $775 rate hike while a DWI or DUI violation costs $3,187per year in extra insurance expenditures.


HESPERIA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation Average Annual Rate
DUI/DWI $5,084
Reckless Driving $5,184
At-fault Accident (damages less than $1,000) $1,906
At-fault Accident (damages greater than $2,000) $3,318
Speeding Ticket (16-20 mph over speed limit) $2,672


Learn more about the impact of driving violations on car insurance rates.



Hesperia auto insurance rates by credit level


California is one of several U.S. states that does not allow insurance companies to use credit score as a rating factor.


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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.