Car insurance costs an average of $158 each month in Hesperia. Paying too much? Enter your ZIP to compare rates.
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.
| Hesperia Average (per year) | California Average | United States Average |
| $1,897 | $1,868 | $1,548 |
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.
| 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.
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.
| 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.
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.
| 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.
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.
| 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.
California is one of several U.S. states that does not allow insurance companies to use credit score as a rating factor.