How much does auto insurance cost in Rancho Cucamonga?
Auto insurance costs an average of $1,935 per year in Rancho Cucamonga. That's more expensive than the average across California ($1,868) and more expensive 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 Rancho Cucamonga.
AUTO INSURANCE COSTS: RANCHO CUCAMONGA VS. STATE AND US AVERAGES
|Rancho Cucamonga Average (annual)||California Average||U.S. Average|
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Rancho Cucamonga auto insurance costs by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Rancho Cucamonga's most affordable premiums. See below the best companies for cheap auto insurance in Rancho Cucamonga — but don't forget to get personalized car insurance quotes to match your driving profile.
RANCHO CUCAMONGA CAR INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
Rancho Cucamonga car insurance premiums by age
The best age for car insurance rates as a driver in Rancho Cucamonga is your age_60s: drivers in this age group pay an average of $1,726per year. Those in their age_50s don't pay significantly more ($1,736).
Young drivers aged 16 to 19 pay the most for car insurance in Rancho Cucamonga. One of the easiest ways to lower your car insurance rates as a driver in Rancho Cucamonga 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 Rancho Cucamonga is $4,315, the largest such difference between any two age brackets.
RANCHO CUCAMONGA CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Annual Rate|
Rancho Cucamonga car insurance premiums by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Rancho Cucamonga pay $80 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Rancho Cucamonga, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. In Rancho Cucamonga, female drivers pay $3 per year more than do male drivers.
RANCHO CUCAMONGA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Rancho Cucamonga car insurance costs by violation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Rancho Cucamonga drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,340 per year versus the city average. A ticket for speeding results in a $793 rate hike, on average, while a DUI violation costs $3,243per year in insurance premiums.
AVERAGE RANCHO CUCAMONGA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,942|
|At-fault Accident (damages > $2,000)||$3,399|
|Speeding Ticket (16-20 mph over speed limit)||$2,728|
Rancho Cucamonga auto insurance premiums by credit score
It's no secret credit score is closely correlated with car insurance rates. Rancho Cucamonga 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. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Rancho Cucamonga, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.
RANCHO CUCAMONGA CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Level||Average Annual Rate|