Downey Car Insurance

The Zebra
May 30, 2018

Car Insurance in Downey

On average, California premiums are $286 greater than the national average. Premiums run even higher in the city, so saving while insuring a vehicle in Downey is crucial. Let’s get started on how to save on car insurance in Downey.

  • City Average: $1,923
  • State Average: $1,713
  • National Average: $1,427

Downey Car Insurance by Gender and Marital Status

Several driver attributes, including marital status and gender, influence car insurance premiums in Downey. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being single, as opposed to married, can cost you an average of $85 more per year on car insurance. Typically, females have premiums that are more pricey than those for males, but not by much.

  • Female: $1,925
  • Male: $1,923
  • Single: $1,923
  • Married: $1,838
  • Divorced: $1,923
  • Widowed: $1,846

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Downey Car Insurance by Accident or Violation History

Do you have an accident or violation on your driving record? That can influence your car insurance rates. If you are found at-fault in an accident in Downey, you can expect your annual car insurance payments to grow by $1,082. Drivers with a DUI or reckless driving infraction in Downey need to spend nearly triple the average for the city to insure their vehicle.

  • DUI: $5,495
  • Reckless Driving: $5,495
  • At-fault Accident (damages less than $1000): $3,005
  • At-fault Accident (damages greater than $2000): $3,005
  • Speeding Ticket (16-20 mph over speed limit): $2,607

Downey Car Insurance by Age

With average car insurance payments of $7,095, teenage drivers have the largest premiums of any age group. At $1,641, drivers in their 60s have the smallest insurance rates among any age group. People in their 50s ($1,691) have premiums that aren't much higher. The largest decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Downey start seeing a reduction in premiums of $4,286. The first time drivers can expect their age to trigger an increase in premiums is when they turn 70.

  • Teenagers: $7,095
  • 20s: $2,808
  • 30s: $1,888
  • 40s: $1,824
  • 50s: $1,691
  • 60s: $1,641
  • 70s: $1,829

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance each year.