Fullerton Car Insurance

The Zebra
May 30, 2018

Car Insurance in Fullerton

Fullerton has premiums that are fairly equivalent to the state average, as they are within $14 of one another. Let’s get started on how to save on car insurance in Fullerton.

  • City Average: $1,727
  • State Average: $1,713
  • National Average: $1,427

Fullerton Car Insurance by Age

The greatest drop in premiums for Fullerton drivers happens when they reach their 20s. Once out of the teenage age bracket, people pay 61% less in premiums. The first time drivers can anticipate their age to trigger an increase in rates is when they turn 70. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest insurance payments among any age group, with rates of $1,491 per year. Those in their 50s ($1,529) aren’t paying much more. Teenage drivers have the most expensive rates of any age group, with car insurance payments of $6,405 on average.

  • Teenagers: $6,405
  • 20s: $2,513
  • 30s: $1,698
  • 40s: $1,645
  • 50s: $1,529
  • 60s: $1,491
  • 70s: $1,668

Fullerton Car Insurance by Accident or Violation History

Maintaining an untainted driving record is important if you want to keep your rates low. Even among safe drivers, accidents happen, so be prepared and learn how your rates can change after one. For individuals in Fullerton with at-fault accidents, car insurance is an average of $955 more per year. In general, a DUI or reckless driving offense in Fullerton will cost you 185% more in car insurance premiums versus the city average ($1,727).

  • DUI: $4,930
  • Reckless Driving: $4,930
  • At-fault Accident (damages less than $1000): $2,682
  • At-fault Accident (damages greater than $2000): $2,682
  • Speeding Ticket (16-20 mph over speed limit): $2,335

Fullerton Car Insurance by Gender and Marital Status

In Fullerton, marital status as well as gender can have an effect on your car insurance premiums. You can save around 4% per year if you're married as opposed to single. Rates for those who are widowed are moderately cheaper than rates for those who are single. Males have premiums that are barely cheaper than those for females.

  • Female: $1,735
  • Male: $1,727
  • Single: $1,727
  • Married: $1,652
  • Divorced: $1,727
  • Widowed: $1,659

* Credit score, while used in other states, 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 every year.

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