Temecula Car Insurance

The Zebra
May 30, 2018

Car Insurance in Temecula

Temecula has premiums that are relatively similar to the state average, as they are within $67 of one another. Why don't we go over some tips on how to save on car insurance in Temecula?

  • City Average: $1,646
  • State Average: $1,713
  • National Average: $1,427

Temecula Car Insurance by Age

Teenage drivers have the largest premiums of any age group. They have typical car insurance payments of $6,103. Drivers in their 60s save money on insurance, as they have the smallest rates among all age groups, paying only $1,413 each year. People in their 50s ($1,451) aren’t paying much more. When drivers hit their 20s in Temecula, therefore moving out of the teenage age bracket, they pay $3,702 less in premiums. You will not see a bigger gap between any other age group. In Temecula, turning 70 means an increase in insurance rates. Up until then, moving between age groups means decreasing prices.

  • Teenagers: $6,103
  • 20s: $2,401
  • 30s: $1,617
  • 40s: $1,564
  • 50s: $1,451
  • 60s: $1,413
  • 70s: $1,574

Temecula Car Insurance by Accident or Violation History

Having an unblemished driving record is crutial if you want to keep the price of premiums low. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,038 is the extra cost per year for drivers with a DUI or reckless driving violation in Temecula, compared to the city average of $1,646. Being at-fault in an accident costs drivers an additional 56% per year in premiums compared to the city average.

  • DUI: $4,684
  • Reckless Driving: $4,684
  • At-fault Accident (damages less than $1000): $2,561
  • At-fault Accident (damages greater than $2000): $2,561
  • Speeding Ticket (16-20 mph over speed limit): $2,225

Temecula Car Insurance by Gender and Marital Status

Both marital status and gender affect your car insurance premiums in Temecula. However, males have premiums that are only a bit cheaper than those for females. You can save $71 per year if you're married as opposed to single or divorced. Rates for those who are widowed are relatively cheaper than rates for those who are single.

  • Female: $1,649
  • Male: $1,646
  • Single: $1,646
  • Married: $1,575
  • Divorced: $1,646
  • Widowed: $1,581

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

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