Chico, CA Car Insurance

What rates should residents of Chico expect to pay for their car insurance? How does Chico stack up to the rest of the area, or even California as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Chico?

Based on the chart above, you can see that coverage in Chico typically costs about $10 a month less than it does in the rest of California.

If you're thinking of moving to Chico from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $35 more expensive than the rates you'd pay in Chico.

Bear in mind that while these are the average car insurance rates for Chico, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Chico so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay about $19 more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement in Chico.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. In Chico, although men do pay slightly less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Chico with a single accident on their record will usually see rates around $61 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $61.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Chico are typically trucks and vans, which run about $42 per month.

SUV drivers will see rates of about $49, while the rates for car owners average out to about $47 a month.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Chico, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Chico is no exception, with the difference totaling to around $8 a month.

Average Car Insurance Rates by Housing Situation

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than those who own their own home in Chico. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Chico, CA

Recent trends in car insurance for Chico drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

The rates for auto insurance in Chico declined from 2017-2018, before leveling out in 2019. Car insurance rates decreased again, reaching a low of $38 in 2021, and finished up at $49 in 2022.

How does Chico compare to neighboring areas?

Why are car insurance rates in Chico different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:

• Road Safety (frequency of car accidents)
• Area laws
• Local crime rates
• Access to off-street parking
• Total number of drivers in the area

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Chico?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Chico.

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Chico Insurance FAQs

What factors affect car insurance quotes in Chico?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Chico different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Chico?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Chico?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Chico or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.