Wildomar, CA Car Insurance

How do rates in Wildomar measure up compared to neighboring areas, including California as a whole? What can Wildomar residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Wildomar?

Looking at the chart above, you can see that the average monthly price is about the same in Wildomar as it is in the rest of California.

Compared to the rest of the country, auto insurance in Wildomar is more affordable. You can expect to pay about $23 below the national average for auto insurance in Wildomar.

While these are the average monthly costs for auto insurance coverage in Wildomar, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

But don't worry, we've broken down average rates for Wildomar residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Wildomar.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. In Wildomar, this difference shakes out to about $8 a month. Based on the chart above, you can see that male drivers pay $61 on average, while female drivers typically pay $53 each month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Wildomar with a single accident on their record will usually see rates around $73 a month. In addition, drivers with one ticket can expect to pay around $70 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Wildomar, with drivers paying around $50 per month to insure their vehicle.

The cost of insurance for car and SUV owners in Wildomar usually comes out to about $60 per month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Wildomar, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Wildomar are about the same.

Average Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Wildomar can expect to pay around $9 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Wildomar, CA

Recent trends in car insurance for Wildomar drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Wildomar, auto insurance rates had been increasing from 2017-2018, when they reached a high of $79, but began to decrease from 2019-2020. They finished down in 2022, at $53.

How does Wildomar compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

• Crime
• Regional regulations
• Road Safety (frequency of car accidents)
• Availability of off-street parking
• Number of drivers in the community

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Wildomar?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Wildomar.

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Wildomar Insurance FAQs

What factors affect car insurance quotes in Wildomar?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Wildomar or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?