Car Insurance in the City of Paradise

The average Paradise car insurance rates are $94/mo. Paradise car insurance laws follow California's minimum liability requirements, which are 15/30/5 for bodily injury and property damage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Dec 16, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • Many factors go into your car insurance premiums
  • People in Paradise, California must abide by the state’s car insurance requirements
  • The average Paradise car insurance rates are $94/mo
  • Finding discounts is a great way to save money on auto insurance

Car insurance companies in Paradise, California use a large variety of factors to determine car insurance premiums.

Most people know that things like a good driving record, car safety features, and driving on roads without congestion lead to lower premiums.

There are other details that go into the calculating of insurance premiums. For example, one’s occupation also has an impact on the cost of insurance.

While changing jobs to save money on coverage for car insurance may not be entirely feasible, it is a good idea to compare the rates offered by the different insurance companies and agencies to get the best possible rates.

Find low car insurance with our rate comparison search above. Simply enter your ZIP code now!

Paradise Car Insurance Requirements

Below you will find car insurance requirements and information for Paradise, CA.

Monthly Paradise, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Paradise, CA auto insurance rates by ZIP Code below:

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Paradise, CA Car Insurance Rates by Company vs. City Average

The cheapest Paradise, CA car insurance providers can be found below. You also might be wondering, “How do those Paradise, CA rates compare against the average California car insurance company rates?” We uncover that too.

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Paradise, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Paradise, CA against other top US metro areas’ auto insurance costs.

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The Cheapest Paradise, CA Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Paradise, CA car insurance costs. Find the cheapest Paradise, CA car insurance costs by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Paradise, CA

Age is a significant factor for Paradise, CA car insurance rates. Young drivers are often considered high-risk. This Paradise, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Paradise, CA.

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Paradise, CA Car Insurance Rates by Company and Age

Paradise, CA car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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The Cheapest Paradise, CA Car Insurance Rates by Driving Record

Your driving record will affect your Paradise, CA car insurance costs. For example, a Paradise, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Paradise, CA car insurance costs by driving record.

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Factors Affecting Car Insurance Rates in Paradise, CA

Controlling these risk factors will ensure you have the cheapest Paradise, California car insurance. Factors affecting car insurance rates in Paradise, CA may include your commute, coverage level, tickets, DUIs, and credit.

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City Information for Paradise

Paradise is located in Butte County and is deemed to be a part of the Chico Metropolitan Area which is located approximately 100 miles northeast of Sacramento.

The population of Paradise, according to the 2010 census, consists of 26,217 people.

The town covers a total area of a little over 18 square miles that is spread out on a wide ridge rising between deep canyons.

Paradise Car Insurance Requirements

A binder labeled "requirements".

California requires that each driver has proof of financial responsibility. If one is involved in an auto accident and found to be at fault, they are responsible for paying for the damages incurred as a result of the accident.

Most people have insurance to cover this requirement, but if they do not abide by this law, one of several things can happen.

  • If upon being asked for evidence of financial responsibility by an officer, one cannot produce it, they could get a ticket for $1,000 or more
  • The uninsured vehicle can be impounded in addition to incurring a fine
  • The vehicle registration can be suspended if an insurance policy is not activated within 45 days of cancellation, the insurance provider fails to electronically provide insurance details to the DMV within 30 days after a vehicle registration has been issued, and if false information is used to obtain proof of insurance.

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Paradise Car Insurance Laws

Paradise insurance laws require that a minimum amount of liability proof be carried by owners of vehicles.

The minimum liability amounts are divided as follows:

  • Medical expenses up to $15,000 for injury to one person in each accident
  • Medical expenses up to $30,000 in total have to be paid by the person found to be at fault for the accident
  • For causing damage to third party property, a maximum of $5,000 is payable in each accident

There are four essential ways of showing financial responsibility.

  • The most common way is to buy a liability insurance policy from an authorized dealer.
  • One can also deposit a cash amount of $35,000 with the Department of Motor Vehicles
  • Or one can get a self-insurance certificate from the DMV; however, this is limited to individuals who own more than 25 cars, like car dealers
  • One can also acquire a surety bond for $35,000 from an insurance company licensed to carry out business in California

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Average Paradise Car Insurance Rates

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Auto insurance rates take up a big portion of the average household income in Paradise. So it is important to make sure one is able to get all the discounts they are entitled to.

Not all the insurance companies offer all the discounts.

It pays to find out which companies in Paradise offer which discounts and then select a company where one can take advantage of most quotes.

Some of the discounts some companies apply include:

  • Low mileage discounts
  • Senior citizen car discounts
  • Maintaining a clean driving record and not getting any tickets or other violations in the previous three years
  • Buying a car that has a high government safety rating
  • Having a car that has safety features like automated seatbelts, airbags, and a tracking system
  • Paying premiums in full, getting a longer term policy or bundling policies

Online comparisons can help one to find the cheapest quotes and discounts can further reduce the cost of insurance.

To be able to get the lowest possible quote, it pays to make sure that every possible discount is taken advantage of.

Compare Paradise Car Insurance Quotes

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Since numerous factors are taken into consideration by automobile insurance companies when determining rates, different companies end up giving different quotes to customers for the same policy.

One of the factors that determine the rate is their experience in the area where the person seeking insurance lives.

If the person lives in an area where one company did not get many claims, its insurance quote will be lower than another company giving a quote for the same policy that had to pay out many claims in the same area.

Insurance prices fluctuate as do the circumstances of drivers. It is a good idea to compare rates at least twice a year to make sure that one is not paying too much.

Compare car insurance rates no matter which city you live in with our FREE comparison tool below! Enter your ZIP code now!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State
Monthly Paradise, CA Car Insurance Rates by ZIP Code
 Paradise, CA Car Insurance Rates by Company vs. City Average
Paradise, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
The Cheapest Paradise, CA Car Insurance Rates by Coverage Level
Average Monthly Car Insurance Rates by Age & Gender in Paradise, CA
Paradise, CA Car Insurance Rates by Company and Age
The Cheapest Paradise, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Paradise, CA
Monthly Paradise, CA Car Insurance Rates by ZIP Code
 Paradise, CA Car Insurance Rates by Company vs. City Average
Paradise, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
The Cheapest Paradise, CA Car Insurance Rates by Coverage Level
Average Monthly Car Insurance Rates by Age & Gender in Paradise, CA
Paradise, CA Car Insurance Rates by Company and Age
The Cheapest Paradise, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Paradise, CA