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How much is car insurance in Bell Gardens?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Bell Gardens are on par with what you would pay anywhere else in California.
If you're thinking of moving to Bell Gardens from out of state, you may still be in luck. It's about $23 cheaper to insure your vehicle in Bell Gardens compared to the average rate for the United States as a whole.
These rates may be the average amount drivers in Bell Gardens pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Bell Gardens and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Bell Gardens.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Bell Gardens, although men do pay slightly less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Bell Gardens, a driving record with a single accident will usually get you a rate around $61 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $86.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$56|
If you look at the first table above, the cheapest vehicles to insure in Bell Gardens are usually SUVs, at $54 per month.
Car owners will see rates of about $57, while truck and van owners typically pay around $60 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Bell Gardens, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Bell Gardens can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Bell Gardens, expect to pay around $6 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Bell Gardens, CA
Recent trends in car insurance for Bell Gardens drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Auto insurance rates in Bell Gardens increased from from 2016-2017, when they hit a high of $65. This leveled out in 2018, when insurance rates started to decrease. They reached a low of $52 in 2020, and finished up in 2021, at $64.
How does Bell Gardens compare to neighboring areas?
Why are car insurance rates in Bell Gardens different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Prevalence of crime
- Access to off-street parking
- Area regulations
- Rate of car accidents
- Total drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Bell Gardens?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Bell Gardens.
Bell Gardens Insurance FAQs
What factors affect car insurance quotes in Bell Gardens?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Bell Gardens different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Bell Gardens?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bell Gardens?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Bell Gardens 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.