Table of contents
How much is car insurance in Brea?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Brea | $57 |
| CA | $56 |
| United States | $80 |
Looking at the chart above, you can see that the average monthly price is about the same in Brea as it is in the rest of California.
If you're thinking of moving to Brea from out of state, you may still be in luck. The average monthly payment in Brea is about $23 cheaper than the rate for the rest of the United States.
Bear in mind that while these rates are the average costs for Brea residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't sweat it however, we've broken down average rates for Brea residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $78 |
| 25-34 | $53 |
| 35-44 | $50 |
| 45-54 | Not Enough Data |
| 55-64 | $43 |
| 65+ | $54 |
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $24 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to increase again in Brea.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $56 |
| Female | $60 |
While women typically pay less than men do for auto insurance, Brea bucks this trend. Female drivers typically pay around $4 more per month for car insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $83 |
| Multiple Accidents | $66 |
| 1 Ticket | $103 |
| Multiple Tickets | $77 |
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Brea with a single accident on their record is about $83 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $103.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $51 |
| 2-3 Years | $57 |
| 4-5 Years | $53 |
| 6-7 Years | $55 |
| 8-10 Years | $60 |
| 11-14 Years | $61 |
| 15 Years or Older | $56 |
The most affordable vehicles to insure in Brea are by and large cars, which run about $57 per month.
Truck and van drivers will see rates of about $62, while the rates for SUV owners average out to about $59 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Brea, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $58 |
| Married | $54 |
| Divorced | $58 |
| Widowed | $64 |
Generally, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Brea reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $53 |
| Rent | $55 |
| Live with parents | $82 |
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Brea. Those who live with their parents, however, 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 Brea, CA
Recent trends in car insurance for Brea drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Brea, the rates for auto insurance went up from 2016-2017, when they hit a high of $67. This pattern shifted in 2020, when they began to decrease, and have continued to do so through 2021, when policy premiums reached a low of $50 per month.
How does Brea compare to neighboring areas?
Why are car insurance rates in Brea different from other areas?
Car insurance companies look at several factors when they're figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Local regulations
- Availability of off-street parking
- Road Safety (total number of local car accidents)
- Number of drivers in the community
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Brea?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Brea.
Brea Insurance FAQs
What factors affect car insurance quotes in Brea?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Brea 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 Brea?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brea?
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, 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 Brea 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.