Table of contents
How much is car insurance in Cerritos?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of California are about $7 a month cheaper than the rates drivers pay in Cerritos.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Cerritos is rather affordable. It's around $17 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Although these are the average monthly costs for an auto insurance policy in Cerritos, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've analyzed the average rate for Cerritos and broken down the different factors to help you understand what your policy's monthly premium will be. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Cerritos.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Cerritos is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Cerritos with a single accident on their record will usually see rates around $74 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $108 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$62|
According to the first table above, the cheapest vehicles to insure in Cerritos are typically trucks and vans, at $57 per month.
Car owners can expect to pay an average of around $62 a month for their policy, while SUVs usually cost around $73 a month to insure.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Cerritos, vehicles two-to-three years old and six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
The difference in rates based on relationship status in Cerritos is about $6 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $8 a month less than those who own their own home in Cerritos. 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 Cerritos, CA
Recent trends in car insurance for Cerritos drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Cerritos, car insurance rates went up from 2016-2017, when they reached a high of $77. This shifted in 2018, when insurance rates began to decrease. They hit a low of $51 in 2020, and finished at $67 in 2021.
How does Cerritos compare to neighboring areas?
Why are car insurance rates in Cerritos different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Off-street parking availability
- Area laws
- Road Safety (how many accidents each locality has)
- Regional crime rates
- Number of drivers in the community
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 Cerritos?
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.
Luckily, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Cerritos.
Cerritos Insurance FAQs
What factors affect car insurance quotes in Cerritos?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Cerritos different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Cerritos?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Cerritos?
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 Cerritos 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.