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How much is car insurance in Cerritos?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $6 a month more expensive to insure your vehicle in Cerritos than it is in the rest of California.
On the other hand, when compared to the national average, the cost for auto insurance in Cerritos is lower. You can expect to pay about $19 below the national average for auto insurance in Cerritos.
Bear in mind that while these rates are the average costs for drivers in Cerritos, 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 insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Cerritos so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $29 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates rise again once you hit retirement in Cerritos.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Cerritos, however, male and female drivers both pay about the same rate for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Cerritos with one accident will pay around $74 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $89 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$63|
|15 Years or Older||$62|
In terms of affordable coverage, the cheapest vehicles to insure in Cerritos are by and large trucks and vans, at $56 per month.
SUV drivers will see rates of about $65 for car insurance, while car owners usually pay around $62 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Cerritos, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally speaking, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Cerritos is no exception, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $8 a month less than homeowners in Cerritos. But those who live at home with their parents can expect to pay significantly 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 average premiums.
Car Insurance Companies in Cerritos, CA
Recent trends in car insurance for Cerritos drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
Car insurance rates in Cerritos decreased from 2017-2020, when they reached a low of $51. Rates began to increase in 2021, and this trend has continued through 2022, when rates have most recently hit $67.
How does Cerritos compare to neighboring areas?
Why are car insurance rates in Cerritos different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Road Safety (total number of local car accidents)
- Rate of crime
- Total amount of drivers in the area
- Community regulations
- Off-street parking availability
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Cerritos?
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. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Cerritos.
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Cerritos Insurance FAQs
What factors affect car insurance quotes in Cerritos?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Cerritos different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Cerritos?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Cerritos or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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