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How much is car insurance in El Centro?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in El Centro is about $15 cheaper than it is in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in El Centro are below the national average. Auto insurance coverage in El Centro is about $39 cheaper than it is for the rest of the United States.
Bear in mind that while these rates are the average costs for El Centro residents, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for El Centro to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates creep back up a bit in El Centro.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In El Centro, male drivers pay about $6 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $37 each month, while men pay $43 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. The rate for drivers in El Centro with a single accident on their record is about $50 a month. In addition, drivers with one ticket can expect to pay around $54 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$42|
In terms of affordable coverage, the cheapest vehicles to insure in El Centro are typically SUVs, at $33 per month.
Truck and van drivers will see rates of about $47, while the rates for car owners average out to about $42 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In El Centro, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$43|
More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In El Centro, the difference in rates based on relationship status can be as much as $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $2 less than those who own their own home in El Centro. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in El Centro, CA
Recent trends in car insurance for El Centro 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 deciding when and where to shop.
In El Centro, the rates for auto insurance had been increasing from 2016-2017, but leveled out in 2020. Rates have been decreasing since then and recently reached a low of $30 per month in 2021.
How does El Centro compare to neighboring areas?
Why are car insurance rates in El Centro different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Amount of off-street parking
- Amount of drivers
- Rate of car accidents
- Local laws
- Crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in El Centro?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in El Centro.
El Centro Insurance FAQs
What factors affect car insurance quotes in El Centro?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in El Centro 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in El Centro?
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 El Centro?
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. 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 El Centro 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?