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How much is car insurance in El Centro?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in El Centro is about $16 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in El Centro is rather affordable. It's around $41 less to insure your vehicle compared to the average rate for the United States as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down average rates for El Centro residents so that you can get a more accurate idea of what you might pay. 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!
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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 behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $27 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates creep back up a bit in El Centro.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in El Centro is around $6 per month. As you can see in the table above, female drivers in the area typically pay $36 on average, while female drivers typically pay $42 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay much less than those with infractions. In El Centro, a driving record with one accident will usually get you a rate around $47 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $48.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$41|
In El Centro, the cheapest vehicles to insure are usually SUVs, with drivers paying around $33 per month for auto insurance.
Car owners, on the other hand, by and large pay around $41 a month, while truck and van drivers can expect to pay about $44 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is close to 5 years old. 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)||$42|
On average, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. El Centro is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in El Centro. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in El Centro, CA
Recent trends in car insurance for El Centro drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for car insurance in El Centro declined from 2017-2018, before steadying out in 2019. They decreased again recently, hitting a low of $32 in 2022.
How does El Centro compare to neighboring areas?
Why are car insurance rates in El Centro different from other areas?
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Road Safety (frequency of local car accidents)
- Crime rates
- Amount of drivers in the community
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in El Centro?
Arming 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.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in El Centro.
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El Centro Insurance FAQs
What factors affect car insurance quotes in El Centro?
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 El Centro different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in El Centro?
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 El Centro?
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 El Centro 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.
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