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How much is car insurance in El Monte?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in El Monte will typically run you about $7 a month more than in the rest of California.
Compared to the rest of the country, auto insurance in El Monte is more affordable. The average monthly payment in El Monte is about $18 less than the rate for the rest of the United States.
Keep in mind that these are the average auto insurance rates for El Monte, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for El Monte residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $40 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates creep back up a bit in El Monte.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In El Monte, although men do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In El Monte, having a single accident on your record will usually get you rates around $73 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $73 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$57|
As you can see in the first table above, the cheapest vehicles to insure in El Monte are typically trucks and vans, which run about $46 per month.
Car owners, on the other hand, by and large pay around $67 per month, while SUV drivers can expect to pay about $47 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In El Monte, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for El Monte as well, where the difference is around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $6 less than drivers who own property in El Monte. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in El Monte, CA
Recent trends in car insurance for El Monte drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In El Monte, auto insurance rates had been decreasing from 2017-2018, before steadying out in 2019. Rates finished down in 2022, at $52 per month
How does El Monte compare to neighboring areas?
Why are car insurance rates in El Monte different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Road safety
- Total number of drivers in the area
- Regional crime rates
- Local laws
- Amount of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 El Monte?
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.
Fortunately, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in El Monte in no time.
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El Monte Insurance FAQs
What factors affect car insurance quotes in El Monte?
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 year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in El Monte 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 El Monte?
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 Monte?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to El Monte or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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