Table of contents
How much is car insurance in El Monte?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in El Monte are about $4 a month more expensive than the rest of California.
Conversely, the expected monthly payments for an auto insurance policy in El Monte are below the national average. It's around $20 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers are the average rates for auto insurance in El Monte, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for El Monte and broken down the different factors to help you understand what your monthly bill might look like. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to increase again in El Monte.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in El Monte is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In El Monte, drivers with one accident on their record will experience rates around $72 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $96 on average.
When it comes to your monthly bill, 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||$62|
|15 Years or Older||$59|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in El Monte, with drivers paying around $46 per month for insurance coverage.
Truck and van drivers will see rates of about $50, while the rates for car owners average out to about $62 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In El Monte, the most expensive vehicles to insure are vehicles two-to-three years old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
On average, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in El Monte can be as much as $16 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than those who own their own home in El Monte. Those who live with their parents, however, 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 El Monte, CA
Recent trends in car insurance for El Monte drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In El Monte, the rates for auto insurance rose from 2016-2017, before steadying out in 2018. Car insurance rates finished up in 2021, at $63 per month
How does El Monte compare to neighboring areas?
Why are car insurance rates in El Monte different from other areas?
Car insurance companies will take into account a variety of factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
- Community regulations
- Total drivers
- Regional crime rates
An awareness of these factors is important 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 El Monte?
Equipping 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.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in El Monte.
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 you can't control 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?
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 crime rates, parking situations, and local laws 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 Monte?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to El Monte?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 El Monte 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?