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How much is car insurance in Manhattan Beach?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $7 a month cheaper to insure your vehicle in Manhattan Beach than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for Manhattan Beach is more affordable. On average, it's about $32 less to insure your vehicle in Manhattan Beach than it is in the rest of the U.S.
Although these are the average car insurance rates in Manhattan Beach, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Manhattan Beach residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $14 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Manhattan Beach may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Manhattan Beach, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Manhattan Beach, a driving record with one accident will usually get you a rate around $60 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $67.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$47|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Manhattan Beach, with drivers paying around $42 per month for auto insurance.
SUV owners, on the other hand, usually pay around $42 a month, while truck and van drivers can expect to pay about $63 per month for car insurance coverage.
Your rates can also vary depending on the age of your vehicle. 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 a few years old. In Manhattan Beach, 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)||$50|
On average, those who are currently married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Manhattan Beach.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$43|
Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners in Manhattan Beach can expect to pay around $1 a month less than those who rent. But if you live with your parents, you 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 Manhattan Beach, CA
Recent trends in car insurance for Manhattan Beach drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Auto insurance rates in Manhattan Beach had been increasing from 2017-2019, but leveled out in 2020. They decreased until 2021, when they reached a low of $37, and finished up in 2022, at $77 a month.
How does Manhattan Beach compare to neighboring areas?
Why are car insurance rates in Manhattan Beach different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Regional crime rates
- Road Safety (frequency of local car accidents)
- Community regulations
- Number of drivers in the region
- Amount of off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Manhattan Beach?
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 can handle all of this for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer plans in Manhattan Beach.
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Manhattan Beach Insurance FAQs
What factors affect car insurance quotes in Manhattan Beach?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Manhattan Beach different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Manhattan Beach?
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 Manhattan Beach?
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, 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 Manhattan Beach 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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