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How much is car insurance in Manhattan Beach?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Manhattan Beach is about $6 cheaper than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Manhattan Beach. On average, it's about $30 less to insure your vehicle in Manhattan Beach than it is in the rest of the United States.
Bear in mind that while these are the average car insurance rates for 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Manhattan Beach and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay about $13 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Manhattan Beach.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Manhattan Beach, although men do pay a little bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Manhattan Beach, a driving record with a single accident will usually get you a rate around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $59.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$45|
The cheapest vehicles to insure in Manhattan Beach are by and large SUVs, with each type typically costing about $44 per month.
Car owners will see rates of about $51, while truck and van owners usually pay around $53 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Manhattan Beach are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Manhattan Beach reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$44|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 less than drivers who own property in Manhattan Beach. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Manhattan Beach, CA
Recent trends in car insurance for Manhattan Beach drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Manhattan Beach, car insurance rates have been mixed over the past few years. They fell in 2016, rose in 2018, and dropped again in 2020, before finishing at $38 in 2021.
How does Manhattan Beach compare to neighboring areas?
Why are car insurance rates in Manhattan Beach different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Rate of car accidents
- Amount of off-street parking
- Regional regulations
- Total amount of drivers in the area
- Regional crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Manhattan Beach?
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.
Luckily, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing plans in Manhattan Beach.
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 gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Manhattan Beach 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 Manhattan Beach?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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. 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 Manhattan Beach 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?