Monrovia, CA Car Insurance

Are rates in Monrovia higher or lower than those in neighboring areas? How do they compare to the rest of California? How much can residents of Monrovia expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Monrovia?

As you can tell by looking at the chart above, car insurance rates in Monrovia are about the same as the rest of California.

Similarly, car insurance rates in Monrovia are more affordable than the national average. It's around $28 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Keep in mind that these are the average auto insurance rates for Monrovia, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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.

Don't sweat it however, we've broken down average rates for Monrovia residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Monrovia.

Average Car Insurance Rates by Gender

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Monrovia, the difference comes out to about $6 a month. As you can see in the chart above, car insurance for women in the area typically costs around $50 each month, while men pay $56 on average.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Monrovia, a driving record with one accident will usually get you a rate around $60 a month. Similarly, drivers with one ticket will typically pay around $66 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Monrovia are usually cars, at $51 per month.

SUV owners will see rates of about $56, while truck and van owners by and large pay around $62 per month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Monrovia, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Monrovia as well, where the difference is around $7 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. Renters can expect to pay around $2 a month less than homeowners in Monrovia. Those who live with their parents, however, 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 Monrovia, CA

Recent trends in car insurance for Monrovia 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.

The rates for auto insurance in Monrovia dropped from 2017-2020, before leveling out in 2021. They finished down in 2022, at $53 a month

How does Monrovia compare to neighboring areas?

Why are car insurance rates in Monrovia 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 live and drive will have an impact on your personal policy. This might include things like:

• Regional regulations
• Road safety
• Regional crime rates
• Off-street parking access
• Amount of drivers in the community

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Monrovia?

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.

Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Monrovia.

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Monrovia Insurance FAQs

What factors affect car insurance quotes in Monrovia?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Monrovia 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 Monrovia?

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 Monrovia?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Monrovia or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.