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How much is car insurance in Montebello?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Montebello are about $6 a month more expensive than the rest of California.
When stacked up against the national average, the average monthly policy payment for Montebello is more affordable. Car insurance rates for the United States as a whole are, on average, $18 more expensive than the rates you'd pay in Montebello.
While these are the average costs to insure your vehicle in Montebello, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Montebello so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $43 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Montebello.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Montebello, however, men actually pay slightly less than female drivers to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Montebello with one accident will pay around $67 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$63|
If you look at the first table above, the cheapest vehicles to insure in Montebello are usually trucks and vans, at $47 per month.
Car owners will see a monthly premium of about $64, while SUV owners by and large pay around $56 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Montebello, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Montebello.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $2 less than homeowners in Montebello. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Montebello, CA
Recent trends in car insurance for Montebello drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Car insurance rates in Montebello declined from 2016-2018, when they hit a low of $57. This pattern changed in 2019, when they began to rise, and have continued moving in that direction through 2021, when rates reached a high of $72 a month.
How does Montebello compare to neighboring areas?
Why are car insurance rates in Montebello different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Local crime rates
- Total drivers
- Amount of off-street parking
- Area laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Montebello?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Montebello in no time.
Montebello Insurance FAQs
What factors affect car insurance quotes in Montebello?
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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Montebello different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Montebello?
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 Montebello?
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?
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 Montebello 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.