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How much is car insurance in Montebello?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Montebello are about $5 a month more expensive than the rest of California.
That being said, the expected monthly payments for an auto insurance policy in Montebello 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.
Keep in mind that these are the average auto insurance rates for Montebello, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down the average rates for Montebello residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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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. That experience can lead to some serious savings when it comes to auto 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.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates begin to go back up in Montebello.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Montebello, however, men actually pay a little bit less than female drivers for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. In Montebello, a driving record with a single accident will usually get you a rate around $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $81 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$61|
According to the first table above, the cheapest vehicles to insure in Montebello are typically trucks and vans, at $50 per month.
SUV drivers will see rates of about $51 for auto insurance, while car owners usually pay around $63 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Montebello, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
More often than not, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly 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 in Montebello are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $1 less than homeowners in Montebello. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Montebello, CA
Recent trends in car insurance for Montebello 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 shopping for coverage.
Car insurance rates in Montebello have been mixed as of late, they decreased in 2017, rose in 2019, and declined again in 2021, before finishing at $55 in 2022.
How does Montebello compare to neighboring areas?
Why are car insurance rates in Montebello different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of off-street parking
- Community regulations
- General road safety (how many accidents each locality has)
- Total amount of drivers in the area
- Area crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Montebello?
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. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Montebello.
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Montebello Insurance FAQs
What factors affect car insurance quotes in Montebello?
The factors that car insurance companies take into account when calculating your monthly cost 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 Montebello different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Montebello?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Montebello?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Montebello or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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