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How much is car insurance in Pico Rivera?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Pico Rivera are in line with rates across the rest of California.
Similarly, the expected monthly payments for an auto insurance policy in Pico Rivera are below the national average. You can expect to pay about $26 below the national average for auto insurance in Pico Rivera.
Although these are the average rates for auto insurance in Pico Rivera, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
But worry not, we've done the heavy lifting and broken down the average rate for Pico Rivera to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $37 more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Pico Rivera.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Pico Rivera, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Pico Rivera with a single accident on their record will usually see rates around $80 a month. In addition, drivers with a single ticket on their record can expect to pay around $105 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$53|
The cheapest vehicles to insure in Pico Rivera are by and large trucks and vans, with each type typically costing about $45 per month.
Car owners can expect to pay an average of around $55 a month for their policy, while SUVs usually cost around $54 a month to insure.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Pico Rivera are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
At a national level, single drivers usually pay more than married couples do for auto insurance. Pico Rivera follows that pattern, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$61|
Another factor that comes into play is your housing situation. Renters can expect to pay around $3 a month less than drivers who own property in Pico Rivera. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Pico Rivera, CA
Recent trends in car insurance for Pico Rivera 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.
In Pico Rivera, the rates for car insurance increased from 2016-2018, when they reached a high of $84. This changed in 2019, when they began to decrease again. They finished down in 2021, at $46 a month
How does Pico Rivera compare to neighboring areas?
Why are car insurance rates in Pico Rivera different from other areas?
Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Road safety
- Area laws
- Prevalence of crime
- Off-street parking availability
- Number of drivers in the region
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Pico Rivera?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com can handle all of this for you. Put in your ZIP Code 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 that offer auto coverage in Pico Rivera.
Pico Rivera Insurance FAQs
What factors affect car insurance quotes in Pico Rivera?
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, address, credit score, and marital status.
Why is the cost of car insurance in Pico Rivera different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Pico Rivera?
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 Pico Rivera?
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 Pico Rivera 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?