Table of contents
How much is car insurance in Rosemead?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Rosemead is in line with pricing for the rest of California.
Conversely, car insurance rates in Rosemead are often favorable when viewed against the rest of the country. On average, it's about $22 less to insure your vehicle in Rosemead than it is in the rest of the United States.
While these are the average costs to insure your vehicle in Rosemead, 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 for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Rosemead residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $38 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. You may see your rates begin to increase again once you hit retirement age in Rosemead.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in average rates in Rosemead totals about $8 per month. Looking at the table above, you can see that female drivers pay around $53 on average, while male drivers typically pay $61 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Rosemead with a single accident will pay around $63 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $55 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$57|
In Rosemead, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $47 per month to insure their vehicle.
Cars and SUVs, however, usually cost about $59 for auto insurance.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Rosemead are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
In Rosemead, the difference in rates based on relationship status can be as much as $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 less than homeowners in Rosemead. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Rosemead, CA
Recent trends in car insurance for Rosemead drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Rosemead decreased from 2016-2017, before steadying out in 2018. They finished down in 2021, at $51 a month
How does Rosemead compare to neighboring areas?
Why are car insurance rates in Rosemead different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Amount of drivers
- Road Safety (frequency of local car accidents)
- Area regulations
- Area crime rates
- Off-street parking availability
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. 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 Rosemead?
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.
But hold on! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Rosemead.
Rosemead Insurance FAQs
What factors affect car insurance quotes in Rosemead?
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, address, credit score, and marital status.
Why is the cost of car insurance in Rosemead different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Rosemead?
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 Rosemead?
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?
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 Rosemead 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.