Rosemead, CA Car Insurance

How do rates in Rosemead measure up compared to neighboring areas, including California as a whole? What rates should residents of Rosemead 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 Rosemead?

Based on the chart above, you can see that car insurance rates in Rosemead are in line with rates across the rest of California.

Drivers relocating from out of state may enjoy some cost savings in Rosemead. It's about $24 cheaper than the national average to insure your vehicle in Rosemead.

While these are the average costs to insure your vehicle in Rosemead, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Rosemead to help you understand what exactly you might be asked to pay. 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

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in Rosemead.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. In Rosemead, the difference is around $8 a month. Looking at the table above, you can see that female drivers pay around $52 on average, while male drivers typically pay $60 each month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Rosemead with a single accident will pay around $62 a month. Likewise, drivers with one ticket will be looking at a rate of around $61 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Rosemead are typically trucks and vans, which run about $47 per month.

Meanwhile, Rosemead drivers who own a car or SUV can expect to pay about $58 to insure their vehicle.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Rosemead, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married 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.

The cost of auto insurance in Rosemead reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $6 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living situation. Renters can expect to pay around $4 a month less than homeowners in Rosemead. But if you live with your parents, your rates will be significantly higher.

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 picking an insurance policy.

Auto insurance rates in Rosemead increased from 2017-2018, before leveling out in 2019. They finished up in 2022, at $60 per 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 an insurance policy, car insurance companies will evaluate a number of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

• Road Safety (total number of local car accidents)
• Total number of drivers
• Availability of off-street parking
• Area laws
• Crime levels

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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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 to request a quote from a car insurance company.

Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Rosemead.

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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 age and gender, as well as your credit score, address, marital status and driving record.

Why is the cost of car insurance in Rosemead 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 Rosemead?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Rosemead?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

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 Rosemead 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.