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How much is car insurance in San Gabriel?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in San Gabriel are on par with what you would pay anywhere else in California.
That being said, when compared to the national average, the cost for auto insurance in San Gabriel is lower. You can expect to pay about $22 less for your policy in San Gabriel than in the rest of U.S.
While these are the average car insurance rates for San Gabriel, 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. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down average rates for San Gabriel residents 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 below to learn more about rates in your area!
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San Gabriel Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates creep back up in San Gabriel.
San Gabriel Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In San Gabriel, although men do pay a little bit less on their monthly premiums, the price is about the same for either group.
San Gabriel Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In San Gabriel, drivers with one accident on their record will experience rates around $67 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $57 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
San Gabriel Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$53|
The cheapest vehicles to insure in San Gabriel are by and large SUVs, with each type typically costing about $56 per month.
Truck and van drivers will see rates of about $61 for auto insurance, while SUV owners usually pay around $56 a month.
The age of your vehicle has an impact on the cost of your policy as well. 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 monthly premium decrease. The most expensive vehicles to insure in San Gabriel are vehicles six-to-seven years old.
San Gabriel Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Despite the national trend of married drivers saving more than single drivers, the rates for both in San Gabriel are about the same.
San Gabriel Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $6 a month less than drivers who own property in San Gabriel. 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 San Gabriel, CA
Recent trends in car insurance for San Gabriel drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In San Gabriel, auto insurance rates have been mixed over the past few years. They fell in 2017, increased in 2019, and decreased again in 2021, before finishing at $51 in 2022.
How does San Gabriel compare to neighboring areas?
Why are car insurance rates in San Gabriel different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of drivers in the community
- Area crime rates
- Regional regulations
- Road Safety (frequency of car accidents)
- Availability of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 San Gabriel?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in San Gabriel in no time.
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San Gabriel Auto Insurance FAQs
What factors affect car insurance quotes in San Gabriel?
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, credit score, address, and marital status.
Why is the cost of car insurance in San Gabriel 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 San Gabriel?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 San Gabriel?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to San Gabriel or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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