Table of contents
How much is car insurance in San Gabriel?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in San Gabriel are in line with rates across the rest of California.
That being said, car insurance rates in San Gabriel are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $22 more expensive than the rates you'd pay in San Gabriel.
Keep in mind that while these are the average car insurance rates for San Gabriel, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for San Gabriel 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 Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement age in San Gabriel.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While this isn't true in San Gabriel, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in San Gabriel with one accident will pay around $67 a month. Likewise, drivers with one ticket will be looking at a rate of around $69 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$54|
The most affordable vehicles to insure in San Gabriel are by and large SUVs, which run about $56 per month.
Car owners will see rates of about $57, while truck and van owners typically pay around $65 per month.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In San Gabriel, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
As you can see in the table above, married couples pay about the same rate as single drivers in San Gabriel.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 less than drivers who own property in San Gabriel. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in San Gabriel, CA
Recent trends in car insurance for San Gabriel drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of auto insurance in San Gabriel rose from 2016-2017, where it hit a high of $88, before steadying out in 2018. Policy premiums went up again in 2019, and finished down at $52 in 2021.
How does San Gabriel compare to neighboring areas?
Why are car insurance rates in San Gabriel different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Rate of crime
- Availability of off-street parking
- Community laws
- Road Safety (frequency of local car accidents)
- Amount 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. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in San Gabriel?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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 can handle all of this for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering policies in San Gabriel.
San Gabriel Insurance FAQs
What factors affect car insurance quotes in San Gabriel?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in San Gabriel 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 San Gabriel?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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 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 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.