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How much is car insurance in South El Monte?
|Area||Average Monthly Car Insurance Premium|
|South El Monte||$57|
Looking at the chart above, you can see that the average monthly price is about the same in South El Monte as it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for South El Monte is more affordable. Auto insurance coverage in South El Monte is about $24 cheaper than it is for the rest of the United States.
While these are the average costs to insure your vehicle in South El Monte, 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. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for South El Monte to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $43 more than drivers of 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 climb back up once you hit retirement age in South El Monte.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In South El Monte, however, men actually pay a little bit less than female drivers to insure their vehicle.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in South El Monte with a single accident will pay around $57 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $62 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$52|
In South El Monte, the cheapest vehicles to insure are usually SUVs, with drivers paying around $43 per month for auto insurance.
Car owners can expect to pay an average of around $59 a month for their policy, while truck and van drivers are usually around $52 to insure each month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In South El Monte, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. South El Monte is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $3 less than drivers who own property in South El Monte. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in South El Monte, CA
Recent trends in car insurance for South El Monte 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.
The cost of auto insurance in South El Monte declined from 2017-2020, before steadying out in 2021. Policy premiums finished down in 2022, at $48 per month
How does South El Monte compare to neighboring areas?
Why are car insurance rates in South El Monte different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Regional regulations
- Off-street parking availability
- Prevalence of crime
- General road safety (how many accidents each locality has)
- Number of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in South El Monte?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in South El Monte.
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South El Monte Insurance FAQs
What factors affect car insurance quotes in South El Monte?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in South El Monte different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in South El Monte?
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 South El Monte?
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 South El Monte 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.
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