South El Monte, CA Car Insurance

On average, South El Monte drivers pay around $58 a month for their car insurance. Learn more in our handy guide below.
How much can residents of South El Monte expect to pay for their car insurance? How do rates in South El Monte measure up compared to neighboring areas, including California as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in South El Monte?

Area Average Monthly Car Insurance Premium
South El Monte$58
CA$56
United States$80

Based on the chart above, you can see that the costs for coverage in South El Monte are in line with rates across the rest of California.

If you're thinking of moving to South El Monte from out of state, you may still be in luck. Auto insurance coverage in South El Monte is about $22 cheaper than it is for the rest of the U.S.

While these are the average car insurance rates for 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 to get car 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.

Don't sweat it however, we've broken down average rates for South El Monte residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$52
35-44$48
45-54$42
55-64$42
65+$48

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in South El Monte.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$59

On average, female drivers pay slightly less than male drivers for car insurance. In South El Monte, however, men actually pay a little bit less than female drivers to insure their car.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$57
Multiple AccidentsNot Enough Data
1 Ticket$59
Multiple Tickets$85

Rates can change drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In South El Monte, having a single accident on your record will usually get you rates around $57 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $59 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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$63
2-3 Years$53
4-5 Years$46
6-7 Years$50
8-10 Years$79
11-14 Years$57
15 Years or Older$51

In terms of affordable coverage, the cheapest vehicles to insure in South El Monte are by and large SUVs, at $42 per month.

Car owners can expect to pay an average of around $60 a month for their policy, while truck and van drivers are usually around $53 to insure each month.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In South El Monte, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$46
Divorced$36

Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The cost of auto insurance in South El Monte reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$54
Live with parents$55

Another factor that comes into play is your living situation. Renters can expect to pay around $3 a month less than those who own their own home in South El Monte. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance 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 car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

The rates for auto insurance in South El Monte increased from 2016-2017, before decreasing from 2018-2020. They finished up in 2021 at $48.

How does South El Monte compare to neighboring areas?

Why are car insurance rates in South El Monte different from other areas?

Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:

  • Regional crime rates
  • Road Safety (frequency of car accidents)
  • Number of drivers
  • Access to off-street parking
  • Area regulations

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in South El Monte?

Arming 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.

But hold on! Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in South El Monte in no time.

Compare the cheapest quotes from dozens of insurance companies

South El Monte Insurance FAQs

What factors affect car insurance quotes in South El Monte?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in South El Monte different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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 time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to South El Monte 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.

Find your best rate in just a few minutes