Table of contents
How much is car insurance in South Gate?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in South Gate will typically run you about $9 a month more than in the rest of California.
On the flip side, the expected monthly payments for an auto insurance policy in South Gate are below the national average. You can expect to pay about $15 less for your policy in South Gate than in the rest of United States.
Keep in mind that these are the average auto insurance rates for South Gate, and that the rate you get could end up being something different. The amount that insurance companies end up charging you is determined by a number of factors. 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.
We've broken down average rates for South Gate to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $40 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may creep back up in South Gate.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in South Gate is about $6 per month. As you can see in the table above, male drivers in the area typically pay $67 on average, while female drivers typically pay $61 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In South Gate, a driving record with a single accident will usually get you a rate around $126 a month. In addition, drivers with one ticket can expect to pay around $85 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$91|
|15 Years or Older||$63|
In South Gate, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $44 per month for auto insurance coverage.
Car owners, on the other hand, by and large pay around $69 a month, while SUV drivers can expect to pay about $60 per month to insure their vehicle.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In South Gate, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Generally speaking, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. South Gate is no exception, with the difference totaling to around $25 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in South Gate, expect to pay around $13 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in South Gate, CA
Recent trends in car insurance for South Gate drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of insurance in South Gate rose from 2018-2019, before steadying out in 2020. Policy premiums finished up in 2021, at $90 a month
How does South Gate compare to neighboring areas?
Why are car insurance rates in South Gate different from other areas?
Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Total number of drivers
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
- Local laws
- Rate of crime
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in South Gate?
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.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in South Gate.
South Gate Insurance FAQs
What factors affect car insurance quotes in South Gate?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in South Gate 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 crime rates, local laws, and parking situations 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 Gate?
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 South Gate?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to South Gate 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.