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How much is car insurance in South Gate?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month more expensive to insure your vehicle in South Gate than it is in the rest of California.
Conversely, car insurance rates in South Gate are more affordable than the national average. You can expect to pay about $16 below the national average for auto insurance in South Gate.
While these are the average car insurance rates for South Gate, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for South Gate residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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South Gate 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 longer you've been driving. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $39 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates climb back up a bit in South Gate.
South Gate Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In South Gate, male drivers pay about $6 more per month. Based on the chart above, you can see that female drivers pay around $60 on average, while male drivers typically pay $66 each month.
South Gate Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in South Gate with one accident will pay around $116 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $70 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
South Gate Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$87|
|15 Years or Older||$61|
The cheapest vehicles to insure in South Gate are usually trucks and vans, with each type typically costing about $45 per month.
Car owners can expect to pay an average of around $68 a month for their policy, while SUVs usually cost around $58 a month to insure.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in South Gate are vehicles less than one year old.
South Gate Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Overall, people who are married will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in South Gate can be as much as $23 a month, so it's worth keeping that in mind.
South Gate Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in South Gate, expect to pay around $11 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
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 car insurance premiums.
Car Insurance Companies in South Gate, CA
Recent trends in car insurance for South Gate drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In South Gate, auto insurance rates increased from 2017-2019, before steadying out in 2020. Car insurance rates finished down in 2022, at $57 a month
How does South Gate compare to neighboring areas?
Why are car insurance rates in South Gate different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Regional regulations
- Amount of drivers in the community
- Road safety
- Amount of off-street parking
- Prevalence of crime
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. 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 South Gate?
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.
But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in South Gate.
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South Gate Auto Insurance FAQs
What factors affect car insurance quotes in South Gate?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in South Gate different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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 however, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Gate 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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