What's the average cost of car insurance in El Monte?
Car insurance costs an average of $2,196 per year in El Monte, California. That's more than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to El Monte car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
CAR INSURANCE RATES IN EL MONTE
|El Monte Average (yearly)||California Average||National Average|
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El Monte car insurance rates by provider
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, GEICO provides El Monte's cheapest rates. We've listed the best cheap car insurance companies in El Monte below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
EL MONTE CAR INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
Auto insurance premiums by age in El Monte
The age bracket that pays the least for auto insurance in El Monte consists of drivers in their age_60s, who pay an average of $1,964. Those in their age_50s don't pay significantly more ($1,972).
Teen drivers pay El Monte's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in El Monte is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in El Monte is $4,839. That's the biggest gap in premiums between any pair of age brackets.
EL MONTE CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Annual Rate|
El Monte car insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in El Monte pay $93 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in El Monte, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In El Monte, female drivers pay $5 per year more than do male drivers.
EL MONTE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
El Monte car insurance premiums by accident and violation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. El Monte drivers found guilty of reckless driving face insurance rate increases of $3,748 per year, compared to the citywide average. A DUI violation may lead to a $3,637 increase, while a citation for speeding leads to a $902 rate hike.
AVERAGE EL MONTE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,204|
|At-fault Accident (damages > $2,000)||$3,865|
|Speeding Ticket (16-20 mph over speed limit)||$3,097|
El Monte auto insurance rates by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In El Monte, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 0% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In El Monte, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.
EL MONTE CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|