El Monte Car Insurance

The Zebra
May 30, 2018

Car Insurance in El Monte

On average, El Monte premiums exceed California's average by $277, so in El Monte, it is especially crucial to save while insuring a vehicle. Let’s take a look at how to save on car insurance in El Monte.

  • City Average: $1,990
  • State Average: $1,713
  • National Average: $1,427

El Monte Car Insurance by Gender and Marital Status

Gender as well as marital status are important considerations in determining the price of car insurance in El Monte. Being married can save you $87 per year compared to being single or divorced. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for men and women generally deviate somewhat, with men paying less.

  • Female: $1,996
  • Male: $1,990
  • Single: $1,990
  • Married: $1,903
  • Divorced: $1,990
  • Widowed: $1,911

El Monte Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your prices on car insurance? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,656 is the additional cost per year for drivers with a DUI or reckless driving offense in El Monte, compared to the city average of $1,990. If you are found at-fault in an accident in El Monte, expect your yearly car insurance premiums to rise by $1,115.

  • DUI: $5,646
  • Reckless Driving: $5,646
  • At-fault Accident (damages less than $1000): $3,105
  • At-fault Accident (damages greater than $2000): $3,105
  • Speeding Ticket (16-20 mph over speed limit): $2,705

El Monte Car Insurance by Age

Among all age groups, drivers in their 60s have the lowest car insurance rates, with rates of $1,709 per year. However, people in their 50s ($1,755) aren’t paying much more. The most significant dip in premiums between any age group is from the teenage age bracket to the 20s, as drivers in El Monte start saving $4,524. Car insurance premiums for drivers in El Monte continue to fall through their 60s, but they can anticipate a change when they hit 70. Car insurance premiums are highest for teenage drivers, with average rates of $7,443 per year.

  • Teenagers: $7,443
  • 20s: $2,919
  • 30s: $1,954
  • 40s: $1,892
  • 50s: $1,755
  • 60s: $1,709
  • 70s: $1,909

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance.

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