El Monte Car Insurance

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 AverageNational Average
$2,196$1,868$1,548

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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
InsurerAverage Yearly Rate
GEICO$1,521
Mercury$1,647
Infinity$2,082
AAA$2,129
CSAA$2,229

Consult our expert guide to finding the best cheap car insurance.



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 groupAverage Annual Rate
Teens$8,082
20s$3,243
30s$2,136
40s$2,068
50s$1,972
60s$1,964
70s$2,285

Learn more about how age influences auto insurance rates.



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 StatusAverage Yearly Rate
Female$2,201
Male$2,196
Single$2,103
Married$2,103
Divorced$2,196
Widowed$2,134

Learn more about the impact gender and marital status have on insurance rates.



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
CitationAverage Annual Rate
DUI/DWI$5,833
Reckless Driving$5,943
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

Learn more about citations' impact on your auto insurance rates.



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 TierAverage Yearly Rate
Very Poor$2,196
Fair$2,196
Good$2,196
Very Good$2,196
Exceptional$2,196

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.