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Depending on your needs, the best provider for you may vary. Progressive offers the cheapest full coverage insurance. We found that National General is the most affordable for those with a speeding ticket or a DUI and Capital Insurance Group is the cheapest after an accident. For teenage drivers, Farmers is the most affordable option and USAA is the cheapest for those with military affiliations. If you're prioritizing service, Chubb has the highest ratings.

MoneyGeek Logo IconCheapest + BestCar InsuranceEl Monte
2023

Cheapest and Best Car Insurance in El Monte, CA

Cheapest Minimum Liability Car Insurance in El Monte

El Monte's cheapest minimum car insurance are offered by the following providers:

  • GEICO: approximately $477 per year
  • Mercury: approximately $539 per year

Chubb has the priciest plans in El Monte, costing roughly $1,002 annually for minimum coverage. If you're looking for alternatives, MoneyGeek found the cheapest California auto insurance providers.

Company
Annual Premium
Monthly Premium

GEICO

$471

$39

GEICO

$477

$40

State Farm

$519

$43

Mercury

$539

$45

Progressive

$541

$45

Progressive

$551

$46

Mercury

$555

$46

GEICO

$563

$47

AAA California

$599

$50

AAA California

$622

$52

Travelers

$643

$54

Travelers

$643

$54

Progressive

$646

$54

Nationwide

$648

$54

Nationwide

$673

$56

Hartford

$681

$57

Capital Insurance Group

$682

$57

State Farm

$685

$57

Mercury

$686

$57

State National

$697

$58

Capital Insurance Group

$706

$59

State National

$717

$60

Kemper

$719

$60

Farmers

$730

$61

Travelers

$734

$61

Farmers

$748

$62

Allstate

$761

$63

AAA California

$771

$64

Allstate

$771

$64

State Farm

$783

$65

Capital Insurance Group

$792

$66

Hartford

$792

$66

Kemper

$828

$69

Allstate

$830

$69

Nationwide

$844

$70

State National

$846

$71

Farmers

$850

$71

National General

$891

$74

National General

$919

$77

Chubb

$1,002

$84

Chubb

$1,035

$86

Hartford

$1,068

$89

Kemper

$1,103

$92

National General

$1,105

$92

State Farm

$1,220

$102

Progressive

$1,231

$103

Progressive

$1,235

$103

GEICO

$1,238

$103

GEICO

$1,280

$107

Mercury

$1,310

$109

Mercury

$1,334

$111

Allstate

$1,360

$113

National General

$1,375

$115

AAA California

$1,396

$116

National General

$1,399

$117

AAA California

$1,408

$117

Capital Insurance Group

$1,413

$118

Allstate

$1,430

$119

Chubb

$1,454

$121

Hartford

$1,472

$123

GEICO

$1,479

$123

Progressive

$1,487

$124

Nationwide

$1,489

$124

Capital Insurance Group

$1,497

$125

State National

$1,553

$129

State Farm

$1,567

$131

Allstate

$1,584

$132

Nationwide

$1,616

$135

Travelers

$1,668

$139

State National

$1,671

$139

National General

$1,678

$140

Capital Insurance Group

$1,686

$141

Hartford

$1,711

$143

Travelers

$1,738

$145

Mercury

$1,740

$145

State Farm

$1,829

$152

Kemper

$1,842

$153

AAA California

$1,862

$155

Farmers

$1,881

$157

Farmers

$1,927

$161

State National

$2,054

$171

Travelers

$2,069

$172

Nationwide

$2,105

$175

Kemper

$2,249

$187

Hartford

$2,277

$190

Farmers

$2,280

$190

Chubb

$2,348

$196

Chubb

$2,426

$202

Kemper

$2,774

$231

Chubb

$3,471

$289

According to California law, an insurance policy must provide coverage for bodily injury and property damage at these minimums:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

If you are at fault in an accident and have bodily injury liability insurance covering $15,000 per person and $30,000 per accident, your insurer will pay for the injured parties' medical bills up to a maximum of $15,000 per person involved and $30,000 per accident. It's up to you to cover the remaining balance.

Cheapest Full Coverage Car Insurance in El Monte

The most affordable full coverage auto insurance policies in El Monte are offered by the following companies:

  • Progressive: approximately $1,231 per year
  • GEICO: approximately $1,280 per year

Chubb has the priciest complete coverage in El Monte, with annual premiums of roughly $2,348. MoneyGeek also identified the cheapest full coverage auto insurance providers across California to give you more information to work with.

Company
Annual Premium
Monthly Premium

GEICO

$471

$39

GEICO

$477

$40

State Farm

$519

$43

Mercury

$539

$45

Progressive

$541

$45

Progressive

$551

$46

Mercury

$555

$46

GEICO

$563

$47

AAA California

$599

$50

AAA California

$622

$52

Travelers

$643

$54

Travelers

$643

$54

Progressive

$646

$54

Nationwide

$648

$54

Nationwide

$673

$56

Hartford

$681

$57

Capital Insurance Group

$682

$57

State Farm

$685

$57

Mercury

$686

$57

State National

$697

$58

Capital Insurance Group

$706

$59

State National

$717

$60

Kemper

$719

$60

Farmers

$730

$61

Travelers

$734

$61

Farmers

$748

$62

Allstate

$761

$63

AAA California

$771

$64

Allstate

$771

$64

State Farm

$783

$65

Capital Insurance Group

$792

$66

Hartford

$792

$66

Kemper

$828

$69

Allstate

$830

$69

Nationwide

$844

$70

State National

$846

$71

Farmers

$850

$71

National General

$891

$74

National General

$919

$77

Chubb

$1,002

$84

Chubb

$1,035

$86

Hartford

$1,068

$89

Kemper

$1,103

$92

National General

$1,105

$92

State Farm

$1,220

$102

Progressive

$1,231

$103

Progressive

$1,235

$103

GEICO

$1,238

$103

GEICO

$1,280

$107

Mercury

$1,310

$109

Mercury

$1,334

$111

Allstate

$1,360

$113

National General

$1,375

$115

AAA California

$1,396

$116

National General

$1,399

$117

AAA California

$1,408

$117

Capital Insurance Group

$1,413

$118

Allstate

$1,430

$119

Chubb

$1,454

$121

Hartford

$1,472

$123

GEICO

$1,479

$123

Progressive

$1,487

$124

Nationwide

$1,489

$124

Capital Insurance Group

$1,497

$125

State National

$1,553

$129

State Farm

$1,567

$131

Allstate

$1,584

$132

Nationwide

$1,616

$135

Travelers

$1,668

$139

State National

$1,671

$139

National General

$1,678

$140

Capital Insurance Group

$1,686

$141

Hartford

$1,711

$143

Travelers

$1,738

$145

Mercury

$1,740

$145

State Farm

$1,829

$152

Kemper

$1,842

$153

AAA California

$1,862

$155

Farmers

$1,881

$157

Farmers

$1,927

$161

State National

$2,054

$171

Travelers

$2,069

$172

Nationwide

$2,105

$175

Kemper

$2,249

$187

Hartford

$2,277

$190

Farmers

$2,280

$190

Chubb

$2,348

$196

Chubb

$2,426

$202

Kemper

$2,774

$231

Chubb

$3,471

$289

If you already have liability insurance but want more protection, a full coverage policy will add comprehensive and collision coverage to your liability policy.

  • Collision Insurance: Covers the cost of repairs after an accident caused by another object or vehicle.
  • Comprehensive Insurance: Covers damage to your vehicle that is not caused by an accident, such as damage caused by weather or animals.

If you have an older car, paying out hundreds of dollars more a year might not be justified.

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Cheapest Car Insurance in El Monte After a Driving Offense

These companies offer the lowest rates for full coverage auto insurance in El Monte if you have violations:

  • Speeding ticket: National General (approximately $1,446 per year)
  • At-fault accident: Capital Insurance Group (approximately $1,760 per year)
  • DUI: National General (approximately $1,446 per year)

After an accident, your annual premiums with Kemper would likely cost around $4,056. Chubb's premiums for drivers with speeding violations are the highest at around $3,095. Hartford has the highest yearly premium at roughly $6,397 for drivers with DUIs. The cheapest company's rates for those who have a poor record can be higher than those who practice safe driving.

Company
Annual Premium
Monthly Premium

Mercury

$696

$58

Mercury

$717

$60

GEICO

$720

$60

GEICO

$729

$61

Capital Insurance Group

$757

$63

Capital Insurance Group

$784

$65

State Farm

$788

$66

Capital Insurance Group

$791

$66

AAA California

$801

$67

Capital Insurance Group

$820

$68

State Farm

$823

$69

AAA California

$832

$69

GEICO

$842

$70

GEICO

$852

$71

GEICO

$860

$72

Mercury

$872

$73

Capital Insurance Group

$880

$73

Mercury

$890

$74

Mercury

$897

$75

Capital Insurance Group

$922

$77

National General

$942

$79

National General

$942

$79

Kemper

$955

$80

AAA California

$958

$80

National General

$971

$81

National General

$971

$81

Mercury

$972

$81

Progressive

$979

$82

State National

$989

$82

State National

$989

$82

Farmers

$996

$83

Farmers

$996

$83

AAA California

$996

$83

Hartford

$998

$83

Hartford

$998

$83

Mercury

$999

$83

Progressive

$1,000

$83

Nationwide

$1,003

$84

Travelers

$1,004

$84

GEICO

$1,005

$84

Travelers

$1,006

$84

State National

$1,019

$85

State National

$1,019

$85

Farmers

$1,023

$85

Farmers

$1,023

$85

AAA California

$1,033

$86

Nationwide

$1,042

$87

State Farm

$1,042

$87

Allstate

$1,074

$89

Progressive

$1,083

$90

State Farm

$1,087

$91

Allstate

$1,089

$91

Kemper

$1,102

$92

Progressive

$1,107

$92

Mercury

$1,113

$93

Nationwide

$1,119

$93

Travelers

$1,124

$94

Travelers

$1,127

$94

Travelers

$1,157

$96

GEICO

$1,157

$96

Farmers

$1,162

$97

Farmers

$1,162

$97

Nationwide

$1,163

$97

National General

$1,169

$97

National General

$1,169

$97

GEICO

$1,171

$98

Hartford

$1,176

$98

Hartford

$1,176

$98

Allstate

$1,178

$98

Progressive

$1,182

$98

Capital Insurance Group

$1,187

$99

State Farm

$1,189

$99

Progressive

$1,189

$99

State National

$1,207

$101

State National

$1,207

$101

Progressive

$1,220

$102

Capital Insurance Group

$1,230

$103

AAA California

$1,239

$103

State Farm

$1,242

$103

Allstate

$1,242

$104

Mercury

$1,244

$104

Farmers

$1,245

$104

Allstate

$1,259

$105

Farmers

$1,278

$106

Travelers

$1,296

$108

Chubb

$1,301

$108

Progressive

$1,311

$109

Nationwide

$1,313

$109

Chubb

$1,333

$111

National General

$1,347

$112

Travelers

$1,358

$113

Travelers

$1,358

$113

Allstate

$1,363

$114

GEICO

$1,385

$115

Capital Insurance Group

$1,385

$115

National General

$1,389

$116

Progressive

$1,445

$120

National General

$1,446

$120

National General

$1,446

$120

Farmers

$1,452

$121

Nationwide

$1,466

$122

Kemper

$1,471

$123

National General

$1,472

$123

National General

$1,472

$123

Travelers

$1,570

$131

Chubb

$1,589

$132

Hartford

$1,618

$135

Hartford

$1,618

$135

Capital Insurance Group

$1,619

$135

Kemper

$1,621

$135

Kemper

$1,621

$135

Chubb

$1,622

$135

State Farm

$1,622

$135

Capital Insurance Group

$1,659

$138

National General

$1,674

$139

Capital Insurance Group

$1,717

$143

Mercury

$1,728

$144

Chubb

$1,753

$146

Capital Insurance Group

$1,760

$147

Mercury

$1,763

$147

National General

$1,765

$147

National General

$1,765

$147

Nationwide

$1,780

$148

State National

$1,796

$150

AAA California

$1,808

$151

State Farm

$1,812

$151

AAA California

$1,821

$152

Nationwide

$1,850

$154

State National

$1,854

$154

GEICO

$1,858

$155

State Farm

$1,898

$158

GEICO

$1,920

$160

Capital Insurance Group

$1,937

$161

Kemper

$1,970

$164

Kemper

$1,970

$164

Capital Insurance Group

$1,986

$166

Allstate

$1,986

$166

Chubb

$2,042

$170

National General

$2,051

$171

Chubb

$2,071

$173

GEICO

$2,076

$173

AAA California

$2,082

$173

National General

$2,088

$174

Allstate

$2,093

$174

Chubb

$2,103

$175

GEICO

$2,141

$178

AAA California

$2,144

$179

State Farm

$2,145

$179

AAA California

$2,149

$179

Mercury

$2,160

$180

AAA California

$2,165

$180

State National

$2,204

$184

Mercury

$2,204

$184

Hartford

$2,211

$184

State National

$2,211

$184

Hartford

$2,211

$184

State National

$2,211

$184

GEICO

$2,221

$185

Allstate

$2,250

$187

Allstate

$2,286

$190

Mercury

$2,309

$192

Nationwide

$2,312

$193

Mercury

$2,320

$193

Allstate

$2,328

$194

State Farm

$2,328

$194

Progressive

$2,330

$194

Nationwide

$2,342

$195

Progressive

$2,342

$195

Mercury

$2,361

$197

State National

$2,380

$198

State National

$2,380

$198

AAA California

$2,410

$201

State Farm

$2,438

$203

Kemper

$2,448

$204

State Farm

$2,449

$204

Hartford

$2,456

$205

Allstate

$2,464

$205

GEICO

$2,479

$207

Allstate

$2,481

$207

Kemper

$2,500

$208

Kemper

$2,500

$208

National General

$2,506

$209

Nationwide

$2,512

$209

Chubb

$2,522

$210

Capital Insurance Group

$2,532

$211

Progressive

$2,544

$212

Progressive

$2,562

$214

Travelers

$2,566

$214

Nationwide

$2,578

$215

Hartford

$2,583

$215

Hartford

$2,583

$215

Farmers

$2,600

$217

Farmers

$2,600

$217

Allstate

$2,606

$217

Farmers

$2,666

$222

Farmers

$2,666

$222

Travelers

$2,667

$222

Capital Insurance Group

$2,688

$224

AAA California

$2,700

$225

State Farm

$2,716

$226

Nationwide

$2,803

$234

Progressive

$2,827

$236

State Farm

$2,845

$237

AAA California

$2,848

$237

Travelers

$2,871

$239

Mercury

$2,887

$241

Progressive

$2,906

$242

Allstate

$2,910

$242

State National

$2,928

$244

State National

$2,928

$244

Progressive

$2,931

$244

Hartford

$2,941

$245

GEICO

$2,975

$248

Travelers

$2,979

$248

Kemper

$2,991

$249

Capital Insurance Group

$3,034

$253

GEICO

$3,072

$256

Mercury

$3,086

$257

Progressive

$3,093

$258

Chubb

$3,095

$258

Farmers

$3,155

$263

Farmers

$3,155

$263

Chubb

$3,173

$264

Travelers

$3,197

$266

Farmers

$3,250

$271

Nationwide

$3,281

$273

Farmers

$3,331

$278

Hartford

$3,472

$289

Hartford

$3,472

$289

Progressive

$3,538

$295

GEICO

$3,557

$296

Travelers

$3,576

$298

Travelers

$3,582

$299

Nationwide

$3,666

$306

Kemper

$3,692

$308

Travelers

$3,730

$311

State Farm

$3,749

$312

Chubb

$3,812

$318

Chubb

$3,888

$324

Farmers

$3,943

$329

Kemper

$4,056

$338

Kemper

$4,056

$338

Nationwide

$4,112

$343

State National

$4,130

$344

Hartford

$4,150

$346

Chubb

$4,218

$352

AAA California

$4,356

$363

Allstate

$4,362

$364

AAA California

$4,370

$364

State National

$4,451

$371

Nationwide

$4,475

$373

Travelers

$4,502

$375

Allstate

$4,611

$384

State Farm

$4,819

$402

Chubb

$4,941

$412

Chubb

$5,013

$418

Chubb

$5,090

$424

Kemper

$5,109

$426

Kemper

$5,109

$426

Allstate

$5,145

$429

Hartford

$5,420

$452

State National

$5,495

$458

State Farm

$5,620

$468

AAA California

$5,794

$483

Nationwide

$5,869

$489

Kemper

$6,126

$511

Kemper

$6,126

$511

Chubb

$6,143

$512

Hartford

$6,397

$533

Hartford

$8,742

$729

In general, the more serious the driving violation, the higher your premiums. For example, a driver with a DUI in El Monte will pay up to $2,441 more for car insurance than a person with a spotless driving record. A driver with a speeding ticket will only pay around $699 more per year. However, you can still find cheap auto insurance with a bad driving record.

Cheapest Car Insurance in El Monte for Teens and Their Families

Insurers with the lowest rates for teenage drivers 16-year-old included on a family policy are:

  • Farmers: approximately $3,533 per year for both male and female teens
  • Capital Insurance Group: approximately $3,587 for both male and female teens

Nationwide is the most expensive insurance provider for teenagers in El Monte, charging an average of $6,006 a year to cover either a male or female teen on their parent’s policy.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,659

$2,669

GEICO

$1,698

$2,732

GEICO

$1,701

$3,009

GEICO

$1,720

$2,870

GEICO

$1,740

$2,799

GEICO

$1,749

$3,093

GEICO

$1,774

$3,268

GEICO

$1,796

$3,177

Capital Insurance Group

$1,904

$2,441

Capital Insurance Group

$1,904

$2,441

Progressive

$1,922

$3,082

Progressive

$1,922

$3,082

GEICO

$1,970

$2,948

GEICO

$2,035

$3,366

Progressive

$2,081

$3,337

Progressive

$2,081

$3,337

Nationwide

$2,088

$4,338

Nationwide

$2,088

$4,338

Allstate

$2,120

$3,460

Allstate

$2,120

$3,460

Capital Insurance Group

$2,167

$2,891

Capital Insurance Group

$2,167

$2,891

Allstate

$2,220

$3,623

Allstate

$2,220

$3,623

Progressive

$2,226

$4,123

Progressive

$2,226

$4,123

Capital Insurance Group

$2,255

$2,891

Capital Insurance Group

$2,255

$2,891

Capital Insurance Group

$2,255

$2,891

Capital Insurance Group

$2,255

$2,891

Allstate

$2,276

$4,025

Allstate

$2,276

$4,025

Nationwide

$2,289

$4,756

Nationwide

$2,289

$4,756

Allstate

$2,299

$3,753

Allstate

$2,299

$3,753

Progressive

$2,331

$3,738

Progressive

$2,331

$3,738

Nationwide

$2,362

$5,440

Nationwide

$2,362

$5,440

Farmers

$2,419

$3,458

Farmers

$2,419

$3,458

Kemper

$2,428

$4,878

Kemper

$2,428

$4,878

Allstate

$2,440

$4,043

Allstate

$2,440

$4,043

Nationwide

$2,454

$5,098

Nationwide

$2,454

$5,098

State Farm

$2,479

$3,636

State Farm

$2,479

$3,636

Travelers

$2,497

$3,450

Travelers

$2,497

$3,450

Capital Insurance Group

$2,517

$3,253

Capital Insurance Group

$2,517

$3,253

GEICO

$2,535

$4,285

Kemper

$2,564

$5,150

Kemper

$2,564

$5,150

State Farm

$2,579

$3,782

State Farm

$2,579

$3,782

Travelers

$2,585

$3,571

Travelers

$2,585

$3,571

Capital Insurance Group

$2,610

$3,253

Capital Insurance Group

$2,610

$3,253

State Farm

$2,623

$4,103

State Farm

$2,623

$4,103

GEICO

$2,635

$4,942

Travelers

$2,638

$3,832

Travelers

$2,638

$3,832

State Farm

$2,638

$3,870

State Farm

$2,638

$3,870

Travelers

$2,694

$3,721

Travelers

$2,694

$3,721

Kemper

$2,699

$6,056

Kemper

$2,699

$6,056

Farmers

$2,709

$4,011

Farmers

$2,709

$4,011

Progressive

$2,761

$4,523

Progressive

$2,761

$4,523

Nationwide

$2,765

$5,963

Nationwide

$2,765

$5,963

GEICO

$2,773

$4,150

Kemper

$2,789

$5,602

Kemper

$2,789

$5,602

Capital Insurance Group

$2,795

$3,611

Capital Insurance Group

$2,795

$3,611

Allstate

$2,798

$5,153

Allstate

$2,798

$5,153

Farmers

$2,806

$4,011

Farmers

$2,806

$4,011

Farmers

$2,806

$4,011

Farmers

$2,806

$4,011

State Farm

$2,811

$4,183

State Farm

$2,811

$4,183

Allstate

$2,844

$4,713

Allstate

$2,844

$4,713

GEICO

$2,883

$4,770

Travelers

$2,943

$4,022

Travelers

$2,943

$4,022

State Farm

$2,984

$4,658

State Farm

$2,984

$4,658

State Farm

$3,011

$4,482

State Farm

$3,011

$4,482

Farmers

$3,030

$4,599

Farmers

$3,030

$4,599

Kemper

$3,126

$6,421

Kemper

$3,126

$6,421

Travelers

$3,194

$4,641

Travelers

$3,194

$4,641

Travelers

$3,243

$4,432

Travelers

$3,243

$4,432

Farmers

$3,275

$5,297

Farmers

$3,275

$5,297

Farmers

$3,305

$5,017

Farmers

$3,305

$5,017

State Farm

$3,316

$5,907

State Farm

$3,316

$5,907

Kemper

$3,386

$6,955

Kemper

$3,386

$6,955

Nationwide

$3,407

$8,244

Nationwide

$3,407

$8,244

Kemper

$3,415

$7,668

Kemper

$3,415

$7,668

Progressive

$3,442

$6,400

Progressive

$3,442

$6,400

Farmers

$3,448

$6,825

Farmers

$3,448

$6,825

GEICO

$3,502

$6,196

State Farm

$3,516

$6,263

State Farm

$3,516

$6,263

Farmers

$3,533

$7,139

Farmers

$3,533

$7,139

Farmers

$3,544

$7,015

Farmers

$3,544

$7,015

Capital Insurance Group

$3,587

$4,469

Capital Insurance Group

$3,587

$4,469

Capital Insurance Group

$3,587

$4,469

Capital Insurance Group

$3,587

$4,469

Capital Insurance Group

$3,587

$4,469

Capital Insurance Group

$3,587

$4,469

State Farm

$3,590

$7,017

State Farm

$3,590

$7,017

Nationwide

$3,634

$7,839

Nationwide

$3,634

$7,839

Progressive

$3,658

$5,992

Progressive

$3,658

$5,992

GEICO

$3,671

$7,202

Allstate

$3,733

$7,410

Allstate

$3,733

$7,410

GEICO

$3,754

$6,918

GEICO

$3,851

$6,813

Allstate

$3,866

$7,806

Allstate

$3,866

$7,806

Allstate

$3,933

$7,806

Allstate

$3,933

$7,806

GEICO

$3,958

$8,142

Progressive

$3,972

$8,137

Progressive

$3,972

$8,137

Progressive

$3,998

$8,208

Progressive

$3,998

$8,208

Progressive

$4,013

$8,221

Progressive

$4,013

$8,221

GEICO

$4,053

$7,952

Travelers

$4,268

$5,851

Travelers

$4,268

$5,851

Travelers

$4,459

$6,113

Travelers

$4,459

$6,113

Travelers

$4,469

$6,415

Travelers

$4,469

$6,415

Kemper

$5,152

$10,470

Kemper

$5,152

$10,470

Nationwide

$5,176

$11,145

Nationwide

$5,176

$11,145

Kemper

$5,644

$11,470

Kemper

$5,644

$11,470

Kemper

$5,696

$12,785

Kemper

$5,696

$12,785

Nationwide

$5,819

$12,532

Nationwide

$5,819

$12,532

Nationwide

$6,006

$15,125

Nationwide

$6,006

$15,125

Since auto insurance premiums for teenagers are substantially higher if they buy a policy on their own, adding a teen to a family policy is a good method to save money. For instance, a male teen in El Monte, California, would pay $673 more for an individual policy than for a family policy. By finding the cheapest car insurance for teens, families can save money on premiums.

Cheapest Car Insurance in El Monte for Military Drivers

In El Monte, individuals with a military background and their families can get the best deals on car insurance by shopping with the following companies:

  • USAA: approximately $992 per year
  • GEICO: approximately $1,231 per year

Insurance premiums for a comprehensive plan are as shown above. With minimum coverage, USAA is the most cost-effective provider at around $441 annually, followed by GEICO at approximately $477. If you're looking for other options, MoneyGeek found the cheapest auto insurance for military drivers.

Company
Annual Premium
Monthly Premium

USAA

$441

$37

USAA

$441

$37

GEICO

$471

$39

GEICO

$477

$40

State Farm

$519

$43

USAA

$532

$44

Mercury

$539

$45

Progressive

$541

$45

Progressive

$551

$46

Mercury

$555

$46

GEICO

$563

$47

AAA California

$599

$50

AAA California

$622

$52

Travelers

$643

$54

Travelers

$643

$54

Progressive

$646

$54

Nationwide

$648

$54

Nationwide

$673

$56

Hartford

$681

$57

Capital Insurance Group

$682

$57

State Farm

$685

$57

Mercury

$686

$57

State National

$697

$58

Capital Insurance Group

$706

$59

State National

$717

$60

Kemper

$719

$60

Farmers

$730

$61

Travelers

$734

$61

Farmers

$748

$62

Allstate

$761

$63

AAA California

$771

$64

Allstate

$771

$64

State Farm

$783

$65

Capital Insurance Group

$792

$66

Hartford

$792

$66

Kemper

$828

$69

Allstate

$830

$69

Nationwide

$844

$70

State National

$846

$71

Farmers

$850

$71

National General

$891

$74

National General

$919

$77

USAA

$972

$81

USAA

$992

$83

Chubb

$1,002

$84

Chubb

$1,035

$86

Hartford

$1,068

$89

Kemper

$1,103

$92

National General

$1,105

$92

USAA

$1,186

$99

State Farm

$1,220

$102

Progressive

$1,231

$103

Progressive

$1,235

$103

GEICO

$1,238

$103

GEICO

$1,280

$107

Mercury

$1,310

$109

Mercury

$1,334

$111

Allstate

$1,360

$113

National General

$1,375

$115

AAA California

$1,396

$116

National General

$1,399

$117

AAA California

$1,408

$117

Capital Insurance Group

$1,413

$118

Allstate

$1,430

$119

Chubb

$1,454

$121

Hartford

$1,472

$123

GEICO

$1,479

$123

Progressive

$1,487

$124

Nationwide

$1,489

$124

Capital Insurance Group

$1,497

$125

State National

$1,553

$129

State Farm

$1,567

$131

Allstate

$1,584

$132

Nationwide

$1,616

$135

Travelers

$1,668

$139

State National

$1,671

$139

National General

$1,678

$140

Capital Insurance Group

$1,686

$141

Hartford

$1,711

$143

Travelers

$1,738

$145

Mercury

$1,740

$145

State Farm

$1,829

$152

Kemper

$1,842

$153

AAA California

$1,862

$155

Farmers

$1,881

$157

Farmers

$1,927

$161

State National

$2,054

$171

Travelers

$2,069

$172

Nationwide

$2,105

$175

Kemper

$2,249

$187

Hartford

$2,277

$190

Farmers

$2,280

$190

Chubb

$2,348

$196

Chubb

$2,426

$202

Kemper

$2,774

$231

Chubb

$3,471

$289

How to Compare Cheap El Monte Car Insurance Quotes Online

Online vehicle insurance quote comparison in El Monte can take some time. It normally takes 15 minutes or more to get quotes from a single insurer since it requires a lot of personal information.

To make things more convenient, MoneyGeek's car insurance calculator will quickly estimate rates with various companies. All you need is basic information such as your age, vehicle type, driving record and desired coverage level.

Auto Insurance Calculator

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Best Car Insurance in El Monte: Summary

Your priorities in terms of service, cost, coverages and other considerations will determine the best insurer for you. These are the top-rated California auto insurers:

  • Best overall: Capital Insurance Group (MoneyGeek score 75 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

Scores may vary due to weightings in each category. ​​CSAA is MoneyGeek's overall best pick for California auto insurance providers.

USAA is a great choice if you have a military background, earning a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in El Monte

After considering price, coverage options and other variables, MoneyGeek has found the top auto insurance providers in El Monte:

  • Capital Insurance Group: MoneyGeek score 75 out of 100 (approximately $1,497 per year)
  • Progressive: MoneyGeek score 74 out of 100 (approximately $1,231 per year)

Capital Insurance Group scored the highest overall out of 15 providers thanks to its competitive pricing, high number of satisfied customers and efficient claims processing.

USAA auto insurance is another great option if you are in the military. It offers the lowest premiums in El Monte at an average of $992 per year and has a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

Scored highly in satisfaction

High score for affordability

Offers roadside assistance, full glass and custom parts coverage

cons

No rental car reimbursement, accident forgiveness and gap insurance

Low coverage score

COMPANY HIGHLIGHTS

Capital Insurance Group (CIG) offers a few basic types of coverage options and discounts for most drivers. This includes discounts for good students, providing glass repair for your windshield, offering name-brand replacements for auto parts and more. You can also get discounts if you combine your CIG home or renters insurance coverage with your auto insurance plan.

If your auto insurance includes Emergency Roadside Protection as an add-on, CIG offers 100-Mile Roadside Express Service and 24/7 Emergency Rescue. In the event that your car is stranded, the towing service has an operating radius of up to 100 miles with no additional charge.

Although CIG is known for its high level of customer satisfaction and effective claims process, it lacks many key coverage options that most providers have.

Best Car Insurance in El Monte for Customer Service

Using MoneyGeek's criteria, the following providers are the top-rated El Monte auto insurers in terms of customer satisfaction, regardless of price:

  • Chubb: MoneyGeek score 76 out of 100 (approximately $2,348 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 (approximately $1,497 per year)

When it comes to policyholder satisfaction and speedy claims processing, Chubb excels. However, Chubb's premiums are much higher than those of the runner-up and most of its competitors despite the company's superior customer service.

How was this MoneyGeek score calculated?

Chubb

pros

High claims management score

Excellent customer satisfaction score

Offers OEM and rental car reimbursement

cons

Lacks gap insurance

Poor affordability score

COMPANY HIGHLIGHTS

Based on the 2022 J.D. Power research survey and the NAIC customer complaint index, Chubb offers excellent customer service with fewer complaints on average for a company its size.

Chubb offers rental car reimbursement coverage, which allows policyholders to rent a car that is the same make and model as their own in the event of a covered loss. There is no daily maximum, with this coverage totaling $15,000. Chubb also provides original equipment manufacturer (OEM) coverage, which means that the provider will cover the cost of original parts replacement for your car. In contrast, some providers only offer aftermarket parts that may be less reliable than the original manufacturer parts.

However, some drivers might be dissatisfied that this provider does not offer optional gap insurance and new or better car replacement than other companies offer. You also pay higher rates for the insurer’s excellent service.

Best Cheap Car Insurance in El Monte

We compared rates and customer satisfaction across various insurers in El Monte, and these companies stood out as the cheapest overall for drivers in California looking for cheap minimum coverage auto insurance:

  • GEICO: MoneyGeek score 78 out of 100 (approximately $477 per year)
  • Progressive: MoneyGeek score 73 out of 100 (approximately $539 per year)

Although they tend to be more affordable than full coverage policies, minimum coverage policies offer limited protection against liability fees or reimbursement for car damage in the event of an accident.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs around $477 per year

Offers discounts for bundles, safety systems and new vehicles

High customer satisfaction and basic coverage options

cons

No discount for going paperless

Limited coverage add-ons

COMPANY HIGHLIGHTS

GEICO offers the most affordable premiums in El Monte, along with above-average customer satisfaction. It also offers plenty of opportunities to save if you have safety features. This includes discounts of up to 23% if your vehicle has airbags and 5% off if you have a factory-installed anti-lock braking system.

If you already have insurance plans with GEICO, such as a homeowners or renters policy, you can get a discount on your car insurance as well. In addition, drivers who insure more than one car can save up to 25% on their premiums.

One unique discount that GEICO offers is One unique discount that GEICO offers is for daytime running lights. If you have them installed as standard, you may be eligible for a 3% discount on certain car insurance coverages. GEICO also offers discounts for active or retired federal employees, teachers and military members that are not typically found elsewhere.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in El Monte

Where you live is one of the factors that impact car insurance rates. The annual average cost of full coverage insurance in El Monte is $1,586. This is $199 more than the average cost of auto insurance in California and $321 more than the national average cost of car insurance as of October 2022. These costs reflect a policy with comprehensive coverage, including medical payments coverage in the amount of $100,000 per person, $300,000 in bodily injury liability per accident and $100,000 in property damage coverage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.