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.
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.
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.
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.
Compare minimum and full coverage policies.
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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.
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.
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.
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
See how the Average Annual Auto Insurance Rates vary with the options chosen.
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?
Scored highly in satisfaction
High score for affordability
Offers roadside assistance, full glass and custom parts coverage
No rental car reimbursement, accident forgiveness and gap insurance
Low coverage score
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?
High claims management score
Excellent customer satisfaction score
Offers OEM and rental car reimbursement
Lacks gap insurance
Poor affordability score
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?
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
No discount for going paperless
Limited coverage add-ons
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.
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