bestauto insuranceEl MonteCompare the Cheapest Car Insurance Quotes in El Monte, CA
The average car insurance rate in El Monte is $1,591 annually, which is 11.3% higher than California’s average. The cheapest insurer is Esurance, costing an average of $1,110 yearly. Several policies with varying coverage amounts and driving histories were analyzed to help you find the best rates. If you value cost and quality, MoneyGeek also ranked the best car insurance companies in El Monte.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/5/2023
Edited By |
Kathryn Schroeder
Written By |
Mark Fitzpatrick
Car insurance premiums vary depending on your preferred coverage and driver’s profile. In El Monte, CA, Esurance offers the cheapest coverage with an annual premium of $1,110. It also offers the cheapest state minimum coverage after speeding tickets. For members of the military, USAA might be the cheapest choice for you.
bestauto insuranceEl MonteThe Cheapest and Best Car Insurance in El Monte
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - Esurance
Methodology
Based on data from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the collection of average rates, MoneyGeek assessed car insurance companies in El Monte to find the best.
The Cheapest Car Insurance Companies in El Monte
USAA is the second most affordable option, with a full insurance coverage rate of $1,193.
A full coverage policy is a type of policy that includes comprehensive and collision coverage. If you’re looking for the cheapest option, Esurance is for you. Its rate is only about a third of Allied, whose insurance premium is the most expensive in the city at $1,971 per year. Note that the premium may still change depending on the amount of liability insurance you choose.
Cheapest Car Insurance in El Monte
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,110
- 2.$1,193
- 3.$1,250
- 4.$1,416
- 5.$1,456
The average rates that MoneyGeek has collected were based on a sample profile of a 40-year-old male driver in El Monte carrying a full coverage policy, in accordance with the company’s methodology.
A full coverage policy includes comprehensive and collision insurance. It tends to be more expensive than the minimum coverage but offers more protection.
- Comprehensive insurance: pays for any damage to your car due to reasons other than accidents
- Collision insurance: covers expenses if you run in a vehicular accident
If you have an older car, liability-only insurance or state minimum auto insurance may be a better option.
Compare Car Insurance Rates in El Monte
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in El Monte for Minimum Coverage
Buying the minimum coverage in El Monte is the most affordable option, but the downside is that it has low levels of coverage. The companies with the cheapest rate for this policy are:
- Progressive: $536 per year
- GEICO: $597 per year
If you’re in the military or have been part of the military, USAA is also a cheap choice. Its minimum coverage costs $492 per year.
The minimum coverage provides low coverage, as it doesn’t include comprehensive and collision insurance. You may be able to save money on the insurance, but there’s the risk of not being completely covered. You may have to pay more down the road.
Cheapest Minimum Liability Car Insurance in El Monte
State Minimum
- CompanyState Minimumper year
- 1.$492
- 2.$536
- 3.$597
- 4.$603
- 5.$662
A minimum coverage policy only includes liability insurance. It means your insurance won’t cover you in the event of an accident or if your vehicle gets damaged. For instance, if you have been at fault in an accident that incurs $60,000 in medical bills, you will have to pay $20,000 because the liability insurance only covers $40,000 per accident. Therefore, you may have the cheapest annual premium, but you might end up paying out of pocket.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in El Monte if You Have Driving Violations
Insurance premiums will increase if you have a poor driving record. If you have a driving violation and you’re looking for the cheapest car insurance, here are your options:
- Cheapest after a ticket: Esurance, $1,408 per year
- Cheapest after an at-fault accident: Esurance, $1,745 per year
- Cheapest after a DUI: Mercury, $2,576 per year
If you’re from a military family and have a speeding ticket, USAA offers the cheapest rate of $1,304 per year.
You can lower your premiums even further by improving your driving record. However, the process would take time. A good alternative is to shop around to find which auto insurance offers the best cheap car insurance after an accident or ticket.
Cheapest Car Insurance in El Monte With a Violation
Speeding Ticket
Average Cost of Car Insurance in El Monte
El Monte$1,591
California$1,429
U.S.$1,424
Car insurance rates vary by state. In California, most people pay an average of $1,429 per year. The average car insurance rate in El Monte is 11.3% higher than California’s and costs $1,591 annually. Compared with the national average, which costs $1,424 yearly, El Monte’s rate is 11.7% higher.
Personalized Quotes to Get You the Cheapest Car Insurance in El Monte
Insurers consider several factors when calculating car insurance rates in El Monte. These include your driving record and experience, credit score, marital status and more. Since these factors can change over time, it’s encouraged to compare personalized auto insurance quotes from various carriers regularly. You may earn savings from discounts and rebates.
Compare Car Insurance Rates in El Monte
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in El Monte
By evaluating average rates, claims ratings and customer satisfaction scores, MoneyGeek discovered the top car insurance companies in El Monte. The best car insurance providers in El Monte are:
- Esurance: MoneyGeek score of 91 out of 100
- GEICO: MoneyGeek score of 78 out of 100
MoneyGeek didn't include USAA in this analysis because it exclusively serves military members and their families. However, it is the best car insurance company in El Monte for them, having a MoneyGeek score of 94 out of 100.
1
Esurance
Score:91
Esurance got the highest affordability score in El Monte alongside a good customer satisfaction score and average claims rating. For a 40-year-old driver in El Monte, a full coverage Esurance policy costs around $1,110. Esurance offers custom parts and equipment coverage, a unique, widely-available policy add-on.
More About Esurance
Esurance offers five add-on coverages — one of which is unique: custom parts coverage. It protects your car's aftermarket improvements, such as a custom grill or sound system, if they are damaged in a covered claim.
Other add-on coverages offered by Esurance in El Monte include roadside assistance, rental car and/or travel reimbursement, gap insurance and rideshare insurance. You may choose gap insurance if you have a loan or lease on your car since it pays up to 25% more than the car’s value if it’s totaled, which can help you pay off the balance.
Read MoneyGeek's Esurance auto Insurance Review2
GEICO
Score:78
GEICO scored highly for customer satisfaction alongside a good claims rating, although its affordability is average in El Monte. A full coverage GEICO policy costs $1,456 per year on average for a 40-year-old driver. Mechanical breakdown insurance is a rare add-on that GEICO offers policyholders.
More About GEICO
To supplement your policy, GEICO offers three additional coverage options. For example, mechanical breakdown insurance (MBI) — a rare offering — covers every component and system in your car, more than a dealer’s extended warranty, at a lower price. It’s available on cars with less than 15,000 miles that are not over 15 months old.
In El Monte, GEICO also has add-on roadside assistance and rental car and/or travel reimbursement. Roadside assistance covers flat tire changes, jumpstarts, towing and lockout services, whereas rental car coverage reimburses the cost of a rental car to a preset amount if your vehicle is undrivable for more than 24 hours due to a covered accident.
Read MoneyGeek's GEICO auto Insurance Review3
Progressive
Score:77
4
AAA
Score:75
5
MetLife
Score:73
6
Mercury
Score:66
7
State Farm
Score:61
8
Allstate
Score:59
9
Travelers
Score:55
10
Farmers
Score:50
11
Hartford
Score:27
12
Allied
Score:23
Average Cost of Car Insurance by Postal Code
Insurers use your ZIP code to determine the level of risk in your location when calculating car insurance premiums in El Monte. Neighborhoods where vandalism or car thefts often occur have higher rates. It is the same for areas with denser populations. You can compare car insurance rates in California using postal codes.
In El Monte, there is a $46 difference between the ZIP codes 91732 and 91731. Drivers in the 91732 area pay, on average, $1,568 per year, whereas those in 91731 have an average rate of $1,614 yearly, which is $46 more.
- Zip CodeState Minimumper year
- 91732$1,568
- 91731$1,614
Factors That Impact Insurance Costs in El Monte
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in El Monte. How El Monte ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About the Author
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.