Cheapest and Best Car Insurance Companies in El Monte, CA

MoneyGeek found that in El Monte, California, GEICO had the cheapest minimum coverage plans according to the latest 2023 quotes. Capital Insurance Company was rated highest for affordability and quality of service.

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 + BestCar InsuranceEl Monte

2023

Cheapest and Best Car Insurance in El Monte, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - Progressive

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - Capital Insurance Group

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

Cheapest and Best Car Insurance Companies in El Monte, CA

Compare Rates

On This Page:

Cheapest Minimum Liability Car Insurance in El Monte

Cheapest Full Coverage Car Insurance in El Monte

Cheapest Car Insurance in El Monte After a Driving Offense

Cheapest Car Insurance in El Monte for Teens and Their Families

Cheapest Car Insurance in El Monte for Military Drivers

How to Compare Cheap El Monte Car Insurance Quotes Online

Best Car Insurance in El Monte: Summary

Best Overall Car Insurance in El Monte

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in El Monte for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in El Monte

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in El Monte