Cheapest and Best Car Insurance in El Monte, CA (July 2024)


In El Monte, California, the best car insurance is tailored to specific needs. For full coverage, Progressive is cheapest, GEICO is cheapest for minimum coverage. For families with teens, Farmers is most cost-effective.

Exceptional customer service is offered by Chubb, whereas Capital Insurance Group is the best overall choice balancing price and service. Your ideal insurer may vary depending on coverage needs and personal preferences.

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2024

Cheapest and Best Car Insurance in El Monte

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of El Monte, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for El Monte insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in El Monte, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in El Monte

GEICO is the cheapest option in El Monte for those looking for the cheapest car insurance. Here's how the companies stack up for minimum coverage:

  • GEICO: $547 per year
  • Progressive: $548 per year

Chubb is at the higher end with minimum coverage policies, amounting to $1,002 annually. The difference in annual rates, a $455 contrast between the cheapest and most expensive, underscores the importance of shopping around to ensure you're getting the best deal on car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICO$547$46
Progressive$548$46
Mercury$560$47
Capital Insurance Group$646$54
AAA$673$56
Farmers$694$58
State National$717$60
Kemper$719$60
State Farm$792$66
Nationwide$794$66
Hartford$795$66
Travelers$825$69
Allstate$836$70
National General$880$73
Chubb$1,002$84

Do You Need Full Coverage in California?

Across all Californian cities, including El Monte, the minimum required car insurance coverage is governed by state law. Here are the basics:

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

For example, if you're in a covered accident and bear responsibility, your policy will pay up to $15,000 for each injured person's expenses, but not more than $30,000 per accident. Should expenses exceed these limits, you're likely reaching into your own pocket to cover the difference.

Cheapest Full Coverage Car Insurance in El Monte

Progressive offers the cheapest full coverage car insurance in El Monte.

  • Progressive: $1,281 per year
  • AAA: $1,457 per year

Farmers has the most expensive full coverage policy in El Monte, costing $2,471 annually. This is $1,190 more than Progressive, highlighting why it's essential to compare rates for full coverage car insurance, which tends to be pricier due to the comprehensive and collision coverage included.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,281$107
AAA$1,457$121
Mercury$1,463$122
GEICO$1,470$122
Capital Insurance Group$1,527$127
Allstate$1,538$128
National General$1,621$135
State National$1,671$139
Hartford$1,729$144
Kemper$1,842$153
State Farm$1,967$164
Nationwide$1,968$164
Travelers$2,294$191
Chubb$2,348$196
Farmers$2,471$206

Do You Need Full Coverage in California?

A full coverage policy in El Monte includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in El Monte After a Driving Offense

National General is the cheapest option in El Monte for drivers with infractions such as speeding tickets and DUIs, while Capital Insurance Group offers the lowest rate after an at-fault accident.

  • Speeding ticket: National General ($1,702 per year)
  • At-fault accident: Capital Insurance Group ($1,798 per year)
  • DUI: National General ($1,702 per year)

Hartford has the most expensive rates for all three offenses, highlighting the cost discrepancy between insurers. The identical rates from National General for a speeding ticket and a DUI shows how the severity of the offense may not always impact the rates in the same way for all insurance companies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National General$1,702$142
Capital Insurance Group$1,758$147
AAA$1,892$158
Mercury$1,934$161
GEICO$2,186$182
Allstate$2,247$187
State National$2,380$198
Progressive$2,426$202
Kemper$2,448$204
Hartford$2,611$218
State Farm$2,919$243
Chubb$3,095$258
Nationwide$3,413$284
Farmers$3,427$286
Travelers$3,521$293

In insurance pricing, the gravity of a driving offense correlates with heightened rates due to the increased risk posed to insurers. For example, drivers with a speeding ticket in El Monte may face average annual premiums of around $2,531, while those with a DUI offense could see rates soar to approximately $4,241. This difference underscores the importance for individuals with driving infractions to diligently compare insurance rates to ensure they secure the most financially advantageous policy.

Cheapest Car Insurance in El Monte for Teens and Their Families

Farmers is the cheapest car insurance for teens in El Monte, offering substantial savings for families:

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

These rates represent policies that combine coverage for two parents and a teen driver. Nationwide has the most expensive teen family policy in El Monte, with an annual premium difference of $2,473 for a female teen compared with Farmers. This significant variance highlights the importance of comparing rates, especially for high-risk drivers like teenagers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
Farmers$3,533$5,208
Capital Insurance Group$3,587$3,503
State Farm$3,590$3,975
GEICO$3,754$4,239
Allstate$3,866$4,165
Progressive$3,998$4,393
Travelers$4,469$4,040
Kemper$5,696$7,604
Nationwide$6,006$8,527

In El Monte, as in other US cities, young drivers face steep costs when purchasing car insurance independently. On average, a teen's individual annual premium is about $5,156, significantly higher than the $4,300 average premium added to a family plan. This substantial difference — over $850 annually — aligns with insurers' risk assessment.

Teenagers are statistically more likely to be involved in accidents, making them costly to insure independently. Moreover, it's challenging for teens to secure a policy on their own due to their limited credit history and driving experience. Thus, incorporating teens into a family insurance plan not only eases financial strain but also provides greater policy approval prospects.

Cheapest Car Insurance in El Monte for Military Drivers

Progressive is the cheapest option for full coverage car insurance for military backgrounds in El Monte:

  • Progressive: $1,281 per year
  • USAA: $1,344 per year

USAA is a close second and is not only competitively priced in El Monte but also known for its tailored services to active duty military members. Even though USAA's rates are slightly higher than Progressive, its focus on meeting the unique needs of the military community often makes them a preferred option for many service members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,281$107
USAA$1,344$112
AAA$1,457$121
Mercury$1,463$122
GEICO$1,470$122
Capital Insurance Group$1,527$127
Allstate$1,538$128
National General$1,621$135
State National$1,671$139
Hartford$1,729$144
Kemper$1,842$153
State Farm$1,967$164
Nationwide$1,968$164
Travelers$2,294$191
Chubb$2,348$196
Farmers$2,471$206

How to Compare Cheap El Monte Car Insurance Quotes Online

In El Monte, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Nov 06, 2024

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Best Car Insurance in El Monte: Overview

Choosing the best auto insurance for your needs is a balance between valuing service, cost, coverage and other factors. The top car insurance providers in El Monte for different preferences are:

  • Best overall: Capital Insurance Group (MoneyGeek score: 84 out of 100)
  • Best for service: Chubb (MoneyGeek score: 94 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score: 83 out of 100)

Capital Insurance Group leads in El Monte, offering the best overall value and affordability without a substantial sacrifice in service quality. Chubb, on the other hand, shines as the provider with the top-notch service experience.

Overall Best Car Insurance in El Monte

Capital Insurance Group offers the best car insurance in El Monte, considering overall satisfaction and affordability.

  • Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,527 per year)
  • Chubb: MoneyGeek score of 78 out of 100 ($2,348 per year)

Capital Insurance Group distinguishes itself with a high satisfaction score and an even higher affordability score. This demonstrates the company's ability to provide exceptional service and economic value to its customers.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
84/ of 100

Overview

Capital Insurance Group's earned high satisfaction and solid claims processing scores. The company offers Roadside Assistance and Rental Car and/or Travel Reimbursement. It also provides Custom Parts Coverage, which helps drivers who invest in enhancing their vehicles — it replaces name-brand elements, keeping customizations secure.

Best Car Insurance in El Monte for Customer Service

Chubb is the best option in El Monte for customers prioritizing excellent service in car insurance. This is reflected by an impressive MoneyGeek score that did not take rates into consideration but instead focused on general satisfaction, claims handling and available coverages.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,348 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,527 per year)

Chubb stands out due to its superior performance across several metrics, with notably high satisfaction and claims handling scores.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's high MoneyGeek score is driven by exceptional satisfaction and claims handling. The company offers Rental Car and/or Travel Reimbursement and Roadside Assistance. Chubb provides a range of valuable coverages for drivers, including Antique/Classic Car Insurance, which is perfect for enthusiasts seeking specialized protection for their cherished vehicles.

Its OEM Coverage is particularly beneficial, ensuring that repairs utilize original manufacturer parts, a rare offer that underscores their commitment to quality. Diminished Value Coverage is another standout, acknowledging a car's value loss after an accident and compensating accordingly.

Best Cheap Car Insurance in El Monte

Capital Insurance Group is the best option in El Monte for cheap car insurance. The MoneyGeek score emphasizes affordability, yet takes into account claims handling and general satisfaction to ensure a comprehensive evaluation of service quality.

  • Capital Insurance Group: MoneyGeek score of 83 out of 100 ($646 per year)
  • Mercury: MoneyGeek score of 81 out of 100 ($560 per year)

Capital Insurance Group distinguishes itself by not only having a competitive annual premium but also by achieving the highest ratings in customer satisfaction and claims handling. The score is representative of a minimum coverage policy.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
83/ of 100

Overview

With an average annual premium of $646, the average driver enjoys affordable minimum coverage with Capital Insurance Group. Among its discount offerings, customers can benefit from ones like Good Student, which could be particularly useful for families with teen drivers, providing a substantial opportunity to save on premiums.

Average Cost of Car Insurance in El Monte

The average car insurance premium in El Monte, California stands at $1,667, which is higher than the average cost of car insurance in California at $1,562. When compared with the national average car insurance cost of $1,781, California's average represents savings of $219 annually.

While factors such as driving record, vehicle type and personal demographics play a critical role in determining car insurance rates, geographic location is a major determinant due to variances in traffic patterns, theft rates and other risk-related factors.

Locations like Glendale, which has the most expensive premium at $2,115, demonstrate the influence of urban areas with higher traffic density and associated risks. Conversely, Santa Maria boasts the cheapest premium at $1,106, highlighting how less congested areas may offer more favorable rates. This spectrum of rates within California cities underscores the significance of location in car insurance costs.

Anaheim$1,632
Antioch$1,573
Arden$1,592
Bakersfield$1,394
Berkeley$1,489
Burbank$1,968
Carlsbad$1,364
Chula Vista$1,331
Clovis$1,395
Concord$1,473
Corona$1,525
Costa Mesa$1,501
Daly City$1,712
Downey$1,749
East Los Angeles$1,800
El Cajon$1,438
El Monte$1,784
Elk Grove$1,535
Escondido$1,382
Fairfield$1,392
Fontana$1,565
Fremont$1,446
Fresno$1,442
Fullerton$1,661
Garden Grove$1,679
Glendale$2,433
Hayward$1,549
Huntington Beach$1,523
Inglewood$1,963
Irvine$1,585
Jurupa Valley$1,507
Lancaster$1,670
Long Beach$1,685
Los Angeles$2,138
Modesto$1,577
Moreno Valley$1,546
Murrieta$1,415
Norwalk$1,661
Oakland$1,657
Oceanside$1,396
Ontario$1,565
Orange$1,462
Oxnard$1,436
Palmdale$1,722
Pasadena$1,798
Pomona$1,630
Rancho Cucamonga$1,503
Rialto$1,577
Richmond$1,562
Riverside$1,543
Roseville$1,458
Sacramento$1,494
Salinas$1,346
San Bernardino$1,567
San Diego$1,349
San Francisco$1,670
San Jose$1,429
San Mateo$1,385
Santa Ana$1,577
Santa Clara$1,420
Santa Clarita$1,634
Santa Maria$1,251
Santa Rosa$1,479
Simi Valley$1,528
Stockton$1,594
Sunnyvale$1,413
Temecula$1,432
Thousand Oaks$1,589
Torrance$1,518
Vallejo$1,547
Ventura$1,341
Victorville$1,598
Visalia$1,333
Vista$1,355
West Covina$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.