Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in El Monte is 504.
  • The cheapest car insurance company in El Monte for teen drivers is USAA
  • The cheapest car insurance company in El Monte after a DUI is Liberty Mutual

Average car insurance rates in El Monte, California are $360 a month. But with a little research you can get a great deal from the top car insurance companies in El Monte, CA. Before you buy El Monte, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare El Monte car insurance rates with San Francisco car insurance rates, Fresno car insurance rates, or San Jose car insurance rates to make sure you’re getting the best El Monte, CA car insurance quotes available.

Need affordable El Monte, CA car insurance? Enter your ZIP code to compare El Monte car insurance quotes from multiple car insurance companies near you.

El Monte, CA Minimum Car Insurance Coverage

El Monte, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in El Monte, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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El Monte, CA Car Insurance Rates by Coverage Level

Some El Monte drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your El Monte, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in El Monte, California

Insurance Company Low Medium High
Allstate $5,087 $5,447 $5,657
Farmers $5,556 $6,061 $6,410
GEICO $2,986 $3,367 $3,628
Liberty Mutual $3,073 $3,363 $3,558
Nationwide $5,073 $5,812 $6,242
Progressive $2,855 $3,299 $3,443
State Farm $4,581 $5,169 $5,500
Travelers $3,429 $4,078 $4,397
USAA $2,597 $2,919 $3,075

El Monte, CA Car Insurance Rates by Age, Gender, and Marital Status

El Monte, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy El Monte, CA car insurance, get quotes from multiple car insurance companies in the El Monte area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in El Monte, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,455 $3,445 $2,515 $2,530 $9,759 $12,258 $4,406 $4,806
Farmers $3,265 $3,265 $2,967 $2,967 $10,431 $16,982 $3,874 $4,320
GEICO $2,057 $2,057 $1,933 $1,933 $6,280 $6,382 $2,957 $3,018
Liberty Mutual $2,531 $2,382 $2,367 $2,287 $5,482 $5,883 $2,837 $2,881
Nationwide $3,998 $3,811 $3,512 $3,304 $10,249 $11,330 $4,769 $4,699
Progressive $2,000 $2,057 $1,702 $2,020 $5,360 $6,455 $2,892 $3,108
State Farm $3,996 $3,996 $3,574 $3,574 $7,384 $9,153 $4,425 $4,565
Travelers $2,930 $2,830 $2,586 $2,559 $6,191 $7,062 $3,842 $3,745
USAA $2,045 $1,937 $1,994 $2,002 $4,694 $4,721 $2,835 $2,679

El Monte, CA Car Insurance Rates for Teens

How much is El Monte, California car insurance for teens? Compare rates from top El Monte car insurance companies below to help find the cheapest teen car insurance in El Monte, CA.

Annual Car Insurance Rates for Teen Drivers in El Monte, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,759 $12,258
Farmers $10,431 $16,982
GEICO $6,280 $6,382
Liberty Mutual $5,482 $5,883
Nationwide $10,249 $11,330
Progressive $5,360 $6,455
State Farm $7,384 $9,153
Travelers $6,191 $7,062
USAA $4,694 $4,721

El Monte, CA Car Insurance Rates for Seniors

Before seniors buy El Monte, California car insurance, they should make sure to shop around. Some El Monte, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in El Monte, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,515 $2,530
Farmers $2,967 $2,967
GEICO $1,933 $1,933
Liberty Mutual $2,367 $2,287
Nationwide $3,512 $3,304
Progressive $1,702 $2,020
State Farm $3,574 $3,574
Travelers $2,586 $2,559
USAA $1,994 $2,002

El Monte, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your El Monte, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in El Monte.

Annual El Monte, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,244 $5,469 $8,612 $4,262
Farmers $4,448 $6,054 $7,527 $6,007
GEICO $2,323 $3,600 $4,502 $2,882
Liberty Mutual $2,892 $3,871 $3,497 $3,065
Nationwide $3,976 $5,105 $8,650 $5,105
Progressive $2,090 $3,561 $4,129 $3,016
State Farm $3,629 $4,327 $8,166 $4,211
Travelers $2,610 $4,339 $5,025 $3,898
USAA $1,900 $2,833 $4,638 $2,082

El Monte, CA Car Insurance Rates With a DUI

Even a single DUI can increase your El Monte, CA car insurance rates. Compare rates below to see which El Monte car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in El Monte, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,612
Farmers $7,527
GEICO $4,502
Liberty Mutual $3,497
Nationwide $8,650
Progressive $4,129
State Farm $8,166
Travelers $5,025
USAA $4,638

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El Monte, CA Car Insurance Rates by ZIP Code

Just like El Monte car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how El Monte, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in El Monte, California

ZIP Code Average Annual Rates
91731 $5,950
91732 $5,945
91733 $5,869

El Monte, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your El Monte, CA car insurance rates may be. Let’s take a look at average car insurance rates from top El Monte companies based on commute time.

Annual Car Insurance Rates by Commute Length in El Monte, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,863 $5,930
Farmers $5,450 $6,568
GEICO $3,022 $3,632
Liberty Mutual $3,056 $3,607
Nationwide $5,034 $6,384
Progressive $2,901 $3,497
State Farm $4,899 $5,268
Travelers $3,564 $4,372
USAA $2,638 $3,089

El Monte, CA Cheapest Car Insurance Rates

How do the top El Monte, California car insurance companies’ average rates stack up against the El Monte average monthly car insurance rates of $360? Take a look and see.

Best Annual Car Insurance Rates by Company in El Monte, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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El Monte, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top El Monte, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in El Monte, California

Insurance Company Average Annual Rates
Allstate $5,397
Farmers $6,009
GEICO $3,327
Liberty Mutual $3,331
Nationwide $5,709
Progressive $3,199
State Farm $5,083
Travelers $3,968
USAA $2,863

Other Factors Affecting El Monte, CA Car Insurance Rates

Before you buy El Monte, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

El Monte, CA Car Theft Rates

The car theft rate in El Monte, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for El Monte, California is 504 stolen cars.

El Monte, CA Commute Time

How does your El Monte, CA commute time compare with the average driver? In El Monte, the average commute is 28.9 minutes.

El Monte, CA Car Insurance Quotes

Compare El Monte, CA car insurance quotes from multiple companies by entering your ZIP code now.