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Get Cheap Car Insurance in North El Monte, Arcadia, CA

We monitor insurance prices, helping the average driver in North El Monte save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in North El Monte

The chart below shows the cheapest car insurance company in North El Monte for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
North El Monte Insurer Monthly Cost
Metromile $59
Geico $67
Progressive $72
Travelers $74

Savings for Every Kind of North El Monte Driver

The table shows how much the average auto insurance customer in North El Monte might save by following our recommendations.

Based on our extensive insurance data, we know the average North El Monte driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $754 per year by choosing the right vehicle insurance company. Some North El Monte residents are paying out over $2,357 extra every year for auto insurance in North El Monte. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
North El Monte, Arcadia, CA Savings / Yr.
Drivers with good records
$754
Drivers with accidents
$1,381
Drivers with speeding tickets
$1,092
Drivers with a DUI conviction
$1,918
Young drivers
$985
Married drivers
$427
Drivers with bad credit
$0

North El Monte Car Insurance vs. Arcadia

People living in North El Monte pay an average of 17.40% more than the typical driver in the state. The average driver in North El Monte can expect to pay about $1,104 per year, or $2,357 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in North El Monte for most people.

Car Insurance Prices by North El Monte Neighborhood

North El Monte, Arcadia, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within North El Monte?

The map shows insurance prices in and around North El Monte, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $186 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,444 to a low of $2,258. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of North El Monte.

Pick the Best Car Insurance Company for You in North El Monte

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the North El Monte insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in North El Monte

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $754 over the average North El Monte car insurance company.

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We use the average good driver, paying $134 per month, as our baseline for pricing in North El Monte. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for North El Monte drivers with accidents on their records

In North El Monte getting into an accident will raise premiums an average 44% for a yearly cost of $4,239. That's $1,882 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,381 over the competition.

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The best car insurance company for North El Monte drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $1,092 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In North El Monte, tickets raise premiums on new quotes about $1,196. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,554 per year.

The best auto insurance for North El Monte drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,970 per year in auto insurance premiums, which was $3,612 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,918 less each year.

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The least expensive car insurance company for new and young drivers in North El Monte

In North El Monte, State Farm costs young drivers $985 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in North El Monte. With an average cost of $6,255 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in North El Monte

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $234. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in North El Monte.

Progressive gave the largest car insurance discounts to married couples, averaging $427 saved each year compared to an average North El Monte couple's premiums.

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The cheapest car insurance in North El Monte for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best North El Monte car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In North El Monte, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in North El Monte.

Nationwide was the best company for customer service in North El Monte according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in North El Monte, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in North El Monte. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in North El Monte

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 39% of North El Monte residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average North El Monte driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North El Monte, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around North El Monte

What Influences the Cost of Car Insurance in North El Monte?

On average, car insurance in North El Monte is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in North El Monte is 40 minutes, which is a little more than average for a driver in the city.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in North El Monte are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • North El Monte is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in North El Monte is $92 per month for minimum coverage and $196 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average North El Monte driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North El Monte with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.