Cheapest Car Insurance Quotes in Montebello

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Montebello Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Montebello

The car insurance rate in Montebello is $1519 for a six-month policy, which is $274 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $783, making it a popular choice for budget-conscious drivers. Rates in Montebello can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Montebello

$1519

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Montebello

1st place: CSAA

At $783 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1254 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1275 for six months, making it the third cheapest auto insurance company in Montebello.

Montebello Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montebello, CA is CSAA, offering policies at just $783 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1254.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1674 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montebello drivers find the best deals.

Cheap Car Insurance Companies in Montebello, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$783	$132
Mercury	$1254	$211
AAA NorCal	$1275	$217
Progressive	$1275	$215
Wawanesa	$1333	$224
USAA	$1355	$228
Auto Club	$1391	$237
Allstate	$1551	$261
AAA SoCal	$1637	$278
Kemper	$1732	$289
State Farm	$1856	$312
Travelers	$2073	$345
Farmers	$2080	$354
AAA	$1674	$279

Key Takeaways

Way's key takeaways about car insurance in Montebello

The auto insurance costs in Montebello fall around $783 for six months.
The cheapest auto insurance company in Montebello is CSAA.
Teen drivers pay the highest rate in Montebello at $736 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Montebello

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Montebello are given below.

CSAA provides the cheapest minimum car insurance coverage in Montebello. Their Average 6 Month Premium is $188. Travelers is the most expensive at $797 for the same period.

Cheapest Liability Coverage in Montebello, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$188	$32
AAA NorCal	$311	$52
USAA	$355	$60
Progressive	$421	$71
Auto Club	$427	$71
Wawanesa	$449	$76
AAA	$515	$85
AAA SoCal	$522	$89
Mercury	$522	$88
State Farm	$572	$96
Allstate	$660	$111
Farmers	$710	$121
Travelers	$797	$133

Cheapest Full Coverage Car Insurance in Montebello

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Montebello is CSAA at $132 per month and $783 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montebello, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$783	$132
Mercury	$1254	$211
AAA NorCal	$1275	$217
Progressive	$1275	$215
Wawanesa	$1333	$224
USAA	$1355	$228
Auto Club	$1391	$237
Allstate	$1551	$261
AAA SoCal	$1637	$278
Kemper	$1732	$289
State Farm	$1856	$312
Travelers	$2073	$345
Farmers	$2080	$354
AAA	$1674	$279

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Average Car Insurance in Montebello by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Montebello, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Montebello, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Montebello's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Montebello

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$732
30s	Wawanesa	$590
40s	Wawanesa	$590
50s	Wawanesa	$590
60s	Wawanesa	$590
70s	Wawanesa	$578

Cheapest Car Insurance Rates for Teen Drivers in Montebello,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Montebello at $87 per month. At $4413 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$508	$87
Capital Insurance Group	$638	$106
USAA	$1659	$279
Wawanesa	$1696	$283
Progressive	$1942	$327
Mercury	$2014	$339
CSAA	$2137	$360
Auto Club	$3138	$523
State Farm	$3203	$539
Allstate	$3725	$627
AAA SoCal	$3942	$670
AAA NorCal	$3993	$665
Travelers	$4146	$705
Farmers	$4413	$736

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Montebello.

As young drivers face the highest rates in Montebello, Wawanesa offers the cheapest auto insurance rates at $732 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Montebello.

Car Insurance Rates with An Accident in Montebello

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Montebello, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Montebello

The cheapest car insurance companies after an at-fault accident in Montebello include AAA and Capital Insurance Group, offering $456 and $666, respectively. Allstate is an expensive provider with an average six-month premium of $4210.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$456	$76
Capital Insurance Group	$666	$113
CSAA	$892	$150
USAA	$1464	$246
Mercury	$1602	$270
Progressive	$1674	$282
Wawanesa	$1884	$314
Auto Club	$2087	$355
Farmers	$2283	$384
AAA NorCal	$2588	$440
AAA SoCal	$2805	$467
State Farm	$3312	$558
Travelers	$3993	$665
Allstate	$4210	$709

Montebello Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montebello CA. For example, the car insurance in Montebello after a DUI increases to $2123 for a six month policy. While the rate increases by $558 for a six-month policy in the case of a speeding ticket.

Montebello auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1326	$221
Not-at-fault accident	$1326	$226
One comp claim	$1326	$221
One Med/PIP claim	$1326	$226
Two comp claims	$1326	$221
Two Med/PIP claims	$1326	$226
At-fault accident - less than $1000	$1355	$226
Failure to show documents	$1747	$296
Driving with expired registration	$1782	$298
Driving without lights	$1782	$303
Failure to wear a seat belt	$1790	$299
Child safety restraint	$1804	$306
Speeding 11 - 15 MPH over limit	$1876	$312
Speeding 16 - 20 MPH over limit	$1876	$320
Driving too slowly	$1884	$314
Failure to stop at a red light	$1884	$321
Failure to yield	$1884	$314
Following too closely	$1884	$321
Illegal turn	$1884	$314
In 65 MPH zone	$1884	$321
Speeding 21 - 25 MPH over limit	$1884	$314
Speeding 6 - 10 MPH over limit	$1884	$321
Speeding in school zone	$1884	$314
Improper passing	$1891	$322
Cell phone violation	$1898	$316
Texting while driving	$1898	$323
Passing school bus	$1920	$320
Wrong way/wrong lane	$2246	$382
Operating a vehicle without permission	$2297	$383
At-fault accident - $1000-$2000	$2312	$393
At-fault accident - greater than $2000	$2312	$386
Open container	$2319	$394
Driving with a suspended license	$2689	$448
Reckless driving	$3276	$558
Racing	$3312	$551
Leaving scene of an accident/hit and run	$3326	$566
DUI	$3449	$575
Refusal to submit to a chemical test	$3449	$587

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Montebello after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Montebello.

The cheapest car insurance premiums in Montebello are offered by Capital Insurance Group at $993 for a six-month policy. However, it can be as expensive as $913 with companies like AAA.

Montebello car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$993	$166
Mercury	$1420	$239
Progressive	$1884	$317
Wawanesa	$2123	$361
Farmers	$2384	$401
CSAA	$2536	$427
USAA	$2616	$440
Travelers	$2971	$500
Auto Club	$4196	$699
AAA NorCal	$4587	$780
AAA SoCal	$5145	$858
State Farm	$6529	$1099
Allstate	$6653	$1120
AAA	$913	$155

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Montebello are offered by CSAA at $116. However, it can be as expensive as $3189 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Montebello after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$116	$20
Capital Insurance Group	$638	$109
Mercury	$1370	$231
USAA	$1398	$238
Progressive	$1405	$237
AAA NorCal	$1617	$275
AAA SoCal	$2239	$373
Allstate	$2840	$483
Farmers	$2957	$493
State Farm	$3160	$537
Travelers	$3189	$532

Car Insurance Price Trends in Montebello, California

Car insurance rates in Montebello have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Montebello rose by $259 in January compared to $234 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Montebello rose to $74 in January, compared to $67 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Montebello?

The car insurance in Montebello is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Montebello?

The cheapest car insurance in Montebello is $132 per month for full coverage.

How much is car insurance in Montebello for teenagers?

Car insurance for teenagers costs $508 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Montebello?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $255 per month to insure your car in Montebello.

Is car insurance expensive in Montebello?

Car insurance can be expensive in Montebello if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Montebello can be affordable.

Cheapest Car Insurance Quotes in Montebello

Why you can trust Way?

How Much Is Car Insurance in Montebello

Avg. Car Insurance in Montebello

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Montebello

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Montebello Car Insurance Rates by Company

Cheap Car Insurance Companies in Montebello, CA

Way's key takeaways about car insurance in Montebello

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Montebello

Cheapest Liability Coverage in Montebello, CA

Cheapest Full Coverage Car Insurance in Montebello

Cheapest Full Coverage Car Insurance Quotes in Montebello, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Montebello by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Montebello, CA increasing?

Car Insurance Premiums by Age in Montebello

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Montebello,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Montebello.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Montebello

Cheapest Car Insurance Companies after an At-Fault Accident in Montebello

Montebello Car Insurance Rates by Violation

Montebello auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Montebello after a DUI

Montebello car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Montebello after Speeding ticket

Car Insurance Price Trends in Montebello, California

Average Car Insurance Cost in Montebello by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Montebello, CA

Car Insurance Rates by State in the USA (2025 Update)

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