Cheapest Car Insurance Quotes in North El Monte

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North El Monte Car Insurance

^$ 31

/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 North El Monte

The car insurance rate in North El Monte is $1494 for a six-month policy, which is $249 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $770, making it a popular choice for budget-conscious drivers. Rates in North El Monte 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 North El Monte

$1494

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in North El Monte

1st place: CSAA

At $770 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1234 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 $1254 for six months, making it the third cheapest auto insurance company in North El Monte.

North El Monte Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North El Monte, CA is CSAA, offering policies at just $770 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1234.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North El Monte drivers find the best deals.

Cheap Car Insurance Companies in North El Monte, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$770	$130
Mercury	$1234	$208
AAA NorCal	$1254	$214
Progressive	$1254	$211
Wawanesa	$1312	$221
USAA	$1333	$224
Auto Club	$1368	$233
Allstate	$1525	$257
AAA SoCal	$1610	$274
Kemper	$1704	$284
State Farm	$1825	$307
Travelers	$2039	$340
Farmers	$2046	$348
AAA	$1646	$275

Key Takeaways

Way's key takeaways about car insurance in North El Monte

The auto insurance costs in North El Monte fall around $770 for six months.
The cheapest auto insurance company in North El Monte is CSAA.
Teen drivers pay the highest rate in North El Monte at $724 per month.

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Cheapest Minimum Liability Car Insurance in North El Monte

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 North El Monte are given below.

CSAA provides the cheapest minimum car insurance coverage in North El Monte. Their Average 6 Month Premium is $185. Travelers is the most expensive at $784 for the same period.

Cheapest Liability Coverage in North El Monte, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$185	$31
AAA NorCal	$306	$52
USAA	$349	$59
Progressive	$414	$70
Auto Club	$420	$70
Wawanesa	$442	$74
AAA	$506	$84
AAA SoCal	$514	$88
Mercury	$514	$86
State Farm	$563	$95
Allstate	$649	$109
Farmers	$698	$119
Travelers	$784	$131

Cheapest Full Coverage Car Insurance in North El Monte

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 North El Monte is CSAA at $130 per month and $770 for six months.

Cheapest Full Coverage Car Insurance Quotes in North El Monte, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$770	$130
Mercury	$1234	$208
AAA NorCal	$1254	$214
Progressive	$1254	$211
Wawanesa	$1312	$221
USAA	$1333	$224
Auto Club	$1368	$233
Allstate	$1525	$257
AAA SoCal	$1610	$274
Kemper	$1704	$284
State Farm	$1825	$307
Travelers	$2039	$340
Farmers	$2046	$348
AAA	$1646	$275

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Average Car Insurance in North El Monte 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 North El Monte, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in North El Monte, 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, North El Monte's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in North El Monte

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	$720
30s	Wawanesa	$581
40s	Wawanesa	$581
50s	Wawanesa	$581
60s	Wawanesa	$581
70s	Wawanesa	$569

Cheapest Car Insurance Rates for Teen Drivers in North El Monte,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the North El Monte at $85 per month. At $4340 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$499	$85
Capital Insurance Group	$628	$104
USAA	$1632	$275
Wawanesa	$1668	$278
Progressive	$1910	$322
Mercury	$1981	$334
CSAA	$2102	$354
Auto Club	$3086	$515
State Farm	$3150	$530
Allstate	$3664	$617
AAA SoCal	$3877	$659
AAA NorCal	$3928	$654
Travelers	$4078	$694
Farmers	$4340	$724

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 North El Monte.

As young drivers face the highest rates in North El Monte, Wawanesa offers the cheapest auto insurance rates at $720 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 North El Monte.

Car Insurance Rates with An Accident in North El Monte

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 North El Monte, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in North El Monte

The cheapest car insurance companies after an at-fault accident in North El Monte include AAA and Capital Insurance Group, offering $449 and $655, respectively. Allstate is an expensive provider with an average six-month premium of $4141.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$449	$74
Capital Insurance Group	$655	$112
CSAA	$877	$148
USAA	$1440	$242
Mercury	$1576	$265
Progressive	$1646	$277
Wawanesa	$1853	$308
Auto Club	$2053	$349
Farmers	$2245	$378
AAA NorCal	$2545	$433
AAA SoCal	$2759	$460
State Farm	$3258	$548
Travelers	$3928	$654
Allstate	$4141	$697

North El Monte Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North El Monte CA. For example, the car insurance in North El Monte after a DUI increases to $2088 for a six month policy. While the rate increases by $549 for a six-month policy in the case of a speeding ticket.

North El Monte auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1304	$217
Not-at-fault accident	$1304	$222
One comp claim	$1304	$217
One Med/PIP claim	$1304	$222
Two comp claims	$1304	$217
Two Med/PIP claims	$1304	$222
At-fault accident - less than $1000	$1333	$222
Failure to show documents	$1718	$292
Driving with expired registration	$1753	$293
Driving without lights	$1753	$298
Failure to wear a seat belt	$1760	$294
Child safety restraint	$1775	$301
Speeding 11 - 15 MPH over limit	$1846	$307
Speeding 16 - 20 MPH over limit	$1846	$314
Driving too slowly	$1853	$308
Failure to stop at a red light	$1853	$316
Failure to yield	$1853	$308
Following too closely	$1853	$316
Illegal turn	$1853	$308
In 65 MPH zone	$1853	$316
Speeding 21 - 25 MPH over limit	$1853	$308
Speeding 6 - 10 MPH over limit	$1853	$316
Speeding in school zone	$1853	$308
Improper passing	$1860	$317
Cell phone violation	$1867	$311
Texting while driving	$1867	$318
Passing school bus	$1889	$314
Wrong way/wrong lane	$2209	$376
Operating a vehicle without permission	$2260	$377
At-fault accident - $1000-$2000	$2274	$386
At-fault accident - greater than $2000	$2274	$379
Open container	$2281	$388
Driving with a suspended license	$2645	$440
Reckless driving	$3222	$548
Racing	$3258	$542
Leaving scene of an accident/hit and run	$3271	$557
DUI	$3392	$565
Refusal to submit to a chemical test	$3392	$577

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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 North El Monte 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 North El Monte.

The cheapest car insurance premiums in North El Monte are offered by Capital Insurance Group at $977 for a six-month policy. However, it can be as expensive as $898 with companies like AAA.

North El Monte car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$977	$163
Mercury	$1397	$235
Progressive	$1853	$312
Wawanesa	$2088	$355
Farmers	$2345	$395
CSAA	$2495	$420
USAA	$2573	$433
Travelers	$2922	$492
Auto Club	$4127	$688
AAA NorCal	$4512	$767
AAA SoCal	$5060	$844
State Farm	$6422	$1081
Allstate	$6544	$1102
AAA	$898	$152

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 North El Monte are offered by CSAA at $114. However, it can be as expensive as $3137 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in North El Monte after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$114	$19
Capital Insurance Group	$628	$107
Mercury	$1348	$227
USAA	$1375	$234
Progressive	$1382	$233
AAA NorCal	$1590	$270
AAA SoCal	$2202	$367
Allstate	$2794	$475
Farmers	$2909	$485
State Farm	$3108	$528
Travelers	$3137	$523

Car Insurance Price Trends in North El Monte, California

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

The average cost of full coverage in the North El Monte rose by $254 in January compared to $230 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the North El Monte rose to $73 in January, compared to $66 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 North El Monte?

The car insurance in North El Monte is $31 per month, which is lower than the national average.

What is the cheapest car insurance in North El Monte?

The cheapest car insurance in North El Monte is $130 per month for full coverage.

How much is car insurance in North El Monte for teenagers?

Car insurance for teenagers costs $499 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 North El Monte?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $251 per month to insure your car in North El Monte.

Is car insurance expensive in North El Monte?

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

Cheapest Car Insurance Quotes in North El Monte

Why you can trust Way?

How Much Is Car Insurance in North El Monte

Avg. Car Insurance in North El Monte

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in North El Monte

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

North El Monte Car Insurance Rates by Company

Cheap Car Insurance Companies in North El Monte, CA

Way's key takeaways about car insurance in North El Monte

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North El Monte

Cheapest Liability Coverage in North El Monte, CA

Cheapest Full Coverage Car Insurance in North El Monte

Cheapest Full Coverage Car Insurance Quotes in North El Monte, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North El Monte by Rating Factor

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

Car Insurance Premiums by Age in North El Monte

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North El Monte,CA

If you are in your twenties Wawanesa is the best choice for car insurance in North El Monte.

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 North El Monte

Cheapest Car Insurance Companies after an At-Fault Accident in North El Monte

North El Monte Car Insurance Rates by Violation

North El Monte auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North El Monte after a DUI

North El Monte car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North El Monte after Speeding ticket

Car Insurance Price Trends in North El Monte, California

Average Car Insurance Cost in North El Monte by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North El Monte, CA

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

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