Cheapest Car Insurance Quotes in South Gate

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South Gate 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 South Gate

The car insurance rate in South Gate is $1254 for a six-month policy, which is $243 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $796, making it a popular choice for budget-conscious drivers. Rates in South Gate 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 South Gate

$1254

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in South Gate

1st place: CSAA

At $796 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1009 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1068 for six months, making it the third cheapest auto insurance company in South Gate.

South Gate Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Gate, CA is CSAA, offering policies at just $796 for a six-month term. This is followed by USAA, which has an average six-month premium of $1009.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $957 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Gate drivers find the best deals.

Cheap Car Insurance Companies in South Gate, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$796	$134
USAA	$1009	$170
Mercury	$1068	$180
AAA SoCal	$1171	$200
Progressive	$1230	$207
Allstate	$1348	$227
Wawanesa	$1355	$228
AAA NorCal	$1370	$233
Auto Club	$1414	$236
State Farm	$1495	$252
AAA	$1701	$284
Kemper	$1761	$299
Farmers	$1967	$327
Capital Insurance Group	$877	$146
National General	$892	$151
State National	$906	$151
Hartford	$957	$162

Key Takeaways

Way's key takeaways about car insurance in South Gate

The auto insurance costs in South Gate fall around $796 for six months.
The cheapest auto insurance company in South Gate is CSAA.
Teen drivers pay the highest rate in South Gate at $83 per month.

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

Cheapest Minimum Liability Car Insurance in South Gate

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 South Gate are given below.

CSAA provides the cheapest minimum car insurance coverage in South Gate. Their Average 6 Month Premium is $191. 21st Century is the most expensive at $501 for the same period.

Cheapest Liability Coverage in South Gate, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$191	$32
AAA	$339	$57
USAA	$353	$60
AAA NorCal	$368	$62
AAA SoCal	$420	$72
Progressive	$428	$72
Auto Club	$434	$74
State Farm	$449	$76
Wawanesa	$456	$77
Mercury	$486	$82
Allstate	$523	$88
Farmers	$626	$104
Kemper	$346	$58
Capital Insurance Group	$376	$64
State National	$398	$68
National General	$494	$82
21st Century	$501	$86

Cheapest Full Coverage Car Insurance in South Gate

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 South Gate is CSAA at $134 per month and $796 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Gate, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$796	$134
USAA	$1009	$170
Mercury	$1068	$180
AAA SoCal	$1171	$200
Progressive	$1230	$207
Allstate	$1348	$227
Wawanesa	$1355	$228
AAA NorCal	$1370	$233
Auto Club	$1414	$236
State Farm	$1495	$252
AAA	$1701	$284
Kemper	$1761	$299
Farmers	$1967	$327
Capital Insurance Group	$877	$146
National General	$892	$151
State National	$906	$151
Hartford	$957	$162

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Average Car Insurance in South Gate 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 South Gate, CA increasing?

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

Car Insurance Premiums by Age in South Gate

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	$725
30s	Wawanesa	$585
40s	Wawanesa	$585
50s	Wawanesa	$585
60s	Wawanesa	$585
70s	Wawanesa	$573

Cheapest Car Insurance Rates for Teen Drivers in South Gate,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the South Gate at $48 per month. At $486 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$288	$48
Capital Insurance Group	$649	$108
USAA	$1546	$260
Mercury	$1569	$264
Wawanesa	$1724	$293
Progressive	$1804	$304
CSAA	$2172	$366
State Farm	$2578	$434
AAA SoCal	$2791	$475
Allstate	$2991	$503
Auto Club	$3189	$542
AAA NorCal	$4249	$708
Farmers	$4339	$738
State National	$464	$77
Marcury	$486	$83

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 South Gate.

As young drivers face the highest rates in South Gate, Wawanesa offers the cheapest auto insurance rates at $725 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.

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in South Gate

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 South Gate, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Gate

The cheapest car insurance companies after an at-fault accident in South Gate include AAA and Capital Insurance Group, offering $471 and $677, respectively. 21st Century is an expensive provider with an average six-month premium of $847.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$471	$79
Capital Insurance Group	$677	$115
CSAA	$906	$153
USAA	$1355	$228
Progressive	$1569	$264
Mercury	$1664	$283
Wawanesa	$1915	$319
AAA SoCal	$2011	$342
Auto Club	$2122	$353
Farmers	$2180	$367
State Farm	$2593	$436
AAA NorCal	$2776	$472
Allstate	$3337	$562
State National	$559	$93
Hartford	$649	$110
National General	$744	$124
Nationwide	$802	$136
21st Century	$847	$141

South Gate Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Gate CA. For example, the car insurance in South Gate after a DUI increases to $2157 for a six month policy. While the rate increases by $567 for a six-month policy in the case of a speeding ticket.

South Gate auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1348	$224
Not-at-fault accident	$1348	$229
One comp claim	$1348	$224
One Med/PIP claim	$1348	$229
Two comp claims	$1348	$224
Two Med/PIP claims	$1348	$229
At-fault accident - less than $1000	$1378	$229
Failure to show documents	$1776	$301
Driving with expired registration	$1812	$303
Driving without lights	$1812	$308
Failure to wear a seat belt	$1819	$304
Child safety restraint	$1834	$311
Speeding 11 - 15 MPH over limit	$1907	$317
Speeding 16 - 20 MPH over limit	$1907	$325
Driving too slowly	$1915	$319
Failure to stop at a red light	$1915	$326
Failure to yield	$1915	$319
Following too closely	$1915	$326
Illegal turn	$1915	$319
In 65 MPH zone	$1915	$326
Speeding 21 - 25 MPH over limit	$1915	$319
Speeding 6 - 10 MPH over limit	$1915	$326
Speeding in school zone	$1915	$319
Improper passing	$1922	$327
Cell phone violation	$1929	$321
Texting while driving	$1929	$329
Passing school bus	$1952	$325
Wrong way/wrong lane	$2283	$388
Operating a vehicle without permission	$2335	$389
At-fault accident - $1000-$2000	$2350	$399
At-fault accident - greater than $2000	$2350	$392
Open container	$2357	$401
Driving with a suspended license	$2733	$455
Reckless driving	$3329	$567
Racing	$3367	$560
Leaving scene of an accident/hit and run	$3380	$575
DUI	$3505	$584
Refusal to submit to a chemical test	$3505	$596

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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 South Gate 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 South Gate.

The cheapest car insurance premiums in South Gate are offered by AAA at $928 for a six-month policy. However, it can be as expensive as $781 with companies like Kemper.

South Gate car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$928	$157
Capital Insurance Group	$1009	$169
Mercury	$1200	$202
Progressive	$1776	$299
Wawanesa	$2158	$367
Farmers	$2290	$386
USAA	$2438	$410
CSAA	$2578	$434
AAA SoCal	$3727	$634
Auto Club	$4264	$711
AAA NorCal	$4913	$836
State Farm	$5244	$883
Allstate	$5399	$909
Travelers	$1039	$174
National General	$486	$81
Kemper	$781	$130

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 South Gate are offered by CSAA at $118. However, it can be as expensive as $559 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in South Gate after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$118	$20
Capital Insurance Group	$649	$108
Mercury	$1105	$186
USAA	$1157	$192
Progressive	$1245	$210
AAA NorCal	$1724	$288
AAA SoCal	$1849	$315
Allstate	$1901	$316
State Farm	$2011	$342
Farmers	$2784	$464
AAA	$361	$61
Kemper	$456	$78
National General	$486	$81
State National	$559	$95

Car Insurance Price Trends in South Gate, California

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

The average cost of full coverage in the South Gate rose by $238 in December compared to $236 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the South Gate rose to $67 in December, compared to $64 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in South Gate?

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

What is the cheapest car insurance in South Gate?

The cheapest car insurance in South Gate is $134 per month for full coverage.

How much is car insurance in South Gate for teenagers?

Car insurance for teenagers costs $288 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 South Gate?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $211 per month to insure your car in South Gate.

Is car insurance expensive in South Gate?

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

Cheapest Car Insurance Quotes in South Gate

Why you can trust Way?

How Much Is Car Insurance in South Gate

Avg. Car Insurance in South Gate

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in South Gate

1st place: CSAA

2nd place: USAA

3rd place: Mercury

South Gate Car Insurance Rates by Company

Cheap Car Insurance Companies in South Gate, CA

Way's key takeaways about car insurance in South Gate

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Gate

Cheapest Liability Coverage in South Gate, CA

Cheapest Full Coverage Car Insurance in South Gate

Cheapest Full Coverage Car Insurance Quotes in South Gate, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Gate by Rating Factor

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

Car Insurance Premiums by Age in South Gate

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Gate,CA

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

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 South Gate

Cheapest Car Insurance Companies after an At-Fault Accident in South Gate

South Gate Car Insurance Rates by Violation

South Gate auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Gate after a DUI

South Gate car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Gate after Speeding ticket

Car Insurance Price Trends in South Gate, California

Average Car Insurance Cost in South Gate by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Gate, CA

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

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