Wouldn’t it be so easy if you could just magically know the single best company that has the cheapest rate quotes for drivers with accidents? It’s just not that easy, however, as there are a lot of unknown elements such as whether you just need liability insurance, the annual mileage you drive, and any tickets or violations, that all help calculate your car insurance rates. In this article, we will teach you about these types of topics and educate you enough to have a good start to your coverage search.
The make and model of vehicle that is being insured is one of the biggest factors when comparing quotes for the most affordable coverage for drivers with accidents. Vehicles with average performance, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The next table showcases insurance rates for the cheaper automobiles to insure in California.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $4,524 |
| Ford Escape Limited 4WD | $4,858 |
| Toyota Tacoma 4WD | $5,088 |
| Ford F-150 STX Super Cab 4WD | $5,144 |
| Toyota Prius | $5,266 |
| Toyota RAV4 Sport 2WD | $5,366 |
| Chevrolet Impala LT | $5,371 |
| Toyota Camry LE | $5,366 |
| Volkswagen Jetta S 2.5 Station Wagon | $5,397 |
| Chevrolet Equinox LS 2WD | $5,743 |
| Dodge Grand Caravan Crew | $5,805 |
| Ford Explorer Eddie Bauer AWD | $5,812 |
| Dodge Ram 3500 Crew Cab ST 2WD | $5,814 |
| Ford F-350 Super Cab Harley Edition 2WD | $5,822 |
| Ford Edge SE AWD | $5,874 |
| Jeep Grand Cherokee Laredo 2WD | $5,942 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $5,989 |
| Chevrolet Malibu LT | $6,014 |
| Ford Focus SES 2-Dr Coupe | $6,082 |
| Nissan Altima 2.5 S 2-Dr Coupe | $6,138 |
| Chevrolet Silverado LTZ Extended Cab 2WD | $6,144 |
| Nissan Rogue SL 2WD | $6,207 |
| Hyundai Elantra GLS 4-Dr Sedan | $6,254 |
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Premium data assumes single female driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Table data does not factor in vehicle garaging location which can revise rates substantially.
Looking at the numbers, cars like the Honda CR-V, Ford Escape, Toyota Tacoma, Ford F-150, and Toyota Prius are a few of the less-costly vehicles to insure for drivers with at-fault accidents. Car insurance rates will be more costly just due to the fact that there is more claim exposure for drivers with accidents, but generally speaking those particular vehicles will tend to have the lowest prices possible.
Deciphering which company quotes the most affordable insurance rates for drivers with accidents will require more work in order to find the best price. Each insurance company used slightly different criteria for establishing rates, so we’ll take a look at the insurance companies with the overall cheapest rates in Los Angeles, CA.
Find the Best Cheap Insurance for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Allied | $1,541 |
| 10 | Progressive | $1,542 |
| 11 | Mercury | $1,548 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,946 |
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USAA normally has some of the lowest car insurance rates in Los Angeles at around $1,109 annually. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheapest Los Angeles, CA car insurance companies.
In this example, if you are a customer of Century National and switched to USAA, you could realize a yearly price reduction of upwards of $81. Drivers with CSAA may save as much as $89 a year, and Nationwide customers might cut rates by $104 a year.
Be aware that those premiums are averaged across all insureds and vehicles and and are not figured with an exact vehicle garaging location for drivers with accidents. So the auto insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
For drivers with at-fault accidents, one of the largest considerations that are looked at to help calculate the cost of insurance is where you live in Los Angeles. Areas with increased crime or more people tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.
The table below sorts the highest-priced areas in California for drivers with accidents to buy an auto insurance policy in. Los Angeles comes in at #2 having an annual price of $2,104 for the average policyholder, which is approximately $175 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Stockton | $1,556 |
| 12 | Modesto | $1,547 |
| 13 | Riverside | $1,542 |
| 14 | Moreno Valley | $1,536 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,395 |
| 20 | Huntington Beach | $1,360 |
| 21 | Oxnard | $1,358 |
| 22 | Bakersfield | $1,353 |
| 23 | San Diego | $1,340 |
| 24 | Irvine | $1,330 |
| 25 | Chula Vista | $1,298 |
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Rates are approximated as the specific area where the vehicle is garaged can change coverage prices significantly.
Discount Los Angeles insurance
Car insurance companies that provide coverage for drivers with accidents may also provide premium discounts that could potentially reduce rates by 25% or more if you are eligible to receive them. Larger insurance companies and some of their more popular discounts are included below.
- State Farm may include discounts for defensive driving training, safe vehicle, good student, Steer Clear safe driver discount, and passive restraint.
- Liberty Mutual offers discounts including newly married, multi-policy, safety features, exclusive group savings, newly retired, and new move discount.
- American Family may offer discounts for good student, good driver, bundled insurance, early bird, air bags, TimeAway discount, and multi-vehicle.
- Progressive discounts include multi-vehicle, online signing, continuous coverage, multi-policy, and online quote discount.
- Farmers Insurance includes discounts for early shopping, teen driver, youthful driver, homeowner, and good student.
- Auto-Owners Insurance policyholders can earn discounts including air bags, multi-policy, student away at school, group or association, teen driver, and multiple vehicles.
- SAFECO offers premium reductions for teen safe driver, safe driver, bundle discounts, drive less, and homeowner.
The chart below illustrates the comparison of car insurance rates with and without discounts applied to the rates. The data assumes a female driver, two accidents and no citations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, paid-in-full, homeowner, multiple policy, marriage, and multiple vehicle discounts applied. When discounts are applied, theamount saved on insurance for drivers with accidents is 28% or $1,129.
How accidents and tickets impact rates
The easiest method to score the best insurance rates in Los Angeles for drivers with at-fault accidents is to be a safe driver and not have accidents or get tickets. The diagram below demonstrates how speeding tickets and at-fault fender-benders can impact insurance costs for different ages of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of car insurance per year with a clean driving record and no accidents is $2,772. Receive two speeding tickets and the average cost hikes up to $3,666, an increase of $894 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for drivers with accidents jumps again to an average of $7,186. That’s an increase of $4,414, or $368 per month, just for not being more responsible behind the wheel!
Are you paying too much for car insurance in Los Angeles?
California insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Simply having another birthday, increasing deductibles, or having a fender bender can trigger changes in premium that can cause some rates to be more affordable than before. Additionally, auto insurance companies change prices at least once a year as an adjustment for underwriting gains or losses. A period of higher than normal claims can cause higher rates, while profitable underwriting may produce cheaper Los Angeles car insurance rates.
For example, the graph below shows the company with the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with a good driving record, no prior claims, and a good credit history. If we compare prices based on her current situation, USAA quotes the best car insurance rates in Los Angeles at $1,781 annually. This is $130 more than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the most affordable Los Angeles, CA auto insurance companies.
In this example, we will give the driver from the first set of rates a claim surcharge, less-than-perfect credit, and an imperfect driving record. Since each auto insurer has a different formula for determining rates, comparing quotes will most likely result in a completely different list of the cheapest companies as shown below.
Grange now has the cheapest insurance rate in Los Angeles with Mercury, Progressive, GEICO, and Allied now being in the top five. This example proves why consumers need to perform a complete rate comparison when trying to get the most economical auto insurance rates for drivers with accidents.
Insurance rates are calculated by many things and can decrease or increase without notice, so the lowest-price company the last time you compared rates may now be priced much higher than other options.
The insurance agencies below are willing to aid you in deciding which coverage meets your needs best, as lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping around for cheaper insurance for drivers with at-fault accidents. It’s not always simple to do it yourself, so getting professional guidance from a licensed agent can give you peace of mind knowing you have adequate coverage if you have an accident or claim.
To find an agent closest to you, click the button link following the list or click here to compare price quotes now.
- State Farm: Pogos Ichmelyan
750 Colorado Blvd – Los Angeles, CA 90041 – (323) 257-1107 - Patricia Aleman – State Farm Insurance Agent
3222 Glendale Blvd b – Los Angeles, CA 90039 – (323) 644-0900 - Terza West-Dantzler – State Farm Insurance Agent
875 N Gower St – Los Angeles, CA 90038 – (323) 462-1096 - Shomer Insurance Agency
4221 Wilshire Blvd #222 – Los Angeles, CA 90010 – (323) 934-8160 - Lisa Brown – State Farm Insurance Agent
1247 S La Brea Ave – Los Angeles, CA 90019 – (323) 954-9763