You have probably seen the catchy commercials from auto insurance companies like Liberty Mutual, Farmers, and The General that promise the cheapest price, so you just need to pick the company with the catchiest ad, right?
It’s not quite that easy, unfortunately, as there are a whole bunch of unknown elements like if you are a good driver, whether you are married or single, and what physical damage coverage deductibles you want, that all have an effect on the price. In this article, we will cover the best ways to avoid high prices and will hopefully give you a good beginning to your quest for cheaper car insurance in California.
One of the more important considerations that are used to help calculate insurance cost is where you keep your vehicle in Los Angeles. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The information below sorts the highest-priced areas in California for immigrants to purchase a policy in. Los Angeles shows up at #1 with an annual premium of $2,146 on average, which is around $179 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,580 |
| 9 | Stockton | $1,541 |
| 10 | Moreno Valley | $1,536 |
| 11 | Fontana | $1,519 |
| 12 | Garden Grove | $1,508 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,497 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,457 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,381 |
| 19 | Bakersfield | $1,381 |
| 20 | Huntington Beach | $1,374 |
| Find Cheaper Rates Go | ||
Premium costs are estimated as the specific garaging location can modify price quotes considerably.
Locating low-priced insurance is not the easiest thing to do, and figuring out which insurers offer the cheapest insurance rates for immigrants takes more quotes for comparison. Every car insurance company has a different process for filing rates in each state, so let’s take a look at the insurance companies with the overall best prices in California.
Best Insurance Companies for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,222 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,529 |
| 11 | Progressive | $1,558 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,966 |
| Find Cheaper Rates Go | ||
USAA generally has some of the best car insurance rates in Los Angeles at around $1,109 annually. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also are some of the cheaper Los Angeles, CA insurance companies.
As shown in the table above, if you are insured with Wawanesa and switched to USAA, you might see a yearly price reduction of upwards of $48. California drivers with CSAA might save as much as $113 a year, and Nationwide insureds might cut rates by $117 a year.
To find out how your current rates compare, click here or click through to the companies below.
Bear in mind that those rates are averaged across all ages of drivers and types of vehicles and and are not calculated with a vehicle location for immigrants. So the insurer that can offer you the best price may not even be in the top 24 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.
The vehicle model that is being insured is a significant factor when shopping around for cheaper car insurance for immigrants. Vehicles with higher performance characteristics, a lack of modern safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.
The next table features insurance rates for a number of the more affordable vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta S 2.5 Station Wagon | $2,118 |
| Ford F-150 FX2 Super Cab 2WD | $2,191 |
| Honda Accord EX 4-Dr Sedan | $2,239 |
| Chevrolet Malibu LT | $2,356 |
| Honda CR-V LX 2WD | $2,391 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $2,396 |
| Ford Escape XLT 4WD | $2,448 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $2,477 |
| Jeep Grand Cherokee Limited 2WD | $2,482 |
| GMC Sierra SLT Extended Cab 2WD | $2,477 |
| Ford Explorer XLT AWD | $2,505 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $2,521 |
| Honda Odyssey EX | $2,594 |
| Ford Edge Limited 2WD | $2,600 |
| Toyota RAV4 Limited 4WD | $2,641 |
| Toyota Prius | $2,657 |
| Hyundai Elantra Blue 4-Dr Sedan | $2,733 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in specific location information which can increase or decrease price quotes significantly.
Based upon the table data, cars like the Volkswagen Jetta, Ford F-150, Honda Accord, Chevrolet Malibu, and Honda CR-V are likely to be some of the more affordable vehicles to insure for foreigners.
Get discounts on Los Angeles insurance rates
Car insurance companies that offer coverage for immigrants may additionally offer price discounts that could lower prices by 35% or more if you meet the requirements. Popular insurance companies and their possible discounts are included below.
- State Farm may include discounts for multiple autos, multiple policy, student away at school, passive restraint, and Drive Safe & Save.
- American Family policyholders can earn discounts including air bags, good driver, accident-free, TimeAway discount, defensive driver, and mySafetyValet.
- GEICO offers discounts including five-year accident-free, military active duty, multi-vehicle, air bags, federal employee, good student, and emergency military deployment.
- 21st Century may have discounts that include anti-lock brakes, early bird, homeowners, theft prevention, and driver training.
- Progressive includes discounts for online quote discount, multi-vehicle, homeowner, online signing, and multi-policy.
The information below shows the comparison of car insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, defensive driving course, anti-theft, claim-free, multiple policy, and vehicle safety discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for immigrants is 28% or $747.
Buying coverage from the highest-rated insurer can be difficult considering how many different insurance companies sell coverage in California. The company rank data in the lists below may help you pick which auto insurers to look at when buying insurance for immigrants.
The ratings below are only made up of companies with a nationwide focus, so companies that may only write in California will not be included in the list. If you’d like to compare prices from these companies and more, just click here.
Top 10 Large Auto Insurance Companies in Los Angeles Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Large Auto Insurance Companies in Los Angeles Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Why you are probably overpaying for car insurance
Los Angeles, CA insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Improving your credit rating, moving to a different location, or getting a couple of tickets can trigger price changes resulting in some companies being cheaper in comparison to the competition.
Not only may your risk profile change, but auto insurance companies file new California auto insurance rates as often as every quarter in order to remain profitable. A period of increased losses can result in price increases, while a better claims history may cause lower-cost Los Angeles car insurance rates.
For example, the chart below shows the company with the cheapest car insurance in Los Angeles, CA for a 45-year-old male driver with a good driving record, no prior claims, and excellent credit. If we estimate prices based on his current risk profile, USAA may offer the lowest car insurance rates in Los Angeles at $1,831 per year. This is $180 more than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the cheapest Los Angeles, CA auto insurance companies.
Now we will pretend the driver from above a claim, less-than-perfect credit, and a blemish on his driving record. Since each company uses their own method to determine rates, analyzing rate quotes will most likely result in a substantially altered list of cheap Los Angeles auto insurance companies as shown below.
Grange now has the best auto insurance rate in Los Angeles with Allstate, GEICO, Progressive, and Mercury now being in the top five. This example shows why it is critical to compare rates when trying to get the most budget-friendly car insurance quotes for immigrants.
Auto insurance prices are determined by many things and can decrease or increase without notice, so the best price the last time you compared rates may now be one of the higher cost companies.