What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Los Angeles?

The words “economical” and “insurance” really shouldn’t be used together, in particular when you are searching for the best insurance rates for drivers with a bad driving record. To help control this cost, let’s lead off by showing you some of the factors that determine insurance prices, and see if you can lower the cost of the next policy you buy.

The type of vehicle on the policy is a large factor when trying to find the cheapest car insurance for drivers with a bad driving record. Vehicles with high performance engines, a lack of modern safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models. The table below illustrates auto insurance rates for the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Los Angeles, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 4WD $7,670
Honda CR-V LX 2WD $7,991
Hyundai Elantra GLS Touring Station Wagon $8,000
Toyota Prius $8,523
Dodge Grand Caravan SE $8,672
Ford Edge Limited 2WD $8,996
Honda Odyssey EX $9,005
Chevrolet Impala LS $9,267
Toyota RAV4 Sport 4WD $9,360
Chevrolet Malibu LS $9,367
Volkswagen Jetta LE 4-Dr Sedan $9,360
Ford Focus SEL 4-Dr Sedan $9,413
Ford Explorer Limited 2WD $9,453
Toyota Tacoma X-Runner 2WD $9,502
Toyota Corolla S $9,866
GMC Sierra SLE Regular Cab 4WD $9,886
Chevrolet Silverado 2500HD LT Crew Cab 4WD $9,891
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Prices based on single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific location information which can revise insurance rates greatly.

Based upon the table data, we can presume that vehicles like the Ford Escape, Honda CR-V, and Hyundai Elantra are going to be some of the more affordable vehicles to insure for bad drivers. The price of auto insurance will be more costly just because there is more inherent risk for drivers with a bad driving record, but generally speaking those makes and models will most likely have the lowest insurance rates that you’ll find.

Finding out which company offers the cheapest auto insurance rates for drivers with a bad driving record involves a tad more effort in order to find the lowest price quote. Each auto insurer uses a slightly different approach for determining prices, so we’ll go over the auto insurance companies with the overall cheapest rates in Los Angeles, CA.

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 Century National $1,190
4 Nationwide $1,213
5 CSAA $1,234
6 21st Century $1,338
7 Mercury $1,488
8 Grange $1,491
9 GEICO $1,529
10 Allied $1,541
11 Progressive $1,542
12 Allstate $1,543
13 The Hartford $1,623
14 MetLife $1,654
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,699
18 Travelers $1,788
19 Bristol West $1,795
20 Farmers $1,946
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USAA has some of the cheapest car insurance rates in Los Angeles at around $1,121 annually. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the more affordable Los Angeles, CA car insurance companies.

As the rates illustrate above, if you currently have coverage with CSAA and switched to Wawanesa, you could see an annual savings of approximately $53. California drivers with 21st Century might save as much as $157 a year, and Mercury insureds might lower prices by $307 a year.

Bear in mind that those premium estimates are averaged for all drivers and vehicles in California and do not take into consideration an exact location for drivers with a bad driving record. So the car insurance company that is best for you may not even be in the top 24 companies shown above. That illustrates why you need to compare as many prices as possible using your own driver and vehicle profiles.

One of the many considerations that are looked at to determine the amount you pay for auto insurance is where you live. Areas with more people or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.

The next table ranks the most expensive places in California for drivers with a bad driving record in which to buy car insurance. Los Angeles ranks #1 with an annual premium of $2,083 for the average insured, which is approximately $174 each month.

How much does auto insurance cost in Los Angeles?
Rank City Annual Premium
1 Los Angeles $2,083
2 Glendale $2,079
3 Oakland $1,704
4 San Francisco $1,693
5 Sacramento $1,669
6 San Bernardino $1,628
7 Stockton $1,588
8 Santa Clarita $1,580
9 Garden Grove $1,570
10 Long Beach $1,562
11 Modesto $1,547
12 Fontana $1,535
13 Santa Ana $1,497
14 Riverside $1,497
15 Moreno Valley $1,491
16 Anaheim $1,488
17 Fresno $1,457
18 San Jose $1,437
19 Irvine $1,384
20 Bakersfield $1,381
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Rates are comparative as the garaging address in Los Angeles can decrease or increase coverage rates significantly.

Get discounts on Los Angeles insurance rates

Save on auto insurance for bad drivers in Los AngelesInsurers that offer quotes for drivers with a bad driving record may additionally offer special discounts that can reduce rates by as much as 25% or more if you qualify. The best auto insurance companies and the discounts they provide can be found below.

The illustration below illustrates the difference between insurance costs with and without policy discounts. The prices are based on a female driver, one accident and two traffic tickets, California state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, paid-in-full, paperless filing, anti-theft, multiple vehicle, and vehicle safety discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for drivers with a bad driving record is 28% or $929.

California auto insurance company ratings

Choosing the highest-rated auto insurance provider can be difficult considering how many different insurance companies sell coverage in California. The company information in the lists below may help you analyze which car insurance companies you want to consider buying from.

These rankings only include large, nationwide insurance companies, so companies without a large exposure are not factored into the list. To view rates from these top-rated insurers and more, just click here.

Top Auto Insurance Companies for Drivers with a Bad Driving Record in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Chances are good that you’re overpaying for Los Angeles car insurance

California auto insurance rates are influenced by many factors that will increase or decrease the price you pay. Simply improving your credit, becoming a homeowner, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being more affordable than others. Not only may things change on your end, but insurers change premium rates without warning to adjust for heavy claims or excess profits. A period of higher than normal claims can cause additional premium costs, while profitable underwriting may result in lower-priced Los Angeles car insurance rates.

The bar chart below shows which company has the cheapest car insurance in Los Angeles, CA for a 35-year-old male driver with a clear driving record, no claims, and a good credit history. If we estimate prices based on his personal profile, USAA might quote the most affordable car insurance rates in Los Angeles at $1,909 annually. This is $258 more than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining most affordable Los Angeles, CA auto insurance companies.

Now we will pretend the driver from the above example a couple of claims, a lower credit rating, and a traffic citation. Because every insurance company uses their own formula to set their prices, comparing quotes will most likely result in a different ranking of the cheapest companies as shown below.

Grange now has the cheapest auto insurance in Los Angeles with Mercury, Progressive, GEICO, and Allied now rounding out the top five. This example demonstrates why it is crucial to compare rates to get the best car insurance quotes for drivers with a bad driving record.

Prices can be determined by many risk factors and can decrease or increase without notice, so the most economical company the last time you compared rates may now be quite expensive.