What Car Insurance is Cheapest for Teachers in Los Angeles?

For teachers and educators, one of the big criteria that are looked at to determine the cost of insurance is the neighborhood you call home. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The next table ranks the most expensive places in California for teachers to buy auto insurance in. Los Angeles ranks #1 costing $2,168 for the average policyholder, which is around $181 each month.

How much does car insurance cost in Los Angeles, CA?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,121
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,669
6 San Bernardino $1,644
7 Santa Clarita $1,595
8 Long Beach $1,578
9 Fontana $1,566
10 Stockton $1,556
11 Garden Grove $1,554
12 Moreno Valley $1,551
13 Riverside $1,527
14 Fresno $1,517
15 Modesto $1,502
16 Anaheim $1,488
17 Santa Ana $1,439
18 San Jose $1,423
19 Fremont $1,389
20 Huntington Beach $1,374
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Information shown are estimated as specific Los Angeles garaging address can revise coverage prices substantially.

Deciphering which companies quote the cheapest insurance rates for teachers calls for more work in order to find a policy that fits your budget. Each auto insurance company has their own unique process to set their prices, so let’s examine the insurance companies that tend to be cheaper in Los Angeles.

It’s a good idea to be aware that Los Angeles insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply having a birthday, moving to a different location, or having a fender bender can produce rate changes resulting in some companies being cheaper than others.

Lowest Insurance Price Quotes for Educators

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,190
3 Wawanesa $1,192
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,325
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,496
10 Allstate $1,497
11 GEICO $1,513
12 Allied $1,556
13 The Hartford $1,591
14 MetLife $1,606
15 State Farm $1,699
16 Unitrin $1,733
17 Esurance $1,739
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $1,946
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USAA normally has some of the cheapest car insurance rates in Los Angeles at around $1,143 a year. Century National, Wawanesa, CSAA, and Nationwide also are some of the most economical Los Angeles, CA auto insurance companies.

As depicted above, if you are a customer of Wawanesa and switched to USAA, you might see a yearly savings of in the neighborhood of $49. Drivers with CSAA may save as much as $55 a year, and Nationwide policyholders might reduce prices by as much as $107 a year.

To discover how much you can save, click here or click several companies below for low rates.

Understand that those policy rates are averages for all drivers and vehicles and are not factoring in a vehicle location for teachers. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own individual information.

Buying coverage from a highly-rated car insurance provider can be a challenge considering how many companies sell insurance in California. The company information below can help you analyze which auto insurance companies you want to consider shopping your coverage with. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that may only write in California will not be included in this list.

Top 15 Insurance Companies for Teachers in Los Angeles, CA
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
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Data Source: Insure.com Best Car Insurance Companies

Cost of full coverage

Reducing premiums for insurance is the goal of most vehicle owners, and one of the best ways to save on the cost of insurance for teachers is to not buy comprehensive and collision coverage. The illustration below shows the comparison of insurance rates with full coverage compared to only the California minimum liability coverage. The rate quotes are based on no accidents or driving violations, $500 deductibles, single status, and no other discounts are factored in.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $2,816 per year more than just buying liability insurance. A very common question is when is the right time to remove full coverage. There is no clear-cut rule to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s settlement value is $11,500 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $10,500 after paying your policy deductible. If it’s costing you more than $1,050 a year for your policy with full coverage, then you might want to think about dropping full coverage.

How to find more affordable car insurance for teachers

The list below shows a few penny-pinching ideas that can help you quote cheaper coverage.

The final tip is certainly critical, as was pointed out in this write-up. Prices charged by auto insurers can change in a short period of time, so you should be ready to switch carriers if you can find a cheaper rate.

Staying with the same car insurance company is fine, but is isn’t recommended if that loyalty results in overpaying a small fortune. In less than five minutes you could compare prices to find cheaper auto insurance for teachers in Los Angeles.