This would be a quick read if we could simply give you the name of the one best company that has the best insurance prices in California. Unfortunately, it’s not that simple as there are a whole bunch of unknown factors such as whether you are single or married, if you just need liability coverage, your credit history, and the crash test ratings of your vehicle, that all have an effect on the price of a policy. This article will cover the different ways to avoid overpaying and also should give you a good start in finding the cheapest insurance in California.
Finding reliable, cheap car insurance is challenging, and deciding which companies offer the cheapest auto insurance rates for welfare recipients will require even more work.
Each insurance company has a unique approach to set policy rates, so first let’s look at the rankings for the most competitive auto insurance companies in Los Angeles, CA.
Best Car Insurance Prices in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,497 |
| 10 | GEICO | $1,513 |
| 11 | Progressive | $1,542 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA may have some of the cheapest car insurance rates in Los Angeles at around $1,155 each year. This is $496 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheaper Los Angeles, CA insurance companies.
As illustrated above, if you are insured with Century National and switched to USAA, you may realize an annual savings of approximately $59. California drivers with CSAA may save as much as $67 a year, and Nationwide customers might reduce prices by as much as $108 a year.
These premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for welfare recipients. So the auto insurance company that has the lowest price for you may not even be in the list above. That’s why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
For drivers on welfare, one of the largest components that help determine auto insurance rates is where you live in Los Angeles. Areas with more people or even just a higher incidence of claims tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The information below rates the most expensive cities in California for welfare recipients to buy car insurance in. Los Angeles is listed at #2 with the annual price of $2,104 on average, which is approximately $175 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,581 |
| 10 | Garden Grove | $1,570 |
| 11 | Moreno Valley | $1,551 |
| 12 | Santa Clarita | $1,533 |
| 13 | Fresno | $1,517 |
| 14 | Riverside | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
| Quote Best Rates Go | ||
Premium amounts are approximated as the specific area where the vehicle is garaged can lower or raise rates substantially.
The vehicle that needs insurance is probably the most important factor when quoting the most economical insurance for welfare recipients. Vehicles with high performance, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The next list illustrates coverage prices for the cheaper vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $2,299 |
| Honda Accord EX 4-Dr Sedan | $2,428 |
| Honda CR-V EX 2WD | $2,433 |
| Hyundai Elantra GLS Touring Station Wagon | $2,428 |
| Chevrolet Impala LS | $2,461 |
| Toyota RAV4 Limited 2WD | $2,507 |
| Volkswagen Jetta LE 4-Dr Sedan | $2,517 |
| Dodge Grand Caravan Hero | $2,507 |
| GMC Sierra SLE Crew Cab 2WD | $2,516 |
| Jeep Wrangler Sport 4WD 2-Dr | $2,524 |
| Honda Odyssey EX-L W/Navigation | $2,636 |
| Toyota Prius | $2,689 |
| Ford Edge SE AWD | $2,825 |
| Toyota Camry Hybrid | $2,874 |
| Toyota Camry Hybrid | $2,879 |
| Dodge Ram Quad Cab Sport 4WD | $2,924 |
| Ford F-150 FX4 4WD | $2,934 |
| Chevrolet Silverado 2500HD LT Crew Cab 2WD | $3,006 |
| Toyota Corolla S | $3,030 |
| Jeep Grand Cherokee Laredo 4WD | $3,079 |
| Compare Cheap Rates Go | |
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in vehicle location which can impact auto insurance rates considerably.
Based upon these rates, models like the Ford Escape, Honda Accord, Honda CR-V, Hyundai Elantra, and Chevrolet Impala are the more affordable vehicles to insure for drivers on welfare.
Impact of speeding/accidents on Los Angeles auto insurance rates
One of the best ways to score the cheapest auto insurance prices in Los Angeles for drivers on welfare is to be a safe driver and avoid accidents and traffic citations. The diagram below illustrates how speeding tickets and at-fault claims influence insurance premiums for different categories of driver ages. Data assumes a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $3,262. Get written up for two speeding tickets and the average cost rises to $4,398, an increase of $1,136 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for welfare recipients goes up to an average of $8,399. That’s an increase of $5,137, or $428 per month, just for not driving carefully!
The diagram below illustrates how choosing a deductible can impact premium costs when trying to find cheap insurance for welfare recipients. The premiums are based on a single female driver, full physical damage coverage, and no other discounts are factored in.
The data above shows that a 40-year-old driver could reduce rates by $350 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $530 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, could roll back prices as much as $888 each year by choosing a larger deductible amount. If you do decide to increase your deductibles, it will be important to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Get discount Los Angeles auto insurance
Insurance providers that offer quotes for welfare recipients could also offer premium discounts that could potentially reduce rates by 25% or more if you are eligible to receive them. The best auto insurance companies and their possible discounts are outlined below.
- American Family has savings for air bags, defensive driver, early bird, good student, bundled insurance, Steer into Savings, and accident-free.
- Farm Bureau offers discounts including driver training, renewal discount, safe driver, good student, and 55 and retired.
- State Farm may have discounts that include defensive driving training, Steer Clear safe driver discount, multiple policy, accident-free, and student away at school.
- Travelers offers premium reductions for hybrid/electric vehicle, continuous insurance, student away at school, IntelliDrive, and home ownership.
- The Hartford includes discounts for defensive driver, good student, anti-theft, driver training, and air bag.
- GEICO has discounts for seat belt use, multi-policy, five-year accident-free, federal employee, defensive driver, anti-lock brakes, and good student.
- Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, multi-policy, homeowner, online signing, and good student.
The example below shows the comparison of car insurance rates with and without discounts being applied to the rates. The data assumes a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, anti-theft, accident-free, passive restraint, multiple policy, and marriage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for welfare recipients is 28% or $661.