Who Has Cheap Car Insurance for Drivers with Accidents in Los Angeles?

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.

Cheapest Vehicles to Insure in Los Angeles, CA
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.

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Cheapest California auto insurance companies
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.

How much does car insurance cost in Los Angeles, CA?
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

Save on insurance for drivers with at-fault accidents in Los AngelesCar 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.

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.

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