Who Has Cheap Los Angeles Auto Insurance for State Employees?

Deciding which company has the best car insurance rates for state employees will require a bit more work than just quoting one company’s rates. Every auto insurer uses a different method to set policy rates, so let’s rank the lowest cost car insurance companies in California.

It’s a good idea to know that California car insurance rates are impacted by many things which can substantially decrease or increase the cost of coverage. Simply getting older, adding a teenager to your policy, or getting a driving violation can trigger price changes that can now make some companies much cheaper than others.

Cheap Insurance Rates in California

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 Century National $1,178
4 Nationwide $1,213
5 CSAA $1,222
6 21st Century $1,338
7 Grange $1,477
8 Allstate $1,513
9 GEICO $1,529
10 Mercury $1,548
11 Progressive $1,558
12 Allied $1,588
13 The Hartford $1,639
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,705
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $2,006
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USAA normally has some of the most affordable car insurance rates in Los Angeles at around $1,143 annually. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the most economical Los Angeles, CA car insurance companies.

As shown above, if you are a customer of Century National and switched to USAA, you might achieve a yearly savings of upwards of $35. California drivers with Nationwide could save as much as $70 a year, and CSAA policyholders might reduce rates by $79 a year.

It’s important to note that these premiums are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for state employees. So the car insurance company that can offer you the best price may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own driver and vehicle profiles.

The vehicle model on the policy is probably the largest consideration in finding the cheapest car insurance for state employees. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The table below illustrates insurance prices for the most affordable automobiles to insure in California.

Cheapest Vehicles to Insure in Los Angeles, CA
Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $2,120
Ford Edge SE 2WD $2,328
Toyota Prius $2,348
Ford Explorer XLT 4WD $2,374
Ford Escape XLS 2WD $2,427
Toyota RAV4 2WD $2,506
Chevrolet Silverado LS Regular Cab 2WD $2,516
Dodge Grand Caravan SXT $2,556
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,566
Hyundai Elantra GLS Touring Station Wagon $2,606
Volkswagen Jetta S 2.5 Station Wagon $2,635
Chevrolet Impala LTZ $2,641
Honda CR-V EX-L 4WD $2,665
Jeep Grand Cherokee Limited 4WD $2,685
GMC Sierra SLT Extended Cab 4WD $2,695
Jeep Wrangler Sahara 4WD 2-Dr $2,728
Ford F-150 Lariat King Ranch 4WD $2,735
Dodge Ram Quad Cab SLT 2WD $2,744
Hyundai Sonata SE 4-Dr Sedan $2,824
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $2,867
Toyota Camry Hybrid $2,873
Dodge Ram 2500 Crew Cab ST 2WD $2,882
Chevrolet Malibu Hybrid $2,880
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in garaging location in Los Angeles, CA which can lower or raise insurance rates significantly.

Looking at the rates, cars like the Honda Accord, Ford Edge, Toyota Prius, Ford Explorer, and Ford Escape will be a few of the less-costly vehicles to insure for state workers.

Ending up with the best insurer can be challenging considering how many different companies insure vehicles in Los Angeles. The company ratings in the next section could help you pick which companies to look at when trying to find the cheapest insurance for state employees. These ratings only include the largest companies in the United States, so companies that focus mainly on California business are not factored into this list.

Best 15 Car Insurance Companies for State Employees in Los Angeles
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

The example below demonstrates how deductible levels can raise or lower annual premium costs when researching cheap insurance for state employees. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied.

In the chart above, a 30-year-old driver could lower rates by $476 a year by changing from a $100 deductible to a $500 deductible, or save $712 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could reduce their rates $1,008 each year just by choosing larger deductibles.

When choosing a higher deductible, it will be required to have emergency funds available to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

How to find cheaper auto insurance for state employees

It’s not impossible to find cheaper rates, and here are some thrifty solutions that can help you find low-cost auto insurance.

The last idea is especially crucial, as we pointed out in this piece. Prices charged by companies change constantly, so don’t be hesitant to buy a different policy if a lower-cost policy is available.

Brand loyalty is great, but it isn’t a good idea if that loyalty results in overpaying major coinage every year. Spend a few minutes and shop around to find cheaper car insurance for state employees in Los Angeles.

The insurance agencies listed below can most likely help you determine which coverage meets your needs best, as some people prefer to have professional advice when buying car insurance for state workers. It can be hard to find the cheapest car insurance policy, so getting advice from a licensed agent can give peace of mind knowing your coverage gives you adequate protection. To locate a Los Angeles auto insurance agent close to where you live, click the button at the bottom.

Allstate Insurance: Avo Donoyan
1727 N Vermont Ave Ste 207Los Angeles, CA 90027(323) 663-8541

Michael Chien – State Farm Insurance Agent
318 1/2 S La Brea Ave #2Los Angeles, CA 90036(323) 932-2557

State Farm: Pogos Ichmelyan
750 Colorado BlvdLos Angeles, CA 90041(323) 257-1107

Ken Donaldson Insurance Agency
6108 Venice BlvdLos Angeles, CA 90034(310) 451-4943

View more Los Angeles, CA insurance agents