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
|Rank||Company||Cost Per Year|
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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.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$2,120|
|Ford Edge SE 2WD||$2,328|
|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.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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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.
- Buying car and homeowners insurance together can save money
- Remove physical damage coverage on older vehicles
- Frequent claims will increase rates
- Raise comprehensive and collision coverage deductibles
- Vehicles with safetly features generally cost less to insure
- Pay lower rates with good credit
- Shop around for cheaper prices often
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 207 – Los Angeles, CA 90027 – (323) 663-8541
Michael Chien – State Farm Insurance Agent
318 1/2 S La Brea Ave #2 – Los Angeles, CA 90036 – (323) 932-2557
State Farm: Pogos Ichmelyan
750 Colorado Blvd – Los Angeles, CA 90041 – (323) 257-1107
Ken Donaldson Insurance Agency
6108 Venice Blvd – Los Angeles, CA 90034 – (310) 451-4943