The type of vehicle you are buying coverage for is probably the most important factor when looking for low-priced insurance for low mileage drivers. Vehicles with limited speed and performance, a plethora of safety features, or a track record of few liability claims will cost significantly less to insure than high performance models.
The next table ranks auto insurance costs for the most budget-friendly vehicles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Odyssey LX||$2,180|
|Toyota Tacoma 2WD||$2,301|
|Honda CR-V EX 4WD||$2,317|
|Volkswagen Jetta S 4-Dr Sedan||$2,346|
|Toyota Camry LE||$2,351|
|Chevrolet Malibu LS||$2,346|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$2,429|
|Toyota Corolla S||$2,470|
|Ford Escape XLT 4WD||$2,486|
|Nissan Altima Hybrid 4-Dr Sedan||$2,515|
|Jeep Grand Cherokee SRT-8 4WD||$2,524|
|Nissan Rogue S AWD||$2,515|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$2,560|
|Ford Focus SE 4-Dr Sedan||$2,640|
|Chevrolet Impala LS||$2,645|
|Toyota Camry Hybrid||$2,684|
|Toyota RAV4 Sport 4WD||$2,688|
|Dodge Ram 2500 Mega Cab SLT 4WD||$2,729|
|Dodge Grand Caravan SXT||$2,739|
|Ford Explorer Eddie Bauer AWD||$2,745|
|Ford F-150 STX Super Cab 4WD||$2,780|
|Ford Edge SE AWD||$2,816|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in specific zip code location which can influence coverage prices greatly.
Based upon the rates shown, we can infer that cars like the Honda Odyssey, Toyota Prius, Toyota Tacoma, Honda CR-V, and Volkswagen Jetta are most likely to be a few of the cheaper vehicles to insure for infrequent drivers.
One of the more important components that aid in calculating the cost of insurance is where your car is garaged. Larger areas tend to have higher rates, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The table below shows the highest-priced areas in California for low mileage drivers to purchase car insurance in. Los Angeles comes in at #1 having an annual price of $2,083 for car insurance, which is around $174 monthly.
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Rates are approximated as the specific zip code location can decrease or increase rates greatly.
Get discounts on Los Angeles car insurance rates
Car insurance companies that provide policies for low mileage drivers could also offer rate discounts that can reduce rates by 30% or more if you are eligible. A few of the larger companies and a partial list of their discounts are detailed below.
- American Family may offer discounts for good student, early bird, mySafetyValet, multi-vehicle, good driver, and Steer into Savings.
- State Farm policyholders can earn discounts including multiple policy, student away at school, anti-theft, Drive Safe & Save, good driver, and Steer Clear safe driver discount.
- 21st Century offers premium reductions for good student, air bags, anti-lock brakes, teen driver, 55 and older, early bird, and defensive driver.
- Travelers may include discounts for payment discounts, good student, multi-car, IntelliDrive, driver training, and early quote.
- GEICO may have discounts that include membership and employees, seat belt use, military active duty, multi-vehicle, anti-theft, air bags, and defensive driver.
The chart below illustrates the difference between insurance rates with and without some available policy discounts. Data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, homeowner, multiple policy, anti-theft, marriage, and multiple vehicle discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for low mileage drivers is 28% or $661.
The illustration below shows how different deductible levels can change yearly insurance costs when searching for cheap insurance for low mileage drivers. The rate quotes are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could cut expenses by $420 a year by changing from a $100 deductible to a $500 deductible, or save $632 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could lower their rates as much as $1,068 or even more by choosing a higher deductible. When increasing deductibles, it will be important to have enough savings to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to find economical insurance for low mileage drivers
The list below summarizes some penny-pinching ideas that can help drivers quote cheaper car insurance.
- Increase deductibles to save money
- Save money by insuring older vehicles for liability only
- Accident-free drivers may qualify for discounts
- You will pay more if you get tickets or have at-fault accidents
- Buy vehicles with five-star safety ratings
- Clean up your credit rating
- Compare prices as often as possible
The final tip is extremely significant, as we noted in the article above. Insurance prices can change considerably in a year, so don't be hesitant to switch carriers if a cheaper price is available.
Many drivers prefer to stick with one company, but we do not recommend it if that stubbornness costs you hundreds every year. In just a few minutes you could compare rates to find cheaper auto insurance for low mileage drivers in Los Angeles.
The insurance agents in Los Angeles listed below can probably help you determine which insurance coverage will be best for you, since some people prefer to have a little guidance when comparing insurance rates for infrequent drivers. It's not always simple to find coverage yourself, so insurance agents licensed in the state of California can provide satisfaction knowing you have adequate protection in case of an accident or claim.
To locate a Los Angeles auto insurance agent near you, click the link at the bottom or click here to compare rates now.
Sean M Brown - State Farm Insurance Agent
3130 S Sepulveda Blvd f - Los Angeles, CA 90034 - (310) 479-0080
Oleg Avanesov - State Farm Insurance Agent
12245 California Route 2 - Los Angeles, CA 90025 - (310) 826-8700
Carmel Stevens - State Farm Insurance Agent
4918 W Slauson Ave - Los Angeles, CA 90056 - (323) 292-7930
Hillary Heyl - State Farm Insurance Agent
1990 Westwood Blvd #100 - Los Angeles, CA 90025 - (310) 234-9600
Sean Paul Insurance Agency
3101 Silver Lake Blvd - Los Angeles, CA 90039 - (323) 667-9180