The words “economical” and “insurance” probably shouldn’t be used together, in particular when shopping around for the best price on coverage for inexperienced drivers. Because it’s so expensive, let’s get started by showing you some things that have a considerable impact on auto insurance premiums, and come up with some ways to reduce the cost of your next policy.
Finding out which companies quote the best insurance rates for inexperienced drivers involves a bit more work in order to find coverage that fits your budget. Every insurance provider has their own formula to determine premium rates, so we’ll go over the insurance companies with the overall best prices in Los Angeles, CA.
Best Car Insurance Prices for Newbies
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Allstate | $1,497 |
| 10 | GEICO | $1,529 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,542 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $2,026 |
| View More Rates Go | ||
USAA quotes some of the best car insurance rates in Los Angeles at around $1,143 per year. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the more affordable Los Angeles, CA car insurance companies.
In the rate table above, if you have coverage with Wawanesa and switched to USAA, you may see savings of about $49. California drivers with CSAA could save as much as $55 a year, and Nationwide policyholders might reduce rates by $107 a year.
If you want to find out if you’re overpaying, click here to start your free quote or click through to the companies below.
Be aware that those premium estimates are averaged across all insureds and vehicles and are not factoring in a specific vehicle garaging location for inexperienced drivers. So the company that is best suited for you may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
For new drivers, one of the largest criteria that help determine the cost of insurance is the neighborhood you call home. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The illustration below lists the highest-priced areas in California for inexperienced drivers to buy car insurance in. Los Angeles is ranked #1 with an annual rate of $2,168 for car insurance, which is about $181 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,703 |
| 6 | Stockton | $1,588 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,562 |
| 9 | Moreno Valley | $1,551 |
| 10 | Riverside | $1,542 |
| 11 | Santa Clarita | $1,533 |
| 12 | Garden Grove | $1,524 |
| 13 | Fontana | $1,519 |
| 14 | Modesto | $1,502 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,497 |
| 17 | Anaheim | $1,488 |
| 18 | Huntington Beach | $1,416 |
| 19 | Bakersfield | $1,381 |
| 20 | San Jose | $1,381 |
| Compare Prices Now Go | ||
Price information shown is comparative as vehicle location can revise auto insurance rates significantly.
Get discounts on Los Angeles auto insurance
Insurance companies that provide coverage for inexperienced drivers may also offer discounts that can reduce rates by as much as 40% or more if you are eligible. Larger insurance companies and a summarized list of policyholder discounts are detailed below.
- AAA may offer discounts for good student, anti-theft, pay-in-full, multi-policy, and AAA membership discount.
- Progressive offers discounts for good student, multi-policy, homeowner, online quote discount, continuous coverage, multi-vehicle, and online signing.
- State Farm offers premium reductions for driver’s education, anti-theft, multiple autos, good driver, and passive restraint.
- Esurance has discounts for anti-theft, multi-car, Pac-12 alumni, online shopper, paid-in-full, anti-lock brakes, and defensive driver.
- Nationwide may include discounts for anti-theft, Farm Bureau membership, accident-free, defensive driving, business or organization, multi-policy, and easy pay.
The diagram below illustrates the comparison of yearly insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, safe-driver, accident-free, multiple policy, passive restraint, and defensive driving course discounts applied. With discounts applied, theaverage yearly reduction on insurance for inexperienced drivers is 28% or $549.
Impact of speeding/accidents on insurance rates
The easiest method to earn affordable insurance premiums in California for new drivers is to be a cautious driver and avoid accidents and keep your driving record clean. The information below demonstrates how citations and at-fault claims can affect insurance rates for different categories of driver ages. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of an auto insurance policy in Los Angeles per year with a clean driving record and no accidents is $2,650. Factor in one speeding ticket and the average cost hikes up to $3,084, an increase of $434 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for inexperienced drivers goes up to an average of $6,730. That’s an increase of $4,080, or $340 per month, just for not driving carefully!
How to find the cheapest insurance for inexperienced drivers
The list below details some of the recommended penny-pinching solutions that can help drivers locate cheaper coverage.
- Drivers with good credit often pay less
- Do not get into accidents that are your fault
- Increase the comprehensive and collision deductibles on your policy
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Multi-policy discounts save money
- Try to remain claim-free
- Shop around for cheaper prices
That final tip is certainly vital, as we noted in this article. Rates change constantly, so drivers shouldn’t hesitate to buy from a different company if you can save money. Many drivers prefer to stick with one company, but it’s not a great idea if that dedication is costing major coinage every year. Take a couple minutes and compare prices and find cheaper auto insurance for inexperienced drivers in Los Angeles.
If you aren’t clear which coverage you need and would like to have the advice of a professional agent when trying to find the best insurance rates for new drivers, the agencies below are a good start to aid you in deciding which coverages and limits you need. To find a Los Angeles insurance agent closest to you, click the button at the bottom.
JSB Insurance Services, Inc.
1801 S La Cienega Blvd Ste 201 – Los Angeles, CA 90035 – (310) 402-0020
Michael Chien – State Farm Insurance Agent
318 1/2 S La Brea Ave #2 – Los Angeles, CA 90036 – (323) 932-2557
Solid Health Insurance Agency
11639 Chenault St – Los Angeles, CA 90049 – (310) 909-6135