Who Has the Cheapest Los Angeles Auto Insurance for Uninsured Drivers?

The type of vehicle requiring coverage is a significant factor that determines if you can find the lowest-priced insurance for uninsured drivers. Vehicles with economical engines, modern passenger safety features, or a positive history of liability claims will cost much less to insure than high performance models. The list below ranks auto insurance costs for the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Los Angeles, CA
Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,971
Honda CR-V LX 4WD $2,221
Chevrolet Impala LT $2,335
Toyota Tacoma Double Cab 4WD $2,345
Toyota RAV4 Sport 2WD $2,335
Dodge Grand Caravan SXT $2,379
Ford Focus SES 4-Dr Sedan $2,417
Toyota Prius $2,462
Nissan Rogue SL 2WD $2,503
Ford F-150 XL Super Cab 4WD $2,506
Chevrolet Equinox LTZ AWD $2,513
Jeep Wrangler Rubicon 4WD 2-Dr $2,506
Dodge Ram Quad Cab TRX4 Off Road 2WD $2,547
Honda Odyssey EX W/Rear Entertainment $2,569
Chevrolet Malibu LS $2,629
Kia Optima EX $2,674
Ford Explorer Limited 4WD $2,686
Ford Edge Sport 2WD $2,696
Toyota Corolla S $2,706
Toyota Camry SE $2,696
Dodge Ram 3500 Crew Cab SLT 2WD $2,718
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $2,723
GMC Sierra SLE Crew Cab 4WD $2,746
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in zip code location which can affect coverage prices substantially.

Based on these rates, models like the Ford Escape, Honda CR-V, and Chevrolet Impala are going to be some of the cheaper vehicles to insure for drivers with no prior coverage.

Finding reliable, affordable insurance is not easy, and figuring out which companies have the cheapest car insurance rates for uninsured drivers involves a little more work. Each auto insurance company has their own unique process for determining rates in each state, so let’s begin by examining the car insurance companies with the overall best prices in Los Angeles, CA.

It’s important that readers know that Los Angeles, CA car insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay. Events such as a birthday, buying a newer car, or getting into an accident may cause policy rate changes that can now make some companies more expensive than before.

Best Insurance Companies in California

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USAA quotes some of the best car insurance rates in Los Angeles at around $1,121 annually. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the cheaper Los Angeles, CA insurance companies.

As shown in the rates above, if you currently buy coverage from Wawanesa and switched to USAA, you may realize an annual premium reduction of in the neighborhood of $60. Insureds with CSAA may save as much as $65 a year, and Nationwide insureds might realize rate reductions of up to $105 a year.

Understand that those policy prices are averaged for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for uninsured drivers. So the car insurance company that has the cheapest price for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

For drivers with no prior coverage, one of the largest factors that are used to help calculate car insurance rates is your address. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with less crime or weather claims benefit from lower prices.

The information below sorts the highest-priced areas in California for uninsured drivers to buy auto insurance in. Los Angeles ranks #1 costing $2,146 for coverage, which is about $179 monthly.

How much does car insurance cost in Los Angeles, CA?
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,121
3 Oakland $1,704
4 Sacramento $1,703
5 San Francisco $1,693
6 San Bernardino $1,644
7 Long Beach $1,610
8 Stockton $1,588
9 Fontana $1,581
10 Santa Clarita $1,548
11 Riverside $1,542
12 Moreno Valley $1,536
13 Fresno $1,517
14 Garden Grove $1,508
15 Modesto $1,502
16 Anaheim $1,474
17 Santa Ana $1,453
18 Fremont $1,403
19 San Jose $1,395
20 Bakersfield $1,381
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Information shown are approximated as zip code location can lower or raise insurance rates considerably.

Buying coverage from the top company is difficult considering how many companies sell insurance in Los Angeles. The company ratings below could help you pick which car insurance providers you want to consider comparing rates with. These ratings only include companies that insure vehicles across America, so companies that may only write in California are not taken into consideration for this list.

Top 10 Large Car Insurance Companies in Los Angeles Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Large Car Insurance Companies in Los Angeles Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Liability-only versus full coverage

Buying cheaper car insurance is important to the majority of drivers, and a great way to find cheaper insurance for uninsured drivers is to only buy liability insurance. The diagram below visualizes the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

As an average for all age groups, full coverage on your policy costs $3,385 per year over having just liability coverage. Many of you may wonder if physical damage coverage is worth the money. There is no clear-cut rule to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

Impact of violations and accidents on rates in Los Angeles

A great way to receive the most affordable car insurance premiums for drivers with no prior coverage is to drive safe and avoid accidents and traffic violations. The example below highlights how traffic violations and accidents increase auto insurance rates for different insured age categories. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of car insurance in California per year with no accidents and a clean driving record is $1,975. Receive one speeding ticket and the average cost jumps to $2,269, an increase of $294 each year. Now include one accident along with the one speeding ticket and the yearly cost of car insurance for uninsured drivers increases to an average of $3,087. That’s an increase of $1,112, or $93 per month, just for not being more responsible behind the wheel!

Your low-price policy may be costing you money

Los Angeles car insurance rates are influenced by many factors that control the policy price. Simply having another birthday, having a teenage driver, or getting a couple of tickets can cause premium changes resulting in some companies being cheaper than before. In addition to those changes, companies modify rates at least once a year as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity may result in increased policy costs, while lower claims may cause lower-priced Los Angeles car insurance rates.

As an example, the chart below shows the cheapest car insurance in Los Angeles, CA for a 40-year-old male driver with no accidents, a clean driving record, and a good credit rating. When quoting prices based on his current situation, USAA might offer the best car insurance rates in Los Angeles at $1,773 a year. This is $122 more than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the cheapest Los Angeles, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from the above example a couple of claims, a little lower credit rating, and a stop sign violation. Since every insurance provider has their own guidelines for determining prices, analyzing rate quotes could now result in a new list of the cheapest Los Angeles car insurance companies as shown below.

Grange now has the lowest price in Los Angeles, CA with Allstate, Progressive, Mercury, and Allied also being competitive. This example shows why consumers need to compare many different companies to get the best insurance rates for uninsured drivers.

Rates are influenced by many risk factors and can change substantially, so the most economical company when you bought your policy may now cost much more than other companies.

If you would rather have some advice when trying to find lower insurance rates for drivers with no prior coverage, the agencies below can aid you in deciding which policy fits your needs best. To find a Los Angeles insurance agency by location nearest to you, click the button link following the list or click here to compare price quotes now.

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