Who Has the Cheapest Los Angeles Auto Insurance for Used Cars?

I’m sure you’ve seen the catchy advertisements from auto insurance companies like State Farm, The General, and Nationwide guaranteeing huge savings, so drivers should just pick the company with the best ad, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknown elements like if you have points on your license, whether or not you own a home, and how experienced of a driver you are, that all go into determining the rate you pay. We are going to cover some of these factors and will hopefully give you a good beginning to your search for cheaper coverage.

Determining which companies offer the cheapest car insurance rates for used cars may require more time than just quoting one company’s rates. Each auto insurer has a unique formula to set policy rates, so let’s look at the rankings for the lowest cost car insurance companies in California.

Cheapest Insurance Rates for Used Cars

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,181
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,433
8 Progressive $1,512
9 Allstate $1,513
10 Mercury $1,533
11 Allied $1,541
12 GEICO $1,559
13 The Hartford $1,575
14 MetLife $1,638
15 Esurance $1,688
16 Unitrin $1,699
17 State Farm $1,699
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $1,966
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USAA generally has some of the most affordable car insurance rates in Los Angeles at around $1,155 a year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the cheapest Los Angeles, CA insurance companies.

In the above example, if you currently have coverage with CSAA and switched to Wawanesa, you could see annual savings of roughly $41. California drivers with Nationwide might save as much as $82 a year, and 21st Century policyholders might cut rates by $144 a year.

To get a fast rate comparison, click here or click several companies below for low rates.

Remember that these policy rates are averages across all insureds and vehicles and do not take into consideration a vehicle location for used cars. So the car insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.

The car, truck, or SUV you are trying to insure is a large consideration when consumers are trying to find the most economical car insurance for used cars. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The next list showcases coverage rates for some of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Los Angeles, CA
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,994
Hyundai Elantra GLS Touring Station Wagon $2,004
Ford Escape XLT 2WD $2,010
Honda CR-V LX 4WD $2,004
Volkswagen Jetta LE 4-Dr Sedan $2,082
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,187
Honda Odyssey Touring $2,229
GMC Sierra 2500HD SLE Crew Cab 4WD $2,239
Ford Fusion SEL 4-Dr Sedan $2,229
Ford F-150 XLT Regular Cab 4WD $2,233
Kia Optima LX $2,239
Nissan Rogue S 2WD $2,233
Toyota Prius $2,243
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Prices based on married female driver age 30, 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. Table data does not factor in specific location which can increase or decrease auto insurance rates significantly.

Looking at the data, you can see that cars like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V will be some of the more affordable vehicles to insure for pre-owned vehicles.

Finding the highest-rated car insurance company can be challenging considering how many different companies there are to choose from in California. The rank data displayed below could help you select which companies to look at comparing rates with. The ratings below are only made up of companies that insure vehicles across America, so companies that only write business in California or surrounding areas are not factored into the list.

Top 10 Large Auto 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

Top 10 Large Auto Insurance Companies in Los Angeles Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Full coverage rates compared to liability only

Lowering the price of car insurance should be important to most drivers, and one of the fastest ways to buy cheap insurance for used cars is to not insure for full coverage. The example below shows the comparison of car insurance costs with full coverage compared to only the California minimum liability coverage. The information is based on no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are applied to the premium.

Averaged for all age groups, full coverage costs an extra $2,816 per year over and above liability only. That touches on the question if you should buy full coverage. There is no specific rule that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

How to find cheaper insurance for used cars

Lowering your rates is not difficult, and here are a few thrifty ideas that can help Los Angeles drivers locate cheap coverage.

That last tip is extremely valuable, as was pointed out in the prior article. Prices charged by companies can be modified anytime, so don’t be unwilling to buy from a different company if a lower price can be found.

Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that stubbornness costs you thousands of dollars over the life of your policy. It only take a few minutes to compare prices to find cheaper car insurance for used cars in Los Angeles.

The Los Angeles auto insurance agencies shown below are willing to aid you in deciding which coverage meets your needs best, as some people prefer to get help from a professional when shopping for cheaper insurance for used cars. It can be difficult to find the best rates on your own, so insurance agents licensed in the state of California can bring peace of mind knowing your policy gives you adequate protection in case of an accident or claim.

To find a Los Angeles insurance agency in your neighborhood, click the link at the bottom or click here to compare price quotes now.

Rodney Brown – State Farm Insurance Agent
7154 Melrose AveLos Angeles, CA 90046(323) 931-1466

Allyson Weber – State Farm Insurance Agent
1063 Colorado BlvdLos Angeles, CA 90041(323) 258-5801

Sean Cheng State Farm Insurance Agency
767 N Hill St,109Los Angeles, CA 90012(213) 621-2526

5250 W Century Blvd #426Los Angeles, CA 90045(888) 400-4004

Kaz Achiwa – State Farm Insurance Agent
340 E Azusa St, Ste BLos Angeles, CA 90012(213) 253-1210

View map of Los Angeles, CA insurance agents