Best Cheap Car Insurance in Los Angeles for 2022 | Bankrate

If you live in Los Angeles, you probably rely on a car to get around, but the high cost of auto insurance may be more than you can afford. According to Bankrate Research, Los Angeles drivers pay an average annual premium of $2,941 for full coverage, or $245 per month, and an average of $857 per year for minimal coverage.

bankrate studied the Los Angeles market and found several insurance companies that offer full coverage and minimum coverage policies that cost less, on average, than the city’s average rates. Our research found that Wawanesa, Mercury Insurance, and AAA offer some of the cheapest average auto insurance rates for Los Angeles motorists.

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the best cheap car insurance companies in Los Angeles

If you’re looking for cheap auto insurance in California, Los Angeles offers several top-notch options. According to data provided by Quadrant Information Services, the best cheap car insurance companies in Los Angeles include Wawanesa, Mercury Insurance, and AAA.

To find the cheapest auto insurance companies in Los Angeles, Bankrate looked for insurers with good financial strength scores and high J.D. power of 2022 usa uu. car insurance study To produce our bank rate scores, we use a 5-point scale that assesses each carrier’s affordability, availability, customer service history, and financial strength. We’re also looking for companies that offer online resources and mobile apps that can make it easier for policyholders to file claims and manage their auto insurance policies.

wawanese

Among the five Los Angeles auto insurance companies on our list, Wawanesa offers the cheapest average full coverage rates. the provider also ranked number one in j.d. power study, with an overall customer satisfaction score of 879 out of 1000 in california. In addition to the standard coverages, Wawanesa also offers optional rental expense coverage and special vehicle equipment coverage. policyholders can also benefit from many common discounts, such as good driver, loyalty and multiple policy. In addition, Wawanesa offers a possible discount to drivers age 55 and older who complete a California-approved defensive driving course. wawanesa only offers car insurance coverage in california and oregon, so it may not be the best option for drivers planning to relocate in the near future.

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more information: wawanese insurance review

mercury

mercury ranked fourth in the j.d. power study, with a customer satisfaction score of 827, seven points above the regional average. The insurer offers all the basic car insurance coverage, but unfortunately only offers three optional protections: car rental reimbursement coverage, rideshare, and roadside assistance. Mercury offers discounts for multiple cars and multiple policies, and offers additional savings for cars equipped with anti-theft devices. Members can also get a discount by paying their premium in full or opting for automatic payments. After a loss, mercury policyholders can file claims online or by calling a toll-free number 24 hours a day, 7 days a week. Mercury sells auto insurance policies through more than a dozen independent Los Angeles agencies.

more information: mercury insurance review

aaah

although aaa was second in j.d. power study, has the lowest bank rate score on this list. the provider offers all the basic auto insurance coverages, but does not offer optional coverages. Policyholders can save by combining AAA auto insurance coverage with a condo, home, life, or renters policy. buying policies on more than one vehicle can save you up to 27.3 percent and maintaining a good driving record can earn you up to a 20 percent discount. Policyholders who are members of the AAA Car Club can access features and services using a single mobile app, which allows them to contact roadside assistance, access their insurance ID, search for AAA member discounts, and find Nearby gas stations with the lowest prices. aaa sells auto insurance through dozens of locations throughout the greater Los Angeles area.

more information: aaa insurance review

geiko

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geico earned a higher than average customer satisfaction score from j.d. energy and offers the second cheapest car insurance on our list of minimum coverage. the company could be a great option for drivers looking for basic but reliable coverage from a major national insurer. The insurer offers many possible ways to save with discounts for military members, participating organizations and policyholders who sign up for its DriveEasy telematics program. Note, however, that the vendor does not offer gap insurance, and unlike some of our other top picks, Geico does not operate local offices.

more information: geico insurance review

travellers

Among our best cheap car insurance companies in Los Angeles, travelers charge the highest average rates for comprehensive coverage and the third highest for minimum coverage, but it can be a good option for drivers looking to customize your policy. In addition to all the basic coverages, the company offers optional accident forgiveness, gap insurance, new car replacement coverage, rental car reimbursement coverage, rideshare insurance, and roadside assistance. Travelers also provide policyholders with numerous ways to lower their rates. Multi-policy discounts offer savings of up to 13 percent, and you can save even more if you own an electric car or purchase a newer vehicle. Traveler affinity group discount programs provide additional savings for employees or members of participating associations, businesses, and credit unions.

more information: travel insurance review

how to get and keep the cheapest auto insurance in los angeles

The following tips can help you get the cheapest rates in Los Angeles for your individual circumstances:

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  • To find affordable auto insurance, look for applicable discounts. Some providers offer discounts for cars equipped with safety and security equipment, such as anti-lock brakes and anti-theft systems. Many insurers also offer good driver discounts for maintaining a clean driving record, and some extend a discount to young drivers who complete a driver’s education course or get good grades.
  • To keep cheap car insurance, keep a clean driving record. maintaining a clean driving record could offer substantial savings on your premium. Staying accident-free indicates to auto insurance providers that you may be at lower risk of filing a claim. If you get a mark on your driving record, you may want to enroll in a telematics program or defensive driving course, which could help you demonstrate that you have safe driving habits. some insurers will offer you lower rates for doing so.
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