Affordable Car Insurance Rates in Torrance, CA (2024)
Car insurance rates in Torrance, CA are $322/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Torrance car insurance companies to get the coverage you need at the best rates available.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Torrance, CA are $322/month
- The cheapest car insurance company in Torrance after a DUI is Liberty Mutual
- The cheapest car insurance company in Torrance for teen drivers is USAA
Average car insurance rates in Torrance, California are $322 a month. But with a little research you can get a great deal from the top car insurance companies in Torrance, CA. Before you buy Torrance, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.
It may even be helpful to compare Torrance car insurance rates with Sacramento car insurance rates, Oakland car insurance rates, or San Diego car insurance rates to make sure you’re getting the best Torrance, CA car insurance quotes available.
Need affordable Torrance, CA car insurance? Enter your ZIP code to compare Torrance car insurance quotes from multiple car insurance companies near you.
Torrance, CA Minimum Car Insurance Coverage
Torrance, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Torrance, CA Car Insurance Rates by Coverage Level
Some Torrance drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Torrance, California car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,431 | $4,750 | $4,938 |
| Farmers | $4,966 | $5,417 | $5,728 |
| Geico | $2,722 | $3,061 | $3,290 |
| Liberty Mutual | $2,931 | $3,214 | $3,403 |
| Nationwide | $4,129 | $4,724 | $5,059 |
| Progressive | $2,838 | $3,302 | $3,454 |
| State Farm | $3,795 | $4,341 | $4,638 |
| Travelers | $3,144 | $3,784 | $4,095 |
| USAA | $2,447 | $2,759 | $2,909 |
Torrance, CA Car Insurance Rates by Age, Gender, and Marital Status
Torrance, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Torrance, CA car insurance, get quotes from multiple car insurance companies in the Torrance area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,032 | $3,026 | $2,210 | $2,224 | $8,461 | $10,625 | $3,858 | $4,212 |
| Farmers | $2,921 | $2,921 | $2,651 | $2,651 | $9,320 | $15,174 | $3,464 | $3,860 |
| Geico | $1,871 | $1,871 | $1,759 | $1,759 | $5,705 | $5,796 | $2,689 | $2,744 |
| Liberty Mutual | $2,420 | $2,275 | $2,268 | $2,190 | $5,226 | $5,621 | $2,709 | $2,754 |
| Nationwide | $3,248 | $3,096 | $2,859 | $2,690 | $8,321 | $9,186 | $3,878 | $3,820 |
| Progressive | $1,986 | $2,045 | $1,700 | $2,015 | $5,385 | $6,479 | $2,879 | $3,096 |
| State Farm | $3,341 | $3,341 | $2,987 | $2,987 | $6,196 | $7,699 | $3,700 | $3,813 |
| Travelers | $2,719 | $2,623 | $2,404 | $2,380 | $5,753 | $6,511 | $3,546 | $3,459 |
| USAA | $1,937 | $1,834 | $1,890 | $1,896 | $4,424 | $4,448 | $2,677 | $2,529 |
Torrance, CA Car Insurance Rates for Teens
How much is Torrance, California car insurance for teens? Compare rates from top Torrance car insurance companies below to help find the cheapest teen car insurance in Torrance, CA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,461 | $10,625 |
| Farmers | $9,320 | $15,174 |
| Geico | $5,705 | $5,796 |
| Liberty Mutual | $5,226 | $5,621 |
| Nationwide | $8,321 | $9,186 |
| Progressive | $5,385 | $6,479 |
| State Farm | $6,196 | $7,699 |
| Travelers | $5,753 | $6,511 |
| USAA | $4,424 | $4,448 |
Torrance, CA Car Insurance Rates for Seniors
Before seniors buy Torrance, California car insurance, they should make sure to shop around. Some Torrance, CA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,210 | $2,224 |
| Farmers | $2,651 | $2,651 |
| Geico | $1,759 | $1,759 |
| Liberty Mutual | $2,268 | $2,190 |
| Nationwide | $2,859 | $2,690 |
| Progressive | $1,700 | $2,015 |
| State Farm | $2,987 | $2,987 |
| Travelers | $2,404 | $2,380 |
| USAA | $1,890 | $1,896 |
Torrance, CA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Torrance, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Torrance.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,837 | $4,764 | $7,503 | $3,720 |
| Farmers | $3,977 | $5,410 | $6,726 | $5,368 |
| Geico | $2,112 | $3,271 | $4,093 | $2,621 |
| Liberty Mutual | $2,763 | $3,698 | $3,342 | $2,928 |
| Nationwide | $3,236 | $4,150 | $7,013 | $4,150 |
| Progressive | $2,087 | $3,564 | $4,131 | $3,011 |
| State Farm | $3,042 | $3,625 | $6,837 | $3,528 |
| Travelers | $2,423 | $4,020 | $4,640 | $3,614 |
| USAA | $1,797 | $2,676 | $4,377 | $1,968 |
Torrance, CA Car Insurance Rates With a DUI
Even a single DUI can increase your Torrance, CA car insurance rates. Compare rates below to see which Torrance car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,503 |
| Farmers | $6,726 |
| Geico | $4,093 |
| Liberty Mutual | $3,342 |
| Nationwide | $7,013 |
| Progressive | $4,131 |
| State Farm | $6,837 |
| Travelers | $4,640 |
| USAA | $4,377 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Torrance, CA Car Insurance Rates by ZIP Code
Just like Torrance car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Torrance, CA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 90501 | $5,429 |
| 90503 | $5,173 |
| 90504 | $5,309 |
| 90505 | $5,215 |
| 90506 | $5,461 |
Torrance, CA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Torrance, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Torrance companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,240 | $5,172 |
| Farmers | $4,871 | $5,870 |
| Geico | $2,747 | $3,302 |
| Liberty Mutual | $2,920 | $3,445 |
| Nationwide | $4,094 | $5,181 |
| Progressive | $2,900 | $3,497 |
| State Farm | $4,102 | $4,414 |
| Travelers | $3,305 | $4,044 |
| USAA | $2,493 | $2,917 |
Torrance, CA Cheapest Car Insurance Rates
How do the top Torrance, California car insurance companies’ average rates stack up against the Torrance average monthly car insurance rates of $322? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Torrance, CA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Torrance, California car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,706 |
| Farmers | $5,370 |
| Geico | $3,024 |
| Liberty Mutual | $3,183 |
| Nationwide | $4,637 |
| Progressive | $3,198 |
| State Farm | $4,258 |
| Travelers | $3,674 |
| USAA | $2,705 |
Other Factors Affecting Torrance, CA Car Insurance Rates
Before you buy Torrance, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Torrance, CA Car Theft Rates
The car theft rate in Torrance, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Torrance, California is 283 stolen cars.
Torrance, CA Commute Time
How does your Torrance, CA commute time compare with the average driver? In Torrance, the average commute is 29.2 minutes.
Torrance, CA Car Insurance Quotes
Compare Torrance, CA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.