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Your driver profile and needs will help determine which company has the cheapest rate.

GEICO offers the cheapest minimum coverage policy. Progressive has the most affordable full coverage policy and is best for those looking for a blend of affordability and quality service.

National General has the least expensive premium for drivers with a violation. Farmers is the cheapest for teens.

The best and cheapest company for military families is USAA. If you value customer service, MoneyGeek’s top pick is Chubb.

MoneyGeek Logo IconCheapest + BestCar InsuranceDowney
2023

Cheapest and Best Car Insurance in Downey, CA

Cheapest Minimum Liability Car Insurance in Downey

Downey drivers looking for a car insurance policy with minimum coverage can find, on average, the cheapest from the following companies:

  • GEICO: $471 per year
  • Progressive: $496 per year

Chubb has the most expensive minimum coverage policy, with an average cost of $900 per year.

Location affects the cost of car insurance. The most affordable option may vary depending on where you live in the state. The cheapest auto insurance provider in California for minimum liability coverage is CSAA at around $125 per year as of October 2022. Downey car insurance tends to be more expensive than the lowest price in the state as a whole.

Company
Annual Premium
Monthly Premium

GEICO

$466

$39

GEICO

$471

$39

State Farm

$489

$41

Progressive

$496

$41

Progressive

$503

$42

AAA California

$538

$45

Mercury

$539

$45

Mercury

$553

$46

GEICO

$557

$46

AAA California

$563

$47

Progressive

$589

$49

Kemper

$629

$52

Travelers

$645

$54

Travelers

$646

$54

State Farm

$646

$54

State National

$665

$55

Farmers

$673

$56

Mercury

$680

$57

Hartford

$682

$57

State National

$685

$57

Allstate

$685

$57

AAA California

$687

$57

Farmers

$693

$58

Allstate

$695

$58

Capital Insurance Group

$719

$60

Kemper

$725

$60

Nationwide

$735

$61

Travelers

$738

$61

State Farm

$739

$62

Capital Insurance Group

$745

$62

Allstate

$746

$62

National General

$757

$63

Nationwide

$762

$64

National General

$780

$65

Farmers

$785

$65

Hartford

$791

$66

State National

$808

$67

Capital Insurance Group

$835

$70

Chubb

$900

$75

Chubb

$929

$77

National General

$936

$78

Nationwide

$958

$80

Kemper

$963

$80

Hartford

$1,054

$88

Progressive

$1,168

$97

Progressive

$1,171

$98

State Farm

$1,185

$99

National General

$1,193

$99

National General

$1,213

$101

GEICO

$1,221

$102

AAA California

$1,257

$105

GEICO

$1,263

$105

AAA California

$1,272

$106

Chubb

$1,301

$108

Allstate

$1,302

$108

Mercury

$1,347

$112

Allstate

$1,376

$115

Mercury

$1,378

$115

Progressive

$1,409

$117

National General

$1,453

$121

GEICO

$1,460

$122

Hartford

$1,480

$123

Capital Insurance Group

$1,483

$124

State National

$1,506

$126

State Farm

$1,519

$127

Allstate

$1,527

$127

Capital Insurance Group

$1,570

$131

State National

$1,623

$135

Nationwide

$1,626

$135

AAA California

$1,674

$140

Kemper

$1,689

$141

Travelers

$1,693

$141

Hartford

$1,716

$143

Farmers

$1,747

$146

Nationwide

$1,761

$147

Capital Insurance Group

$1,768

$147

Travelers

$1,768

$147

State Farm

$1,774

$148

Farmers

$1,790

$149

Mercury

$1,798

$150

State National

$1,995

$166

Kemper

$2,075

$173

Travelers

$2,104

$175

Farmers

$2,119

$177

Chubb

$2,138

$178

Chubb

$2,206

$184

Hartford

$2,266

$189

Nationwide

$2,287

$191

Kemper

$2,529

$211

Chubb

$3,156

$263

A minimum coverage policy is based on state auto insurance requirements. In California, the policy only covers bodily injury and property damage with the following limits:

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per accident
  • $5,000 property damage coverage per accident

California’s minimum coverage policy only has liability coverage, which pays the cost of injuries/damages the other driver and their passengers incur in an accident. The limits determine the maximum amount the insurance company will pay. For example, if you’re involved in an at-fault accident, the policy pays for up to $15,000 in bodily injury for any given person for a maximum of $30,000 per accident. If the total expenses exceed this, you’ll have to pay the rest out of pocket.

Cheapest Full Coverage Car Insurance in Downey

On average, the following companies offer the least expensive full coverage car insurance in Downey:

  • Progressive: $1,171 per year
  • National General: $1,193 per year

Based on average rates, Chubb is the most expensive company in Downey; the cost of its full coverage policy is $2,138.

Company
Annual Premium
Monthly Premium

GEICO

$466

$39

GEICO

$471

$39

State Farm

$489

$41

Progressive

$496

$41

Progressive

$503

$42

AAA California

$538

$45

Mercury

$539

$45

Mercury

$553

$46

GEICO

$557

$46

AAA California

$563

$47

Progressive

$589

$49

Kemper

$629

$52

Travelers

$645

$54

Travelers

$646

$54

State Farm

$646

$54

State National

$665

$55

Farmers

$673

$56

Mercury

$680

$57

Hartford

$682

$57

State National

$685

$57

Allstate

$685

$57

AAA California

$687

$57

Farmers

$693

$58

Allstate

$695

$58

Capital Insurance Group

$719

$60

Kemper

$725

$60

Nationwide

$735

$61

Travelers

$738

$61

State Farm

$739

$62

Capital Insurance Group

$745

$62

Allstate

$746

$62

National General

$757

$63

Nationwide

$762

$64

National General

$780

$65

Farmers

$785

$65

Hartford

$791

$66

State National

$808

$67

Capital Insurance Group

$835

$70

Chubb

$900

$75

Chubb

$929

$77

National General

$936

$78

Nationwide

$958

$80

Kemper

$963

$80

Hartford

$1,054

$88

Progressive

$1,168

$97

Progressive

$1,171

$98

State Farm

$1,185

$99

National General

$1,193

$99

National General

$1,213

$101

GEICO

$1,221

$102

AAA California

$1,257

$105

GEICO

$1,263

$105

AAA California

$1,272

$106

Chubb

$1,301

$108

Allstate

$1,302

$108

Mercury

$1,347

$112

Allstate

$1,376

$115

Mercury

$1,378

$115

Progressive

$1,409

$117

National General

$1,453

$121

GEICO

$1,460

$122

Hartford

$1,480

$123

Capital Insurance Group

$1,483

$124

State National

$1,506

$126

State Farm

$1,519

$127

Allstate

$1,527

$127

Capital Insurance Group

$1,570

$131

State National

$1,623

$135

Nationwide

$1,626

$135

AAA California

$1,674

$140

Kemper

$1,689

$141

Travelers

$1,693

$141

Hartford

$1,716

$143

Farmers

$1,747

$146

Nationwide

$1,761

$147

Capital Insurance Group

$1,768

$147

Travelers

$1,768

$147

State Farm

$1,774

$148

Farmers

$1,790

$149

Mercury

$1,798

$150

State National

$1,995

$166

Kemper

$2,075

$173

Travelers

$2,104

$175

Farmers

$2,119

$177

Chubb

$2,138

$178

Chubb

$2,206

$184

Hartford

$2,266

$189

Nationwide

$2,287

$191

Kemper

$2,529

$211

Chubb

$3,156

$263

A full coverage policy often has higher liability limits than minimum coverage and includes comprehensive and collision insurance.

  • Collision Insurance: Covers damages to your vehicle due to an at-fault accident, such as a collision with another vehicle or an object
  • Comprehensive Insurance: Covers damages caused by non-accident incidents, including weather-related events, animal damage, theft and vandalism

Although full coverage provides more protection, it can cost much more than minimum coverage or liability-only insurance. If your car is older and has a low value, it may not be worth paying potentially hundreds of dollars more a year for full coverage.

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Cheapest Car Insurance in Downey After a Driving Offense

On average, the cheapest car insurance companies in Downey for drivers with a violation are:

  • Speeding ticket: National General ($1,254 per year)
  • At-fault accident: National General ($1,776 per year)
  • DUI: National General ($1,254 per year)

The average highest car insurance rates are from Nationwide at $3,060 per year for a speeding ticket, Kemper at $3,714 per year for an at-fault accident and Hartford at $6,374 per year for a DUI.

Driving violations typically lead to a higher car insurance premium. Drivers with poor records won’t get rates as cheap as those offered to people with no violations.

Company
Annual Premium
Monthly Premium

Mercury

$694

$58

GEICO

$712

$59

Mercury

$713

$59

AAA California

$718

$60

GEICO

$720

$60

State Farm

$742

$62

AAA California

$751

$63

State Farm

$776

$65

National General

$799

$67

National General

$799

$67

Capital Insurance Group

$799

$67

National General

$825

$69

National General

$825

$69

Capital Insurance Group

$828

$69

GEICO

$832

$69

Capital Insurance Group

$833

$69

Kemper

$836

$70

GEICO

$842

$70

GEICO

$849

$71

AAA California

$858

$71

Capital Insurance Group

$863

$72

Mercury

$869

$72

Mercury

$882

$74

Progressive

$891

$74

Mercury

$893

$74

AAA California

$899

$75

Progressive

$906

$75

Farmers

$919

$77

Farmers

$919

$77

AAA California

$920

$77

Capital Insurance Group

$930

$78

Farmers

$944

$79

Farmers

$944

$79

State National

$945

$79

State National

$945

$79

Allstate

$960

$80

Kemper

$964

$80

Mercury

$967

$81

Capital Insurance Group

$971

$81

State National

$973

$81

State National

$973

$81

Allstate

$974

$81

State Farm

$983

$82

Progressive

$983

$82

National General

$990

$82

National General

$990

$82

GEICO

$994

$83

Mercury

$995

$83

Hartford

$998

$83

Hartford

$998

$83

Progressive

$1,001

$83

Travelers

$1,007

$84

Travelers

$1,009

$84

State Farm

$1,026

$85

Allstate

$1,051

$88

Progressive

$1,072

$89

Farmers

$1,072

$89

Farmers

$1,072

$89

Progressive

$1,074

$90

Progressive

$1,097

$91

Mercury

$1,101

$92

AAA California

$1,102

$92

Allstate

$1,106

$92

State Farm

$1,122

$93

Allstate

$1,124

$94

Travelers

$1,128

$94

Travelers

$1,130

$94

Nationwide

$1,140

$95

National General

$1,141

$95

GEICO

$1,143

$95

Farmers

$1,147

$96

State National

$1,151

$96

State National

$1,151

$96

GEICO

$1,156

$96

Travelers

$1,161

$97

Chubb

$1,166

$97

Hartford

$1,171

$98

Hartford

$1,171

$98

State Farm

$1,173

$98

National General

$1,176

$98

Farmers

$1,178

$98

Nationwide

$1,184

$99

Progressive

$1,186

$99

Chubb

$1,193

$99

Allstate

$1,215

$101

Mercury

$1,230

$103

National General

$1,254

$105

National General

$1,254

$105

Capital Insurance Group

$1,254

$105

Nationwide

$1,272

$106

National General

$1,275

$106

National General

$1,275

$106

Kemper

$1,284

$107

Progressive

$1,300

$108

Travelers

$1,300

$108

Capital Insurance Group

$1,300

$108

Nationwide

$1,322

$110

Farmers

$1,339

$112

Travelers

$1,363

$114

Travelers

$1,363

$114

GEICO

$1,367

$114

National General

$1,415

$118

Chubb

$1,421

$118

Kemper

$1,421

$118

Kemper

$1,421

$118

Chubb

$1,450

$121

Capital Insurance Group

$1,462

$122

Nationwide

$1,493

$124

National General

$1,528

$127

National General

$1,528

$127

State Farm

$1,531

$128

Chubb

$1,564

$130

Travelers

$1,577

$131

Hartford

$1,594

$133

Hartford

$1,594

$133

AAA California

$1,626

$135

AAA California

$1,646

$137

Nationwide

$1,668

$139

Capital Insurance Group

$1,698

$142

State National

$1,713

$143

Kemper

$1,728

$144

Kemper

$1,728

$144

Capital Insurance Group

$1,739

$145

State Farm

$1,755

$146

State National

$1,766

$147

National General

$1,776

$148

Mercury

$1,780

$148

Capital Insurance Group

$1,802

$150

National General

$1,807

$151

Chubb

$1,821

$152

Mercury

$1,824

$152

GEICO

$1,832

$153

State Farm

$1,839

$153

Capital Insurance Group

$1,843

$154

Chubb

$1,847

$154

AAA California

$1,861

$155

Chubb

$1,875

$156

GEICO

$1,894

$158

Allstate

$1,901

$158

AAA California

$1,919

$160

AAA California

$1,928

$161

AAA California

$1,950

$163

Allstate

$1,996

$166

Allstate

$2,014

$168

State Farm

$2,024

$169

Nationwide

$2,028

$169

Allstate

$2,029

$169

Capital Insurance Group

$2,035

$170

GEICO

$2,047

$171

Capital Insurance Group

$2,081

$173

State National

$2,100

$175

Nationwide

$2,108

$176

GEICO

$2,111

$176

State National

$2,143

$179

State National

$2,143

$179

National General

$2,167

$181

AAA California

$2,169

$181

Kemper

$2,187

$182

Kemper

$2,187

$182

GEICO

$2,191

$183

Allstate

$2,199

$183

Progressive

$2,207

$184

Progressive

$2,210

$184

Hartford

$2,219

$185

Hartford

$2,219

$185

Mercury

$2,227

$186

Allstate

$2,243

$187

Kemper

$2,244

$187

Chubb

$2,246

$187

State Farm

$2,254

$188

Mercury

$2,281

$190

State National

$2,309

$192

State National

$2,309

$192

State Farm

$2,310

$192

State Farm

$2,359

$197

Allstate

$2,372

$198

Mercury

$2,382

$199

Mercury

$2,383

$199

AAA California

$2,399

$200

Progressive

$2,404

$200

Progressive

$2,406

$200

Farmers

$2,413

$201

Farmers

$2,413

$201

Mercury

$2,432

$203

Hartford

$2,443

$204

GEICO

$2,445

$204

Farmers

$2,475

$206

Farmers

$2,475

$206

Allstate

$2,524

$210

Nationwide

$2,528

$211

AAA California

$2,544

$212

Hartford

$2,586

$216

Hartford

$2,586

$216

Travelers

$2,602

$217

State Farm

$2,630

$219

Capital Insurance Group

$2,658

$222

Nationwide

$2,667

$222

Progressive

$2,672

$223

Travelers

$2,710

$226

Nationwide

$2,740

$228

Progressive

$2,743

$229

Progressive

$2,749

$229

State Farm

$2,754

$230

Kemper

$2,759

$230

Chubb

$2,810

$234

Nationwide

$2,821

$235

Capital Insurance Group

$2,821

$235

Allstate

$2,822

$235

State National

$2,843

$237

State National

$2,843

$237

Chubb

$2,880

$240

Travelers

$2,909

$242

Hartford

$2,912

$243

Progressive

$2,913

$243

Farmers

$2,931

$244

Farmers

$2,931

$244

GEICO

$2,933

$244

Mercury

$2,981

$248

Farmers

$3,017

$251

Travelers

$3,023

$252

GEICO

$3,030

$253

Nationwide

$3,060

$255

Farmers

$3,093

$258

Mercury

$3,173

$264

Capital Insurance Group

$3,185

$265

Travelers

$3,248

$271

Progressive

$3,329

$277

Kemper

$3,365

$280

Hartford

$3,447

$287

Hartford

$3,447

$287

Chubb

$3,462

$288

GEICO

$3,508

$292

Chubb

$3,535

$295

Nationwide

$3,569

$297

Travelers

$3,629

$302

Travelers

$3,633

$303

State Farm

$3,635

$303

Farmers

$3,662

$305

Kemper

$3,714

$309

Kemper

$3,714

$309

Travelers

$3,792

$316

Chubb

$3,830

$319

AAA California

$3,911

$326

AAA California

$3,940

$328

Nationwide

$3,989

$332

State National

$4,003

$334

Hartford

$4,063

$339

Allstate

$4,175

$348

State National

$4,319

$360

Allstate

$4,439

$370

Chubb

$4,483

$374

Nationwide

$4,503

$375

Chubb

$4,546

$379

Travelers

$4,574

$381

Chubb

$4,616

$385

State Farm

$4,668

$389

Kemper

$4,696

$391

Kemper

$4,696

$391

Nationwide

$4,889

$407

Allstate

$4,962

$414

AAA California

$5,200

$433

State National

$5,334

$445

Hartford

$5,422

$452

State Farm

$5,446

$454

Chubb

$5,569

$464

Kemper

$5,579

$465

Kemper

$5,579

$465

Hartford

$6,374

$531

Nationwide

$6,391

$533

Hartford

$8,638

$720

Generally, car insurance rates increase with the severity of the violation. For instance, Downey drivers with a speeding ticket pay an average of $2,171 per year for a full coverage policy. A DUI may cost roughly $3,740 annually. That’s $1,569 more per year.

But there are ways to find cheap auto insurance with a bad driving record.

Cheapest Car Insurance in Downey for Teens and Their Families

The least expensive auto insurance providers, on average, for teenage drivers on a family policy in Downey are:

  • Farmers: $3,278 per year for female and male teens
  • State Farm: $3,493 per year for female and male teens

Nationwide has the highest average car insurance rate. Having a teen on its policy costs a family around $6,430 annually.

Some companies charge male teens more than female teens because the former are seen as riskier to insure. The difference in rate typically drops off in early adulthood. In Downey, Farmers and State Farm charge the same rate for female and male teens.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,623

$2,613

GEICO

$1,662

$2,674

GEICO

$1,665

$2,945

GEICO

$1,683

$2,810

GEICO

$1,702

$2,740

GEICO

$1,711

$3,028

GEICO

$1,735

$3,199

GEICO

$1,758

$3,110

Progressive

$1,796

$2,865

Progressive

$1,796

$2,865

GEICO

$1,927

$2,885

Progressive

$1,944

$3,101

Progressive

$1,944

$3,101

Capital Insurance Group

$1,951

$2,505

Capital Insurance Group

$1,951

$2,505

GEICO

$1,991

$3,295

Allstate

$2,037

$3,330

Allstate

$2,037

$3,330

Progressive

$2,080

$3,832

Progressive

$2,080

$3,832

Allstate

$2,133

$3,486

Allstate

$2,133

$3,486

Progressive

$2,178

$3,474

Progressive

$2,178

$3,474

Allstate

$2,187

$3,873

Allstate

$2,187

$3,873

Allstate

$2,209

$3,611

Allstate

$2,209

$3,611

Kemper

$2,220

$4,454

Kemper

$2,220

$4,454

Capital Insurance Group

$2,221

$2,968

Capital Insurance Group

$2,221

$2,968

Nationwide

$2,235

$4,649

Nationwide

$2,235

$4,649

Farmers

$2,245

$3,208

Farmers

$2,245

$3,208

Capital Insurance Group

$2,311

$2,968

Capital Insurance Group

$2,311

$2,968

Capital Insurance Group

$2,311

$2,968

Capital Insurance Group

$2,311

$2,968

Kemper

$2,344

$4,703

Kemper

$2,344

$4,703

Allstate

$2,344

$3,891

Allstate

$2,344

$3,891

State Farm

$2,411

$3,534

State Farm

$2,411

$3,534

Nationwide

$2,451

$5,098

Nationwide

$2,451

$5,098

Kemper

$2,467

$5,530

Kemper

$2,467

$5,530

GEICO

$2,481

$4,194

State Farm

$2,508

$3,676

State Farm

$2,508

$3,676

Farmers

$2,514

$3,721

Farmers

$2,514

$3,721

Nationwide

$2,529

$5,830

Nationwide

$2,529

$5,830

Travelers

$2,538

$3,503

Travelers

$2,538

$3,503

Kemper

$2,549

$5,115

Kemper

$2,549

$5,115

State Farm

$2,552

$3,988

State Farm

$2,552

$3,988

State Farm

$2,566

$3,761

State Farm

$2,566

$3,761

GEICO

$2,578

$4,838

Capital Insurance Group

$2,579

$3,338

Capital Insurance Group

$2,579

$3,338

Progressive

$2,580

$4,203

Progressive

$2,580

$4,203

Farmers

$2,603

$3,721

Farmers

$2,603

$3,721

Farmers

$2,603

$3,721

Farmers

$2,603

$3,721

Nationwide

$2,627

$5,464

Nationwide

$2,627

$5,464

Travelers

$2,628

$3,626

Travelers

$2,628

$3,626

Capital Insurance Group

$2,674

$3,338

Capital Insurance Group

$2,674

$3,338

Travelers

$2,681

$3,891

Travelers

$2,681

$3,891

Allstate

$2,688

$4,959

Allstate

$2,688

$4,959

GEICO

$2,713

$4,062

Allstate

$2,732

$4,535

Allstate

$2,732

$4,535

State Farm

$2,734

$4,066

State Farm

$2,734

$4,066

Travelers

$2,738

$3,778

Travelers

$2,738

$3,778

Farmers

$2,811

$4,267

Farmers

$2,811

$4,267

GEICO

$2,821

$4,669

Kemper

$2,858

$5,863

Kemper

$2,858

$5,863

Capital Insurance Group

$2,864

$3,707

Capital Insurance Group

$2,864

$3,707

State Farm

$2,903

$4,528

State Farm

$2,903

$4,528

State Farm

$2,929

$4,356

State Farm

$2,929

$4,356

Nationwide

$2,960

$6,391

Nationwide

$2,960

$6,391

Travelers

$2,991

$4,084

Travelers

$2,991

$4,084

Farmers

$3,039

$4,914

Farmers

$3,039

$4,914

Farmers

$3,067

$4,655

Farmers

$3,067

$4,655

Kemper

$3,095

$6,351

Kemper

$3,095

$6,351

Kemper

$3,122

$7,002

Kemper

$3,122

$7,002

Farmers

$3,199

$6,332

Farmers

$3,199

$6,332

Progressive

$3,217

$5,948

Progressive

$3,217

$5,948

State Farm

$3,226

$5,741

State Farm

$3,226

$5,741

Travelers

$3,246

$4,712

Travelers

$3,246

$4,712

Farmers

$3,278

$6,622

Farmers

$3,278

$6,622

Farmers

$3,288

$6,508

Farmers

$3,288

$6,508

Travelers

$3,296

$4,500

Travelers

$3,296

$4,500

Progressive

$3,418

$5,569

Progressive

$3,418

$5,569

State Farm

$3,420

$6,087

State Farm

$3,420

$6,087

GEICO

$3,427

$6,066

State Farm

$3,493

$6,820

State Farm

$3,493

$6,820

Allstate

$3,587

$7,131

Allstate

$3,587

$7,131

GEICO

$3,592

$7,050

Nationwide

$3,648

$8,836

Nationwide

$3,648

$8,836

GEICO

$3,673

$6,773

Capital Insurance Group

$3,675

$4,587

Capital Insurance Group

$3,675

$4,587

Capital Insurance Group

$3,675

$4,587

Capital Insurance Group

$3,675

$4,587

Capital Insurance Group

$3,675

$4,587

Capital Insurance Group

$3,675

$4,587

Progressive

$3,712

$7,562

Progressive

$3,712

$7,562

Allstate

$3,715

$7,512

Allstate

$3,715

$7,512

Progressive

$3,736

$7,629

Progressive

$3,736

$7,629

Progressive

$3,751

$7,641

Progressive

$3,751

$7,641

GEICO

$3,768

$6,670

Allstate

$3,778

$7,512

Allstate

$3,778

$7,512

GEICO

$3,873

$7,970

Nationwide

$3,891

$8,401

Nationwide

$3,891

$8,401

GEICO

$3,966

$7,785

Travelers

$4,338

$5,941

Travelers

$4,338

$5,941

Travelers

$4,532

$6,207

Travelers

$4,532

$6,207

Travelers

$4,542

$6,514

Travelers

$4,542

$6,514

Kemper

$4,709

$9,561

Kemper

$4,709

$9,561

Kemper

$5,159

$10,474

Kemper

$5,159

$10,474

Kemper

$5,206

$11,675

Kemper

$5,206

$11,675

Nationwide

$5,541

$11,945

Nationwide

$5,541

$11,945

Nationwide

$6,230

$13,431

Nationwide

$6,230

$13,431

Nationwide

$6,430

$16,210

Nationwide

$6,430

$16,210

Car insurance rates tend to be much more expensive if a teen purchases their own policy. The average annual cost of including a teen on a family policy in Downey is $3,825. An individual policy costs an average of $4,498 for a young driver, which is around $673 more.

Taking extra steps to find the cheapest auto insurance for teenagers can help you save in the long run.

Cheapest Car Insurance in Downey for Military Drivers

Active-duty and veteran military families may find the average cheapest car insurance rates in Downey from the following companies:

  • USAA: $1,044 per year
  • Progressive: $1,171 per year

These rates are for a full coverage policy. For minimum coverage, the cheapest auto insurance for military members in Downey is from USAA (around $467 per year) and GEICO (roughly $471 per year).

Company
Annual Premium
Monthly Premium

GEICO

$466

$39

USAA

$467

$39

USAA

$468

$39

GEICO

$471

$39

State Farm

$489

$41

Progressive

$496

$41

Progressive

$503

$42

AAA California

$538

$45

Mercury

$539

$45

Mercury

$553

$46

GEICO

$557

$46

AAA California

$563

$47

USAA

$565

$47

Progressive

$589

$49

Kemper

$629

$52

Travelers

$645

$54

Travelers

$646

$54

State Farm

$646

$54

State National

$665

$55

Farmers

$673

$56

Mercury

$680

$57

Hartford

$682

$57

State National

$685

$57

Allstate

$685

$57

AAA California

$687

$57

Farmers

$693

$58

Allstate

$695

$58

Capital Insurance Group

$719

$60

Kemper

$725

$60

Nationwide

$735

$61

Travelers

$738

$61

State Farm

$739

$62

Capital Insurance Group

$745

$62

Allstate

$746

$62

National General

$757

$63

Nationwide

$762

$64

National General

$780

$65

Farmers

$785

$65

Hartford

$791

$66

State National

$808

$67

Capital Insurance Group

$835

$70

Chubb

$900

$75

Chubb

$929

$77

National General

$936

$78

Nationwide

$958

$80

Kemper

$963

$80

USAA

$1,022

$85

USAA

$1,044

$87

Hartford

$1,054

$88

Progressive

$1,168

$97

Progressive

$1,171

$98

State Farm

$1,185

$99

National General

$1,193

$99

National General

$1,213

$101

GEICO

$1,221

$102

USAA

$1,250

$104

AAA California

$1,257

$105

GEICO

$1,263

$105

AAA California

$1,272

$106

Chubb

$1,301

$108

Allstate

$1,302

$108

Mercury

$1,347

$112

Allstate

$1,376

$115

Mercury

$1,378

$115

Progressive

$1,409

$117

National General

$1,453

$121

GEICO

$1,460

$122

Hartford

$1,480

$123

Capital Insurance Group

$1,483

$124

State National

$1,506

$126

State Farm

$1,519

$127

Allstate

$1,527

$127

Capital Insurance Group

$1,570

$131

State National

$1,623

$135

Nationwide

$1,626

$135

AAA California

$1,674

$140

Kemper

$1,689

$141

Travelers

$1,693

$141

Hartford

$1,716

$143

Farmers

$1,747

$146

Nationwide

$1,761

$147

Capital Insurance Group

$1,768

$147

Travelers

$1,768

$147

State Farm

$1,774

$148

Farmers

$1,790

$149

Mercury

$1,798

$150

State National

$1,995

$166

Kemper

$2,075

$173

Travelers

$2,104

$175

Farmers

$2,119

$177

Chubb

$2,138

$178

Chubb

$2,206

$184

Hartford

$2,266

$189

Nationwide

$2,287

$191

Kemper

$2,529

$211

Chubb

$3,156

$263

How to Compare Cheap Downey Car Insurance Quotes Online

Comparing personalized quotes from different companies can help you find the best and cheapest auto policy in Downey. You can start by getting quotes online. That can take around 15 minutes or more since you’ll have to enter a lot of personal information.

A quicker option is MoneyGeek’s car insurance calculator, which provides an estimate of how much your premium may cost based on your age, driving record, vehicle type and preferred coverage level.

Auto Insurance Calculator

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Progressive

Best Car Insurance in Downey: Summary

The best car insurance in Downey may vary due to differences in driver needs and priorities. How much you value affordability, service quality and coverage amounts also determines the right policy for you. The best car insurance providers in Downey, based on MoneyGeek’s analysis, are:

  • Best overall: Progressive (MoneyGeek score of 74 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Progressive (MoneyGeek score of 78 out of 100

For active and former military members, USAA is the best and cheapest insurer in Downey, scoring 85 out of 100.

A company’s overall MoneyGeek score may change since the factors are weighted differently in each category.

Your location can affect car insurance rates, which has an impact on affordability scores. For instance, the best auto insurance in California is from CSAA.

Best Overall Car Insurance in Downey

Considering service quality, affordability, financial stability and coverage, the overall best car insurance companies in Downey are:

  • Progressive: MoneyGeek score of 74 out of 100 ($1,171 per year)
  • GEICO: MoneyGeek score of 72 out of 100 ($1,263 per year)

Progressive ranks first with its overall MoneyGeek score, mainly driven by high affordability and coverage ratings. With Progressive, a Downey driver spends an average of $1,171 per year for a full coverage policy — the cheapest, open-to-all option in the city.

For military families in Downey, USAA is the overall best, with a MoneyGeek score of 85 out of 100 and a low price of around $1,044 annually.

How was this MoneyGeek score calculated?

Progressive

pros

Affordable premium

Offers essential coverages like roadside assistance and rental car reimbursement

Has gap insurance

cons

Low claims score

Doesn’t offer original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

Progressive scores high in affordability and offers multiple add-on coverages. It has the cheapest full coverage policy in Downey, with an average rate of $1,171 per year. A minimum coverage policy from Progressive is also generally cheaper than from other companies at around $496 per year.

Policyholders can purchase rare add-on coverages like custom parts and equipment, which pays for the repair or replacement of items added to your car. The coverage typically has a $5,000 limit.

A common add-on coverage is rental car reimbursement to pay for a rental car. While a vehicle is under repair as part of a claim, the coverage can pay for a rental car up to a certain amount per day and up to a specific number of days.

Roadside assistance coverage is also available for an additional cost. It pays for the cost of towing services and certain roadside repairs if the vehicle breaks down.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Downey for Customer Service

Excluding cost, the top auto insurance providers for customer service in Downey are:

  • Chubb: MoneyGeek score of 76 out of 100 ($2,138 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,570 per year)

Chubb got the highest claims score among the 15 companies offering car insurance in Downey that MoneyGeek included in this analysis. The company also received an excellent customer satisfaction rating.

Chubb is the best option for drivers who value customer service the most. However, its policies are relatively more expensive compared to other insurers in the city.

How was this MoneyGeek score calculated?

Chubb

pros

Excellent customer satisfaction rating

Great claims processing

Offers rental car reimbursement and OEM coverages

cons

Doesn’t offer some core coverages

COMPANY HIGHLIGHTS

Chubb is the best option for customer service in Downey, reflecting high customer satisfaction scores based on J.D. Power studies and the National Association of Insurance Commissioners (NAIC) customer complaint index. However, it doesn’t offer some core coverages like gap insurance.

Add-on coverages available to Chubb policyholders include original equipment manufacturer (OEM) coverage, which includes using original parts for repairs in the event of an accident. The rental car reimbursement coverage provides a car rental while your vehicle is under repair because of a claim. You can get up to $15,000 coverage with no per-day limit.

The company also offers unique coverages like antique/classic car insurance. That is a great option for a driver who owns a car that is at least 30 years old, a part of a vehicle collection or a limited model. To qualify, the vehicle must be garaged and only used for hobby purposes.

Best Cheap Car Insurance in Downey

The best insurers in Downey based on MoneyGeek’s analysis of affordability and service quality for an auto insurance policy that only meets California’s minimum coverage requirements are:

  • GEICO: MoneyGeek score of 78 out of 100 ($471 per year)
  • Progressive: MoneyGeek score of 75 out of 100 ($496 per year)

The most affordable minimum coverage policies have the lowest premiums in Downey. However, they offer the least amount of protection against liability costs. In the event of an at-fault accident, the policy does not pay for damages to the policyholder’s vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

Affordable minimum coverage policy that costs around $471 per year

Multiple discounts, including safe driving, multiple car and daytime running lights

cons

Doesn’t offer some common discounts like pay in full and distant student

Below-average coverage and claims scores

COMPANY HIGHLIGHTS

GEICO is the best insurance provider for cheap minimum coverage car insurance in Downey. It received the highest affordability rating and an above-average customer satisfaction score. A GEICO policy with minimum coverage costs an average of $471 per year, cheaper than the other insurers MoneyGeek analyzed in Downey.

The company offers discounts, which can further lower the cost of a car insurance policy. GEICO has common discounts like safe driving, multiple car, bundling and good student.

Although it doesn’t have other standard discounts, there are rarer discounts like daytime running lights. Special discounts are also available to active or retired federal employees and military members deployed in an emergency. Drivers who complete a defensive driving and/or driver’s education course can also get a lower rate.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Downey

The average cost of auto insurance varies by location. In Downey, drivers spend an average of $1,531 per year for full coverage auto insurance with the following liability limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident

Downey drivers typically spend around $102 more per year than the average cost of auto insurance in California ($1,429) as of October 2022 and roughly $107 more than the national average ($1,424).

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.