Cheapest and Best Car Insurance Companies in Downey, CA

Based on the latest quotes MoneyGeek collected for 2023, GEICO offers the most affordable minimum coverage policy in Downey, California. Progressive is the best overall company, balancing affordability and quality service.

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.

Cheapest + BestCar InsuranceDowney

2023

Cheapest and Best Car Insurance in Downey, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - Progressive

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - Progressive

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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).

Age Group

Coverage

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

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Cheapest and Best Car Insurance Companies in Downey, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Downey

Cheapest Full Coverage Car Insurance in Downey

Cheapest Car Insurance in Downey After a Driving Offense

Cheapest Car Insurance in Downey for Teens and Their Families

Cheapest Car Insurance in Downey for Military Drivers

How to Compare Cheap Downey Car Insurance Quotes Online

Best Car Insurance in Downey: Summary

Best Overall Car Insurance in Downey

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Downey for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Downey

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Downey