Cheapest and Best Car Insurance in Downey, CA (July 2024)


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Updated: July 10, 2024

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In Downey, California, Progressive offers the lowest price for minimum and full coverage, while GEICO has the best rates for families with teenagers.

For customer service, Chubb leads. Capital Insurance Group, which balances cost with service, provides the best overall value. Your optimal choice will align with your own service and coverage requirements.

MoneyGeek Logo IconBest & CheapestCar InsuranceDowney
2024

Cheapest and Best Car Insurance in Downey

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Downey, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Downey insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered, and financial stability.

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These rates reflect the cheapest car insurance quotes in Downey, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Downey

Progressive offers the cheapest car insurance in Downey, ensuring that consumers get the most value for their car insurance dollar.

  • Progressive: $501 per year
  • GEICO: $541 per year

Nationwide offers the most expensive minimum coverage policy in Downey, with an annual premium difference of $400 compared with Progressive. This contrast in pricing highlights the need for drivers to compare rates and shop around to find the best car insurance deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
ProgressiveAnnual Premium$501Monthly Premium$42
GEICOAnnual Premium$541Monthly Premium$45
MercuryAnnual Premium$584Monthly Premium$49
KemperAnnual Premium$629Monthly Premium$52
FarmersAnnual Premium$638Monthly Premium$53
AAAAnnual Premium$652Monthly Premium$54
Capital Insurance GroupAnnual Premium$684Monthly Premium$57
State NationalAnnual Premium$685Monthly Premium$57

State Minimum Liability Requirements

Across California, the minimum car insurance coverage required is set by state law.

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

For example, if you hold a minimum coverage policy and are at fault in an accident, your insurance would cover up to $15,000 for each injured person, with a maximum of $30,000 per accident. Should the injured party's expenses exceed these limits, you would be responsible for the difference out of pocket.

Cheapest Full Coverage Car Insurance in Downey

Progressive offers the cheapest full coverage car insurance in Downey, making it an excellent option for budget-conscious drivers.

  • Progressive: $1,223 per year
  • National General: $1,416 per year

Full coverage policies are pricier than minimum coverage because they provide more comprehensive protection, covering a range of incidents beyond just liability.

Travelers offers the most expensive full coverage policy in Downey at $2,337 annually. This signifies a $1,114 difference compared to Progressive, underlining the importance of comparing rates to ensure you're not overpaying.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,223Monthly Premium$102
National GeneralAnnual Premium$1,416Monthly Premium$118
GEICOAnnual Premium$1,451Monthly Premium$121
AAAAnnual Premium$1,468Monthly Premium$122
AllstateAnnual Premium$1,488Monthly Premium$124
MercuryAnnual Premium$1,544Monthly Premium$129
Capital Insurance GroupAnnual Premium$1,607Monthly Premium$134
State NationalAnnual Premium$1,623Monthly Premium$135

Do You Need Full Coverage in California?

A full coverage policy in Downey includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Downey After a Driving Offense

The cheapest car insurance options in Downey vary depending on the specific driving offense. If you’re seeking the cheapest company for drivers with a poor driving record, compare rates tailored to the type of infraction:

  • Speeding ticket: National General ($1,486 per year)
  • At-fault accident: Capital Insurance Group ($1,890 per year)
  • DUI: National General ($1,486 per year)

This showcases how the severity of driving infractions can substantially alter car insurance rates. Hartford has the highest rates for DUI offenses at $6,395 per year, which is $4,909 more than that with National General.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,486Monthly Premium$124
Capital Insurance GroupAnnual Premium$1,851Monthly Premium$154
AAAAnnual Premium$1,904Monthly Premium$159
MercuryAnnual Premium$2,043Monthly Premium$170
GEICOAnnual Premium$2,159Monthly Premium$180
AllstateAnnual Premium$2,173Monthly Premium$181
KemperAnnual Premium$2,244Monthly Premium$187
State NationalAnnual Premium$2,309Monthly Premium$192

Insurance rates in cities like Downey typically increase with the severity of a driving infraction, reflecting greater risk for insurers. For instance, drivers with a speeding ticket might face an average annual premium of $2,483, while those with a DUI offense could see their rates soar to $4,166.

People with driving offenses should diligently compare insurance quotes because this could potentially lead to substantial savings on their car insurance expenses.

Cheapest Car Insurance in Downey for Teens and Their Families

Farmers offers the cheapest car insurance for teens in Downey.

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

The premium includes coverage for a combination of two parents and a teen. Nationwide stands as the most expensive option, with family annual premiums reaching $6,430 for female teens. This significant price disparity underscores the importance of comparing quotes, especially when insuring high-risk drivers such as teenagers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,278Individual Plan Monthly Premium$4,832
State FarmFamily Plan Annual Premium$3,493Individual Plan Monthly Premium$3,867
GEICOFamily Plan Annual Premium$3,673Individual Plan Monthly Premium$4,148
Capital Insurance GroupFamily Plan Annual Premium$3,675Individual Plan Monthly Premium$3,589
AllstateFamily Plan Annual Premium$3,715Individual Plan Monthly Premium$4,002
ProgressiveFamily Plan Annual Premium$3,736Individual Plan Monthly Premium$4,105
TravelersFamily Plan Annual Premium$4,542Individual Plan Monthly Premium$4,106
KemperFamily Plan Annual Premium$5,206Individual Plan Monthly Premium$6,950

Teen drivers in Downey and surrounding cities face vastly higher car insurance premiums when purchasing an individual policy as opposed to joining a family plan. On average, an individual teen policy costs around $5,051 annually, significantly higher than the $4,216 average for teens added to a family policy. This difference in rates stems from the increased risk insurers associate with inexperienced, adolescent drivers.

Furthermore, teenagers may struggle to secure an individual policy due to stringent underwriting standards that typically require a more established driving record and credit history. Consequently, it’s often more practical and economical for teens to be insured under a family car insurance plan.

Cheapest Car Insurance in Downey for Military Drivers

In Downey, Progressive offers the cheapest car insurance for military backgrounds.

  • Progressive: $1,223 per year
  • USAA: $1,375 per year

USAA, the second-cheapest option, provides service that's tailored specifically to the needs of active-duty military members. It is therefore a valuable option for those who qualify.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,223Monthly Premium$102
USAAAnnual Premium$1,375Monthly Premium$115
National GeneralAnnual Premium$1,416Monthly Premium$118
GEICOAnnual Premium$1,451Monthly Premium$121
AAAAnnual Premium$1,468Monthly Premium$122
AllstateAnnual Premium$1,488Monthly Premium$124
MercuryAnnual Premium$1,544Monthly Premium$129
Capital Insurance GroupAnnual Premium$1,607Monthly Premium$134

How to Compare Cheap Downey Car Insurance Quotes Online

In Downey, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 15, 2024

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Best Car Insurance in Downey: Overview

Selecting the best auto insurance hinges on your priorities, such as service level, cost, and coverage options. The Downey's top insurers for varying customer preferences are:

  • Best overall: Capital Insurance Group (MoneyGeek score: 82 out of 100)
  • Best for service: Chubb (MoneyGeek score: 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score: 77 out of 100)

Those prioritizing costs alongside service might find Mercury's policy to be the most advantageous. Chubb scores highest for customer service. Capital Insurance Group emerges as the well-balanced option, offering strong performance in both service and affordability.

Overall Best Car Insurance in Downey

Capital Insurance Group offers the best option for car insurance in Downey, with a comprehensive policy that customers can rely on.:

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,607 per year)
  • Chubb: MoneyGeek score of 80 out of 100 ($2,138 per year)

Capital Insurance Group not only offers competitive pricing but also maintains high customer satisfaction, making it a leading contender for residents seeking a trustworthy and budget-friendly insurance provider for full coverage.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

Capital Insurance Group scored highly in customer satisfaction and claims handling. For coverages, its Custom Parts Coverage is particularly beneficial because it promises replacements with name brand auto parts, an assurance for those who value maintaining their vehicle's integrity with high-quality components.

Emphasizing practicality, Full Glass Coverage can alleviate the stress and expense of glass repairs, directly benefiting the customer. Capital Insurance Group also offers Roadside Assistance.

Best Car Insurance in Downey for Customer Service

Chubb is the best option in Downey, offering top-notch car insurance for customer service. This distinction is derived from an analysis focusing on general satisfaction, claims handling and coverage options without prioritizing rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,138 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,607 per year)

Chubb has high performance in claims satisfaction and the breadth of their coverage options. Customers seeking reliable and comprehensive car insurance in Downey will find Chubb to be a superior choice for their needs.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb offers Rental Car and/or Travel Reimbursement and also certain coverages that cater to specific needs. Original Equipment Manufacturer (OEM) Coverage, which is widely applicable, ensures that vehicle repairs use original parts, essential for maintaining car integrity and value.

Its Antique/Classic Car Insurance is also notable, offering tailored protection for classic car enthusiasts. Additionally, Diminished Value Coverage allows you to recover the potential loss in resale value after an accident.

Best Cheap Car Insurance in Downey

Mercury offers the best option for cheap car insurance in Downey, prioritizing the financial ease of its customers without compromising on quality service. The MoneyGeek score, with a special focus on affordability, reflects the balancing act between cost, claims handling and customer satisfaction.

  • Mercury: MoneyGeek score of 77 out of 100 ($584 per year)
  • Capital Insurance Group: MoneyGeek score of 76 out of 100 ($684 per year)

Mercury stands out not only for its impressive affordability but also for its strong claims handling and customer satisfaction. This score based on a minimum coverage policy, accentuiating the value Mercury offers to drivers in Downey looking for reliable yet financially manageable car insurance.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
77/ of 100

Overview

With an annual premium as low as $584, the average driver pays a remarkably affordable rate for minimum coverage with Mercury. Mercury offers discounts such as an Anti-theft system and a rarer discount for teachers.

Mercury provides discounts for Bundling, Multiple Car, and Safe driving. Drivers benefit from Automatic payment, ensuring payments are made on time and without hassle — a convenient money-saver. Additionally, Mercury rewards eco-conscious customers with Paperless billing, an appealing option that saves paperwork and can lead to further savings on your insurance costs.

Average Cost of Car Insurance in Downey

Residents of Downey, California, face an average car insurance premium of $1,722, which lies above the statewide average of $1,562. When compared to the average cost of car insurance in California, Downey's average cost is higher by $160. However, California's average comes in at a lower rate when set against the national average premium of $1,781.

The calculus behind car insurance premiums is complex, because it encompasses a variety of factors, of which location is paramount. Insurers weigh the risk factors associated with specific locales, considering accident rates, thefts and local laws — variables that can significantly impact rates.

Santa Maria enjoys the cheapest insurance premium at $1,106, while Glendale stands out with the highest at $2,115, showcasing a striking $1,009 difference within California. Rates can dip even further in less populous, non-metropolitan areas where traffic density lessens and the risk of collisions drops.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.