Compare the Cheapest Car Insurance Quotes in Downey, CA

The average annual car insurance rate in Downey is $1,573, which is higher than the state average of $1,429. According to MoneyGeek's research, Progressive is the cheapest insurer in Downey, offering an average rate of $1,194 annually. Using MoneyGeek's ratings of the best car insurance companies in Downey, you can determine which company provides affordable rates and great service. MoneyGeek also analyzed rates by coverage amount and driving history.

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Insurance Rates

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Last Updated: 5/16/2022
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Your driver profile and the coverage you choose will affect the cost of your car insurance, but so will the insurance company itself. In Downey, Progressive has the most affordable, widely available full coverage and state minimum policies on average. Esurance offers the cheapest option for drivers with a speeding ticket. For military families, USAA, in many instances, may provide the best coverage. MoneyGeek picked Auto Club of Southern California Insurance Group (AAA) as the best overall car insurance company in the city due to its balance of excellent customer service and affordability.

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The Cheapest and Best Car Insurance in Downey

The Cheapest Car Insurance Companies in Downey

In Downey, the most affordable, widely available full coverage car insurance is offered by:

  • Progressive: $1,194 per year
  • Esurance: $1,250 per year

Members of the military can opt for USAA, which is the second cheapest auto insurer in the city at an average yearly premium of $1,216.

Progressive is 65% (or $779) less than the average quote from Allied, which has the most expensive rate in Downey at $1,973 per year. A full coverage policy includes both comprehensive and collision insurance, but remember that the price you’re quoted may change depending on how much liability insurance you choose.

Cheapest Car Insurance in Downey
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Progressive
    $1,194
  • 2.
    USAA
    $1,216
  • 3.
    Esurance
    $1,250
  • 4.
    AAA
    $1,362
  • 5.
    GEICO
    $1,422
  • 6.
    Allstate
    $1,478
  • 7.
    MetLife
    $1,578
  • 8.
    Mercury
    $1,584
  • 9.
    State Farm
    $1,684
  • 10.
    Farmers
    $1,703
  • 11.
    Hartford
    $1,769
  • 12.
    Travelers
    $1,879
  • 13.
    Allied
    $1,973

As per MoneyGeek’s methodology, the average rates collected throughout this study were for our sample driver: a 40-year-old male carrying a full coverage policy.

Full coverage insurance covers any damages you cause or incur. Your insurance premiums will be much higher than liability-only because it typically adds comprehensive and collision coverage to your liability insurance.

  • Comprehensive insurance: Covers damage to your car caused by something other than an accident, including theft and weather-related events.
  • Collision insurance: Pays to repair damage to your car if you’re in an accident.

If you have an older car, you may wish to consider purchasing state minimum or liability-only insurance instead of full coverage. This is because your yearly premiums for full coverage may add up to more than your car’s replacement value.

Compare Car Insurance Rates in Downey

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Downey for Minimum Coverage

State minimum or liability-only insurance is always more affordable than full coverage. The cheapest car insurance in Downey for minimum coverage is:

  • Progressive: $495 per year
  • GEICO: $581

If you are in the military, you may be eligible for car insurance through USAA, which offers the second cheapest minimum coverage in Downey at $515 per year.

Progressive’s coverage costs $424 less than Allied’s, the city’s most expensive option at $919 yearly. Minimum coverage insurance is cheaper than other types of insurance since it doesn’t have the benefit of comprehensive and collision insurance.

Check the table below to see how insurance rates change with different liability limits.

Cheapest Minimum Liability Car Insurance in Downey
State Minimum

California drivers are required by law to maintain a car insurance policy that meets the state minimum requirement of 15/30/5 in liability coverage. This is the cheapest insurance option; however, you may end up paying much more in an accident.

For example, if you’re at fault in an accident and the other driver’s medical bills reach $30,000, only half of that will be covered by your insurance. You’ll be responsible for paying the balance of $15,000 yourself.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Downey if You Have Driving Violations

If you commit a traffic violation such as speeding or a DUI, you can expect an increase in your insurance premiums. The same thing will happen if you’re in an at-fault accident. The cheapest car insurance in Downey for drivers with violations is as follows:

  • Cheapest after a ticket: Esurance, $1,595 per year
  • Cheapest after an at-fault accident: Esurance, $1,980 per year
  • Cheapest after a DUI: Mercury, $2,600 per year

If you are on active military duty or a veteran, USAA may provide the most affordable insurance for drivers with a speeding ticket at $1,331 per year.

Over time, you can improve your poor driving record and get lower insurance premiums. But in the meantime, shopping around for quotes can help you find the best cheap car insurance available in Downey for drivers with poor records.

Cheapest Car Insurance in Downey With a Violation
Speeding Ticket

Average Cost of Car Insurance in Downey

Downey$1,573
California$1,429
U.S.$1,424

Downey's average car insurance rate is higher than the state and national averages. The average rate of auto insurance in Downey is $1,573 per year. This is 10.1% higher than California’s state average for a comparable policy and 10.5% higher than the national average rate of $1,424 per year.

Personalized Quotes to Get You the Cheapest Car Insurance in Downey

A few factors that influence car insurance rates in Downey include age, gender, location, driving record, driving history and more. By regularly comparing auto insurance quotes from each company, you can find the one that offers the best rate in Downey. You may even be able to get discounts.

Compare Car Insurance Rates in Downey

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Downey

We used our unique MoneyGeek system to determine which companies in Downey offer the best overall balance of affordability and quality customer service. Based on our analysis, the auto insurers that ranked the highest are:

  • AAA: MoneyGeek score of 90 out of 100 points
  • GEICO: MoneyGeek score of 90 out of 100 points

With a score of 100 out of 100, USAA ranked as the best overall car insurance company in Downey. It was excluded from our list because car insurance through USAA is only available to military members and their families.

MoneyGeek analyzed these car insurance companies using factors such as insurer financial stability, customer satisfaction and affordability. We considered multiple resources too, including findings by data analytics and consumer intelligence company J. D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Your postal code will influence your car insurance premiums. Insurance companies take into account risk factors such as car theft, accidents and claim history in your neighborhood before providing you with a quote. To find rates in your neighborhood, you can compare auto insurance rates in California.

Downey residents living in the 90242 ZIP code will pay an average of $1,545 for auto insurance per year, which is $55 less than what the residents of ZIP code 90241 pay on average.

  • Zip Code
    State Minimumper year
  • 90242
    $1,545
  • 90241
    $1,600

Factors That Impact Insurance Costs in Downey

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Downey. How Downey ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities129th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Downey are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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