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


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Updated: July 10, 2024

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In Inglewood, California, Progressive is the cheapest for minimum coverage, and Capital Insurance Group is cheapest for full coverage. Farmers is most affordable for teens.

Capital Insurance Group emerges as the best overall insurer due to optimal price–service balance, while Chubb offers premier customer service. Choosing the best depends on specific coverage needs and preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceInglewood
2024

Cheapest and Best Car Insurance in Inglewood

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Inglewood, from 18 companies. We used 6 sources and original research to rate the cheapest companies and develop a scoring system for Inglewood 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 Inglewood, CA as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Inglewood

Progressive offers the cheapest car insurance in Inglewood

  • Progressive: $503 per year
  • Mercury: $604 per year

National General holds the title for the most expensive minimum coverage policy in the city, costing $1,807 annually. This showcases a $1,304 difference in annual rates, highlighting why it's important to compare car insurance rates to ensure you're getting the best deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
ProgressiveAnnual Premium$503Monthly Premium$42
MercuryAnnual Premium$604Monthly Premium$50
GEICOAnnual Premium$617Monthly Premium$51
Capital Insurance GroupAnnual Premium$661Monthly Premium$55
KemperAnnual Premium$667Monthly Premium$56
FarmersAnnual Premium$696Monthly Premium$58
AAAAnnual Premium$705Monthly Premium$59
State NationalAnnual Premium$712Monthly Premium$59

State Minimum Liability Requirements

In California's cities, like Inglewood, the state-mandated car insurance minimums are:

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

If you're insured at these minimums and are responsible for an accident, your policy would cover up to $15,000 for injuries to one person, but no more than $30,000 for the entire accident. Any costs exceeding your coverage limits would have to come out of your pocket.

Cheapest Full Coverage Car Insurance in Inglewood

Progressive offers the cheapest full coverage car insurance in Inglewood.

  • Progressive: $1,254 per year
  • AAA: $1,561 per year

Full coverage policies are higher priced due to the comprehensive protection they offer, covering a range of incidents beyond just liability. National General has the most expensive full coverage policy in Inglewood, costing $3,061 annually. That's $1,807 more than Progressive's rate, highlighting the importance of comparing car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,254Monthly Premium$104
AAAAnnual Premium$1,561Monthly Premium$130
Capital Insurance GroupAnnual Premium$1,572Monthly Premium$131
GEICOAnnual Premium$1,601Monthly Premium$133
MercuryAnnual Premium$1,608Monthly Premium$134
AllstateAnnual Premium$1,624Monthly Premium$135
State NationalAnnual Premium$1,697Monthly Premium$141
HartfordAnnual Premium$1,716Monthly Premium$143

Do You Need Full Coverage in California?

A full coverage policy in Inglewood 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 Inglewood After a Driving Offense

When considering drivers with a poor driving history in Inglewood, the impacts of various tickets and accidents on insurance rates can vary significantly.

  • Speeding ticket: Capital Insurance Group ($1,812 per year)
  • At-fault accident: Capital Insurance Group ($1,849 per year)
  • DUI: Mercury ($2,660 per year)

Conversely, State Farm has the most expensive rates for the three offenses, with the annual rate for a DUI reaching $6,929, which is contrasted by the $1,812 annual premium for a speeding ticket from Capital Insurance Group. This demonstrates that the severity of the offense can make a significant difference.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Capital Insurance GroupAnnual Premium$1,812Monthly Premium$151
AAAAnnual Premium$2,031Monthly Premium$169
MercuryAnnual Premium$2,128Monthly Premium$177
ProgressiveAnnual Premium$2,373Monthly Premium$198
AllstateAnnual Premium$2,374Monthly Premium$198
GEICOAnnual Premium$2,386Monthly Premium$199
State NationalAnnual Premium$2,415Monthly Premium$201
KemperAnnual Premium$2,527Monthly Premium$211

Insurance rates in cities like Inglewood escalate with the severity of driving offenses due to the increased risks they represent to insurers. For instance, in Inglewood, drivers with a DUI face an average annual premium of about $4,546, higher than the approximately $2,752 annual rate for those with just a speeding ticket. Drivers with offenses should diligently compare insurance rates.

Cheapest Car Insurance in Inglewood for Teens and Their Families

Farmers offers the cheapest car insurance for teens in Inglewood, ensuring affordability when it comes to insuring young drivers in your family.

  • Farmers: $3,594 per year for female and male teens
  • Capital Insurance Group: $3,720 per year for female and male teens

Nationwide offers the most expensive teen family policy in Inglewood, with an annual difference of $2,820 when compared to Farmers for female teen drivers. Such a variation in rates illustrates that investing time to explore your options can translate into significant savings. Teens are considered higher-risk drivers, and this distinction often leads to higher insurance premiums.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,594Individual Plan Monthly Premium$5,298
Capital Insurance GroupFamily Plan Annual Premium$3,720Individual Plan Monthly Premium$3,633
ProgressiveFamily Plan Annual Premium$3,841Individual Plan Monthly Premium$4,221
AllstateFamily Plan Annual Premium$4,069Individual Plan Monthly Premium$4,384
State FarmFamily Plan Annual Premium$4,136Individual Plan Monthly Premium$4,579
GEICOFamily Plan Annual Premium$4,178Individual Plan Monthly Premium$4,718
TravelersFamily Plan Annual Premium$5,062Individual Plan Monthly Premium$4,577
KemperFamily Plan Annual Premium$5,844Individual Plan Monthly Premium$7,802

In Inglewood, on average, an individual teen policy costs $5,461 annually, compared with $4,565 when added to a family plan. Insurers often view teens as high-risk drivers due to inexperience, leading to elevated premiums for independent policies.

This substantial rate difference underscores why most teens find it challenging to secure personal insurance, making it far more feasible to benefit from the reduced rates of a joint family policy. Opting for family coverage is not only cost-effective but also increases the chances of approval.

Cheapest Car Insurance in Inglewood for Military Drivers

In Inglewood, Progressive offers the most affordable full coverage car insurance for those with a military background. The two leading providers with the lowest annual premiums are:

  • Progressive: $1,254 per year
  • USAA: $1,406 per year

USAA, the second-cheapest option in Inglewood, is well-known for delivering services that tailor to the needs of active duty military members. While USAA's rates are slightly higher than Progressive's in this ranking, its unique offerings may provide additional value worth considering for those eligible for its policies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,254Monthly Premium$104
USAAAnnual Premium$1,406Monthly Premium$117
AAAAnnual Premium$1,561Monthly Premium$130
Capital Insurance GroupAnnual Premium$1,572Monthly Premium$131
GEICOAnnual Premium$1,601Monthly Premium$133
MercuryAnnual Premium$1,608Monthly Premium$134
AllstateAnnual Premium$1,624Monthly Premium$135
State NationalAnnual Premium$1,697Monthly Premium$141

How to Compare Cheap Inglewood Car Insurance Quotes Online

In Inglewood, 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 Inglewood: Overview

Choosing the best auto insurance hinges on weighing service quality, cost, coverage and more. MoneyGeek's unique scoring system evaluates each aspect to guide your decision.

  • Best overall: Capital Insurance Group (MoneyGeek score 85 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Chubb (MoneyGeek score 87 out of 100)

Chubb stands out as offering the premier experience and also suits those looking to economize without compromising on quality. Capital Insurance Group garners the title of best overall in the city, indicative of its combined strength in servicing and budget-friendliness.

Overall Best Car Insurance in Inglewood

Capital Insurance Group is the best option in Inglewood if you’re seeking the best car insurance. This ranking is based on a comprehensive analysis of different insurers:

  • Capital Insurance Group: MoneyGeek score of 85 out of 100 ($1,572 per year)
  • Chubb: MoneyGeek score of 85 out of 100 ($2,288 per year)

Capital Insurance Group stands out due to its balance of customer satisfaction and affordability, with high marks in these categories contributing the most to its overall score. This score is notable for a full coverage policy, which ensures that customers in Inglewood get extensive protection at a competitive rate.

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

Overview

Capital Insurance Group's earned a perfect satisfaction score and a strong claims handling score. The company offers Roadside Assistance and Rental Car and/or Travel Reimbursement. Drivers can benefit from Custom Parts Coverage, which ensures name-brand replacements in repairs.

Best Car Insurance in Inglewood for Customer Service

Chubb is the best option in Inglewood for car insurance focused on customer service, with the highest score for general satisfaction, claims handling and coverages, not taking rates into consideration.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,288 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,572 per year)

Chubb stands out due to its top-tier scores in customer satisfaction and claims handling. Customers choosing Chubb benefit from its exceptional service experience.

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

Overview

Chubb has high satisfaction and claims handling scores. It provides Rental Car and/or Travel Reimbursement and Roadside Assistance, ensuring substantial practical benefits for policyholders.

Chubb stands out for its coverages that meet diverse needs. Antique/Classic Car Insurance is a specialty coverage that ensures owners of vintage vehicles receive tailored protection, acknowledging the vital importance of historical preservation and value appreciation. OEM Coverage is a rare benefit many drivers would find valuable, as it ensures replacement parts for their cars are from the original manufacturer, maintaining the integrity of their vehicle. Although Diminished Value Coverage is less common, it can be a critical asset for those seeking to preserve the resale value of their car post-accident.

Best Cheap Car Insurance in Inglewood

Chubb offers the best affordable car insurance in Inglewood due to its cost-effectiveness and dependable service.

  • Chubb: MoneyGeek score of 87 out of 100 ($962 per year)
  • Capital Insurance Group: MoneyGeek score of 85 out of 100 ($661 per year)

Chubb stands out for its combination of claims handling and overall customer satisfaction, alongside a competitive annual premium. This MoneyGeek score is for a minimum coverage policy.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
87/ of 100

Overview

With an average annual premium of approximately $962, drivers pay less than $81 monthly for minimum coverage, highlighting Chubb's commitment to affordability. Chubb offers discounts like Bundling, Multi-car, Good Student, and Safe Driving.

Additionally, drivers can benefit from reasonably rare Anti-lock Brakes discounts, which commendably enhance safety and potentially lower insurance costs. The VIN Etching discount also stands out, deterring theft and potentially providing significant savings for policyholders.

Average Cost of Car Insurance in Inglewood

In Inglewood, California, the average cost of car insurance stands at $1,219, according to MoneyGeek. This figure falls below the average car insurance cost across the state of California, which is $1,562. California's average is less expensive than the national average, with state premiums being $219 lower than the country's average of $1,781.

Car insurance premiums are influenced by myriad factors, with location being a key determinant. Geographic factors can significantly affect insurance rates due to variables like traffic density, risk of accidents and the prevalence of thefts in the area.

Santa Maria as the city with the least expensive premium at $1,106, which is $281 lower than the state average, emphasizing the impact of location on insurance costs. Conversely, Glendale holds the position for the most expensive premium at $2,115 — a $728 increase from the state's average. These variances underscore the role that location plays in determining car insurance prices. In less populated, non-city areas where traffic density is lower, rates may be even more economical.

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.