Cheapest and Best Car Insurance Companies in Inglewood, CA
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By, Content Director
In Inglewood, the cheapest minimum and full coverage policy is with Progressive. For drivers with a speeding ticket or an at-fault accident, Capital Insurance Group offers the lowest rates, while with a DUI, Mercury is the cheapest. For teen drivers on a family policy, Farmers is the most affordable.
Capital Insurance Group is Inglewood’s best overall auto insurer. Chubb is the best for customer service, while Progressive offers the city’s best cheap car insurance.
Cheapest and Best Car Insurance in Inglewood, CA
Cheapest Minimum Liability Car Insurance in Inglewood
Our analysis discovered that the following auto insurers in Inglewood, on average, have the cheapest rate for minimum coverage car insurance:
- Progressive: $498 per year
- GEICO: $535 per year
National General offers the highest rate for minimum coverage at roughly $1,841 per year. Where you live in the state plays a significant role in your car insurance premium.
In California, car insurance must cover bodily injury liability and property damage liability with at least the following amounts:
- $15,000 per person of bodily injury liability
- $30,000 per accident of bodily injury liability
- $5,000 per accident of property damage liability
Minimum coverage or liability-only insurance goes toward the cost of injuries or damages to another driver and their passengers in case of an accident. If you are at fault and have $15,000 in bodily injury liability per person and $30,000 per accident, your auto insurer will only cover $15,000 in damages per person, up to $30,000 per accident.
Cheapest Full Coverage Car Insurance in Inglewood
Inglewood’s average lowest rate for full coverage car insurance is with the following companies:
- Progressive: $1,195 per year
- Mercury: $1,387 per year
The most expensive full coverage policy is with National General at around $2,665 per year.
Having a full coverage policy means adding comprehensive and collision insurance.
- Collision Insurance: It covers the cost of damages to your vehicle due to a collision with another car or a stationary object.
- Comprehensive Insurance: It covers the cost of damages to your vehicle due to a non-accident incident, such as animal damage, a weather-related event, vandalism or theft.
A full coverage policy is preferable for drivers with newer vehicles to financially protect their investments. If you have an older vehicle, it may not be worth spending hundreds more for additional coverage.
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Cheapest Car Insurance in Inglewood After a Driving Offense
The average cheapest full coverage policy in Inglewood after a driving violation is with the following companies:
- Speeding ticket: Capital Insurance Group ($1,762 per year)
- At-fault accident: Capital Insurance Group ($1,803 per year)
- DUI: Mercury ($2,295 per year)
Travelers ($3,067 per year), Kemper ($4,174 per year) and Hartford ($6,338 per year), on average, are the most expensive auto insurers after a speeding ticket, an at-fault accident or a DUI, respectively. Your driving record can affect how much you pay for coverage, so even the cheapest rate tends to be more expensive than what a driver with no violation pays.
Auto insurance may increase depending on the severity of the driving violation. Case in point, Inglewood drivers with a DUI may spend around $1,724 more for full coverage than those with a speeding ticket. Fortunately, there are ways to find the cheapest car insurance with a bad driving record.
Cheapest Car Insurance in Inglewood for Teens and Their Families
On average, the most affordable car insurance companies in Inglewood for 16-year-old teenage drivers on a family policy are:
- Farmers: $3,594 per year
- Capital Insurance Group: $3,720 per year
Nationwide offers the highest rate for families adding a teen driver to their policy at roughly $6,414 per year. Auto insurers tend to view young drivers as high risk due to a lack of experience on the road and charge higher rates as a result.
Adding a teen driver to a family policy is much cheaper than them buying a separate policy. In Inglewood, a male teen saves at least $673 a year by being on a family policy than by purchasing a policy on his own. Shop around for the cheapest auto insurance for teens to save money.
Cheapest Car Insurance in Inglewood for Military Drivers
For drivers with a military background, Inglewood’s most affordable full coverage policies, on average, are from:
- USAA: $1,049 per year
- Progressive: $1,195 per year
How to Compare Cheap Inglewood Car Insurance Quotes Online
Obtaining a car insurance quote in Inglewood online from an insurance company can take 15 minutes or more because you are required to submit a lot of personal details. Plus, you have to repeat this process to compare multiple providers.
MoneyGeek’s car insurance calculator can give you a ballpark figure of how much you’ll pay for car insurance with different insurers based on your age, coverage level, vehicle type and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Inglewood: Summary
The best auto insurance for you depends on how much you value factors such as affordability, service quality, coverages and more. In Inglewood, the best companies, depending on particular needs, are:
- Best overall: Capital Insurance Group (MoneyGeek score of 75 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: Progressive (MoneyGeek score of 78 out of 100)
A company’s overall MoneyGeek score may change for different categories based on how factors are weighted.
CSAA is the best overall car insurance company in California, indicating that location may affect your options. Those with a military background may find the best blend of affordability and service with USAA, which earned a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Inglewood
If you’re looking for the best blend of affordability and service quality, consider these car insurance companies in Inglewood:
- Capital Insurance Group: MoneyGeek score of 75 out of 100 ($1,535 per year)
- Progressive: MoneyGeek score of 74 out of 100 ($1,195 per year)
Capital Insurance Group scored the highest for customer satisfaction and offers affordable car insurance in Inglewood. That combo is what you want since costs are manageable, and when you need assistance, it is given.
Active military members and veterans may find USAA is the best car insurance company, receiving a MoneyGeek score of 85 out of 100.
How was this MoneyGeek score calculated?
Affordable full coverage policy
Excellent customer service
Unique add-on coverages like custom parts
Limited add-on coverage options
In Inglewood, Capital Insurance Group is the best option for car insurance because of its competitive rates and excellent customer service. Although its coverage options are fewer than other insurers, the ones available with Capital Insurance Group are solid and valuable.
This company offers add-on custom parts coverage, which helps cover the cost of name-brand auto parts replacement. It also has roadside assistance, which gives you 24/7 access to Capital Insurance Group’s roadside rescue team if you are stranded due to car issues, such as a flat tire, dead battery and more.
Capital Insurance Group provides good customer service, based on J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index. This means you are assured of efficiency while filing a claim during your time of need.
Best Car Insurance in Inglewood for Customer Service
Regardless of cost, the best car insurance providers in Inglewood for customer service are:
- Chubb: MoneyGeek score of 76 out of 100 ($2,288 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,535 per year)
Chubb has strong customer satisfaction and claims management scores, which are both important to provide an excellent customer service experience. However, its average premium is significantly higher than most of its competitors.
How was this MoneyGeek score calculated?
Excellent customer satisfaction
Efficient claims management
Offers unique add-on coverages, such as original equipment manufacturer (OEM)
No gap insurance
Chubb’s strongest areas are customer satisfaction and claims management. That means Inglewood policyholders are guaranteed excellent customer service when they have a concern or are filing an insurance claim. That said, expect fewer coverage options with this insurer.
Among the unique add-on coverages available with Chubb is original equipment manufacturer (OEM) coverage. This covers the cost of original parts if your vehicle needs repair due to an accident. Chubb also has diminished value coverage, which reimburses you with the agreed value of your car when your policy was written.
When it comes to basic add-on coverages, rental car reimbursement can be purchased from Chubb. It helps you rent a car similar to the one you own if it’s not drivable due to an accident.
Best Cheap Car Insurance in Inglewood
Based on our analysis of affordability and service quality for a policy that only meets California’s minimum coverage requirements, the best auto insurers in Inglewood are:
- Progressive: MoneyGeek score of 78 out of 100 ($498 per year)
- GEICO: MoneyGeek score of 77 out of 100 ($535 per year)
You get the lowest rate with a minimum coverage policy, but expect the least amount of protection against liability costs and no coverage for damages to your vehicle in an at-fault accident.
How was this MoneyGeek score calculated?
A minimum coverage policy costs around $498 per year
Ranked first in affordability
Has various discounts, such as bundling, paperless and automatic payment
Below-average claims management
No discount for defensive driving
Progressive is your best option in Inglewood for a policy that only meets California’s minimum car insurance requirement. The average cost of a minimum coverage policy from this insurer is $498 yearly, the lowest in the city. Plus, you can further lower your premium through discounts.
With Progressive, you can get a discount for bundling policies, insuring multiple cars, being a safe driver for three years, enrolling in paperless billing or paying your premium in full. The company also has rare discounts for specific circumstances, such as setting up automatic payment, originating your quote online or signing your policy documents online. However, Progressive provides no discount for completing a defensive driving course.
Average Cost of Car Insurance in Inglewood
The average cost of car insurance in Inglewood is $1,740 per year, which is around $353 more expensive than the average cost of car insurance in California and roughly $475 higher than the national average of $1,265 per year. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Inglewood auto insurance rates are more expensive than those for California and the country as a whole. That indicates that where you live in the state can have a significant impact on how much you pay for car insurance.
About Mark Fitzpatrick