The cheapest car insurance companies in Torrance may vary depending on your elected coverage and driver profile. Esurance is the cheapest overall and for drivers with a speeding ticket. For state minimum insurance, Progressive is the cheapest. For military families, USAA may be a cheap option. MoneyGeek also found AAA to be the best insurer balancing cost and customer service.
The Cheapest and Best Car Insurance in Torrance




The Cheapest Car Insurance Companies in Torrance
The best option for people looking for cheap car insurance in Torrance with full coverage are:
- Esurance: $1,003 per year
- Progressive: $1,060 per year
Based on average rates, Esurance coverage is the most affordable in Torrance. It is approximately 76.3% cheaper than a similar policy with Farmers, the most expensive insurer. Full coverage refers to insurance that has comprehensive and collision insurance. But prices may vary depending on how much liability insurance you choose.
Cheapest Car Insurance in Torrance
- Company100/300/100per year
- 1.$1,003
- 2.$1,060
- 3.$1,144
- 4.$1,246
- 5.$1,256
In analyzing car insurance in Torrance, MoneyGeek collected average rates for a 40-year-old male driver in the city with a full coverage policy based on our methodology.
Full auto insurance coverage refers to a policy that protects you against possible financial expenses due to damages to your car. It is typically more expensive than state minimum coverage because it features the following coverages:
- Comprehensive Insurance: covers expenses incurred for repairs or replacement of your vehicle after a non-accident incident like theft and vandalism
- Collision Insurance: covers expenses related to vehicle damages due to a collision with another vehicle or an object
If you have an older car and are paying more for insurance than the car is worth, opting for liability-only insurance or state minimum coverage may be a better option.
Compare Car Insurance Rates in Torrance
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Torrance for Minimum Coverage
Generally, the cheapest option is to buy minimum coverage only. The most affordable car insurance companies in Torrance are:
- Progressive: $459 per year
- GEICO: $522 per year
If you are from a military family, USAA may also be a cheap option. It has an average annual rate of $485.
Progressive coverage costs approximately $501 less than the average rate from Farmers, which is the most expensive for minimum coverage. While state minimum insurance is the most affordable option, you risk not being fully covered because it does not include comprehensive and collision insurance and has low levels of liability coverage. Toggle the table to see how liability coverage affects costs.
Cheapest Minimum Liability Car Insurance in Torrance
- CompanyState Minimumper year
- 1.$459
- 2.$485
- 3.$522
- 4.$553
- 5.$577
California’s minimum car insurance includes 15/30/5 liability limits. Choosing this type of policy is the cheapest option and can help you save on your monthly bills, but you may pay more out of pocket in the event of an accident.
For example, if an at-fault accident causes a total of $40,000 in medical bills, your policy will only cover up to $30,000 and you will have to pay the remaining $10,000 out of pocket.
California Minimum Liability Requirements
- ItemDescription
- 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 Torrance if You Have Driving Violations
Having driving violations like speeding tickets, DUIs and at-fault accidents on your record can increase the cost of your car insurance in Torrance. The cheapest companies in the city are:
- Cheapest after a ticket: Esurance, $1,269 per year
- Cheapest after an at-fault accident: Esurance, $1,569 per year
- Cheapest after a DUI: Mercury, $2,228
USAA is the most affordable option for Torrance drivers with a speeding ticket. However, USAA policies are only available to military families.
You can improve your driving record over time to get cheaper insurance. In the meantime, you can find cheap car insurance in Torrance for drivers with bad records by shopping around.
Cheapest Car Insurance in Torrance With a Violation
Average Cost of Car Insurance in Torrance
The average cost of car insurance in Torrance is $1,408 per year, lower than both the average for California and the country as a whole. In comparison, Torrance drivers pay approximately 1.5% cheaper than the state average and 1.1% less than the average auto insurance cost in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Torrance
Several factors affect car insurance quotes in Torrance. Insurance providers typically consider age, gender, car make and model, coverage level and ZIP code when calculating rates. Regularly comparing personalized quotes from different insurers can help you find the best option for your circumstances at a fair price. It will also help you figure out whether you qualify for any discounts and rebates.
Compare Car Insurance Rates in Torrance
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Torrance
MoneyGeek ranked car insurance providers in Torrance based on their average rates, claims ratings and user satisfaction. Our study shows that the top auto insurers in the city are:
- Esurance: MoneyGeek score of 92 out of 100
- AAA: MoneyGeek score of 82 out of 100
While USAA gained a MoneyGeek score of 89 out of 100, we didn’t include it in this analysis due to its limited availability. Still, it’s the second-best car insurance company in California for military personnel, veterans and their families.

Esurance is our pick as the best car insurance company in Torrance, gaining excellent scores for affordability and satisfaction and an average rating for claims. It’s also the cheapest in the city at around $1,003 per year. It offers custom parts coverage as an add-on coverage.
In Torrance, you have five optional endorsements that can be included in your car insurance policy. This company offers custom parts and equipment coverage, a unique rider that protects after-market upgrades on your car. This extends to sound systems, custom grills, exhaust systems and other customizations that might not be covered by your standard policy.
You can also get gap insurance, another rare optional add-on that pays up to 25% more than your car’s actual cash value in case it gets totaled. This is useful when dealing with your car’s loan or lease.
Read MoneyGeek's Esurance auto Insurance Review
With a perfect score for claims and high scores for satisfaction and affordability, AAA is our runner-up pick for the top car insurance company in Torrance. At around $1,271 per year, the insurer offers identity theft coverage.
In Torrance, AAA offers three add-on coverages on their policies. One of them is identity theft coverage, a unique rider that you get for free with your AAA car insurance policy. It provides fraud resolution support, credit monitoring, lost wallet protection and other assistance to help you deal with identity theft.
Additionally, you can get roadside assistance coverage from AAA. It’s a common endorsement that pays for the cost of fuel delivery, flat tire, battery replacement and other such services.
Read MoneyGeek's AAA auto Insurance Review









Average Cost of Car Insurance by Postal Code
Where you live in Torrance can also have an impact on the cost of your insurance. Insurers consider differences in car theft incidents, accident statistics and other location-related factors, so average car insurance rates may vary depending on the ZIP code.
The cheapest neighborhood in the city is 90503, which has an average rate of $1,382 per year. Meanwhile, residents with ZIP code 90501 pay $51 more.
- Zip CodeState Minimumper year
- 90503$1,382
- 90501$1,433
Factors That Impact Insurance Costs in Torrance
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Torrance. How Torrance ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
