In Torrance, GEICO is the most affordable option for minimum coverage car insurance and MoneyGeek's winner for the best overall and cheapest car insurance categories. National General provides the best rates for full coverage, drivers with traffic infractions and military drivers. State Farm is the least expensive insurer for teen drivers. Chubb is the best choice for those interested in quality service. However, the most affordable option may vary depending on your needs and driving profile.
Cheapest and Best Car Insurance in Torrance, CA








Cheapest Minimum Liability Car Insurance in Torrance
The following companies offer the cheapest minimum coverage auto insurance in Torrance:
- GEICO: $420 per year
- Progressive: $480 per year
Chubb is Torrance's most expensive car insurance provider, with an average yearly rate of $841 as of October 2022.
In California, state law requires that minimum coverage insurance includes:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
If you are at fault in an accident, liability-only coverage will cover the other driver's damages up to the specified limit. For example, your insurer will pay up to $15,000 in medical expenses for each person injured, with a maximum of $30,000 for the entire incident. Any costs beyond that amount are your responsibility.
Cheapest Full Coverage Car Insurance in Torrance
Torrance’s cheapest full coverage auto insurance providers are:
- National General: $947 per year
- Progressive: $1,057 per year
Chubb is Torrance's most expensive full coverage insurer, charging an average annual rate of $1,936 as of October 2022.
A full coverage policy includes comprehensive and collision insurance.
- Collision Insurance: Covers the cost of repairs to your vehicle in the event of a collision.
- Comprehensive Insurance: Covers the cost of repairs or replacement of your vehicle due to theft, vandalism or other non-collision-related damage.
While a full coverage policy may provide peace of mind, it may not be worth the cost for older vehicles. The policy could cost more per year than the car is worth.
Cheapest Car Insurance in Torrance After a Driving Offense
National General offers the cheapest insurance for drivers with violations in Torrance.
- Speeding ticket: National General ($994 per year)
- At-fault accident: National General ($1,404 per year)
- DUI: National General ($994 per year)
The most expensive car insurers for motorists with poor driving records are Chubb at $2,544 after a speeding ticket, Kemper at $3,337 after an accident and Hartford at $5,617 after a DUI. Even the lowest rates for drivers with infractions will be higher than rates for those with clean records.
Generally, the more severe the driving infraction, the more the premiums increase (though this is not always the case). In Torrance, you’ll pay $596 more after a speeding ticket and $903 more after a DUI. Nevertheless, it is still possible to find affordable car insurance premiums even if you have a less-than-ideal driving history.
Cheapest Car Insurance in Torrance for Teens and Their Families
For a 16-year-old teenage driver on a family policy, the most affordable car insurance providers are:
- State Farm: $2,984 per year for male and female teens
- Farmers: $3,146 per year for male and female teens
Nationwide is the most expensive at $5,066 annually. The rates for male and female teens are the same in Torrance. Usually, companies have higher rates for male teens because they are considered riskier to insure, but this gap closes in early adulthood.
Adding a teen driver to a family's auto insurance plan in Torrance can save families up to $673 a year compared to purchasing an individual policy. Families should shop for the most affordable insurance for teen drivers to find the best deal available.
Cheapest Car Insurance in Torrance for Military Drivers
For active or retired military personnel and their families living in Torrance, the most affordable auto insurance companies are:
- National General: $947 per year
- USAA: $961 per year
The above rates are for full coverage policy. GEICO is the most affordable minimum coverage, costing $420 annually, followed by USAA, with an annual rate of $432.
How to Compare Cheap Torrance Car Insurance Quotes Online
Getting online auto insurance quotes in Torrance can take more than 15 minutes per company and requires you to input a great deal of personal information. MoneyGeek's car insurance calculator can simplify the process; our calculator uses your age, vehicle type, driving record and coverage preferences to generate rates from various insurers quickly.
Auto Insurance Calculator
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Best Car Insurance in Torrance: Summary
The best car insurance depends on the level of importance you place on service, affordability, coverage and other factors. MoneyGeek determined that the best car insurance companies in Torrance are:
- Best overall: GEICO (MoneyGeek score of 72 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
A company’s MoneyGeek score can vary for each category, depending on how we weigh service, affordability and other factors. CSAA is the cheapest car insurance provider in California, although where you live in the state impacts your rates. For those with a military background, USAA is the best option, with a MoneyGeek score of 84 out of 100.
Best Overall Car Insurance in Torrance
The best car insurance companies in Torrance that balance affordability and quality services are:
- GEICO: MoneyGeek score of 72 out of 100 ($1,068 per year)
- Progressive: MoneyGeek score of 71 out of 100 ($1,057 per year)
GEICO earned excellent affordability and satisfaction scores to emerge as Torrance's best overall auto insurance company. USAA is the best option for those with a military background. The insurer has a MoneyGeek score of 84 out of 100 and costs an average of $961 per year.
How was this MoneyGeek score calculated?

pros
Ranks #3 for affordability
High satisfaction score
cons
Lacks glass deductible modification
COMPANY HIGHLIGHTS
GEICO is known for its excellent customer service and affordable rates, with an average yearly premium of $1,068 for comprehensive and collision coverage in Torrance. Although the company doesn't offer as many add-on coverages as other insurers, it offers unique coverages, such as mechanical breakdown insurance (MBI) and antique/classic auto insurance.
MBI provides better coverage than most dealer warranties and is available for new or leased cars that are less than 15 months old and have less than 15,000 miles on the odometer. Vintage car insurance from GEICO includes liability coverage, uninsured and underinsured motorist coverage and medical coverage, such as personal injury protection and medical payments coverage. The company also offers reimbursement coverage for towing and roadside assistance.
Best Car Insurance in Torrance for Customer Service
Without considering cost, the best companies for customer service in Torrance are:
- Chubb: MoneyGeek score of 76 out of 100 ($1,936 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,421 per year)
Although Chubb offers superior policyholder satisfaction and claims processing compared to the other 14 insurers analyzed, its prices are much higher than all its competitors.
How was this MoneyGeek score calculated?

pros
Ranks #1 for claims processing
Ranks #2 for satisfaction
cons
Limited coverage options
COMPANY HIGHLIGHTS
For those who value quality service and are willing to pay a higher premium, MoneyGeek's research found that Chubb is the best insurer in Torrance for customer satisfaction. The company offers limited add-on coverages, but the ones it offers are solid.
Chubb offers agreed value coverage, which allows car owners to agree on the value of their car when they purchase the policy. In the event of theft or total loss, policyholders will receive the agreed-upon value of their car. Chubb also provides antique/classic car insurance for classic or vintage vehicles at least 30 years old and either part of a collection or limited production models.
Best Cheap Car Insurance in Torrance
The cheapest minimum coverage providers in Torrance are:
- GEICO: MoneyGeek score of 78 out of 100 ($420 per year)
- Progressive: MoneyGeek score of 72 out of 100 ($480 per year)
The state's mandated minimum liability coverage plans may be the most affordable, but they don’t provide extensive protection against liability costs or cover damages to your car in an at-fault accident.
How was this MoneyGeek score calculated?

pros
Ranks #5 out of 15 for customer satisfaction
Ranks #1 for affordability
cons
Below-average claims management score
COMPANY HIGHLIGHTS
GEICO offers Torrance drivers quality service, affordable insurance and various discounts to help them save. Military policyholders deployed in an emergency can take advantage of the emergency deployment discount, and the federal employee discount is available to current and retired federal workers.
Full-time students with good grades may qualify for the good student discount, and those over the age of 50 may be eligible for senior auto insurance discounts. GEICO's discounts make it an ideal choice for those looking to save money on auto insurance in Torrance.
Average Cost of Car Insurance in Torrance
As of October 2022, the average cost of car insurance in Torrance is $1,351 each year, which is $36 less than the median rate in California ($1,387 per year) and $86 higher than the national average rate ($1,265 per year).
This rate is for a full coverage policy that includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability for every accident and $100,000 in property damage liability per incident.
Although car insurance in California is more expensive than the national average, the rates in Torrance are slightly lower than in other places in the state due to the city’s low population, crime and accident rates. Location is only one of the many factors affecting the cost of car insurance.
About Mark Fitzpatrick
