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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceTorrance
2023

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.

Company
Annual Premium
Monthly Premium

GEICO

$415

$35

GEICO

$420

$35

State Farm

$443

$37

Progressive

$480

$40

Progressive

$487

$41

GEICO

$496

$41

Mercury

$500

$42

AAA California

$503

$42

Mercury

$512

$43

AAA California

$529

$44

Progressive

$570

$48

National General

$581

$48

State Farm

$585

$49

Nationwide

$585

$49

National General

$597

$50

State National

$605

$50

Nationwide

$606

$51

Kemper

$607

$51

State National

$624

$52

Mercury

$627

$52

Travelers

$638

$53

Travelers

$639

$53

AAA California

$641

$53

Hartford

$651

$54

Capital Insurance Group

$656

$55

State Farm

$668

$56

Allstate

$674

$56

Capital Insurance Group

$679

$57

Allstate

$684

$57

Kemper

$700

$58

National General

$715

$60

Farmers

$731

$61

Travelers

$731

$61

Allstate

$735

$61

State National

$736

$61

Hartford

$749

$62

Farmers

$751

$63

Capital Insurance Group

$762

$64

Nationwide

$768

$64

Chubb

$841

$70

Farmers

$853

$71

Chubb

$867

$72

Kemper

$927

$77

National General

$947

$79

National General

$962

$80

Hartford

$977

$81

State Farm

$1,012

$84

GEICO

$1,035

$86

Progressive

$1,057

$88

Progressive

$1,059

$88

GEICO

$1,068

$89

AAA California

$1,139

$95

AAA California

$1,139

$95

Mercury

$1,148

$96

National General

$1,150

$96

Mercury

$1,166

$97

Allstate

$1,187

$99

Chubb

$1,210

$101

GEICO

$1,236

$103

Allstate

$1,248

$104

Progressive

$1,273

$106

Nationwide

$1,276

$106

State Farm

$1,300

$108

State National

$1,322

$110

Hartford

$1,326

$110

Capital Insurance Group

$1,341

$112

Nationwide

$1,379

$115

Allstate

$1,380

$115

State National

$1,419

$118

Capital Insurance Group

$1,421

$118

AAA California

$1,495

$125

Mercury

$1,510

$126

Kemper

$1,511

$126

State Farm

$1,517

$126

Hartford

$1,530

$127

Travelers

$1,569

$131

Capital Insurance Group

$1,599

$133

Travelers

$1,629

$136

Farmers

$1,694

$141

Farmers

$1,723

$144

State National

$1,743

$145

Nationwide

$1,797

$150

Kemper

$1,847

$154

Travelers

$1,929

$161

Chubb

$1,936

$161

Hartford

$1,996

$166

Chubb

$1,998

$167

Farmers

$2,037

$170

Kemper

$2,264

$189

Chubb

$2,850

$238

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.

Company
Annual Premium
Monthly Premium

GEICO

$415

$35

GEICO

$420

$35

State Farm

$443

$37

Progressive

$480

$40

Progressive

$487

$41

GEICO

$496

$41

Mercury

$500

$42

AAA California

$503

$42

Mercury

$512

$43

AAA California

$529

$44

Progressive

$570

$48

National General

$581

$48

State Farm

$585

$49

Nationwide

$585

$49

National General

$597

$50

State National

$605

$50

Nationwide

$606

$51

Kemper

$607

$51

State National

$624

$52

Mercury

$627

$52

Travelers

$638

$53

Travelers

$639

$53

AAA California

$641

$53

Hartford

$651

$54

Capital Insurance Group

$656

$55

State Farm

$668

$56

Allstate

$674

$56

Capital Insurance Group

$679

$57

Allstate

$684

$57

Kemper

$700

$58

National General

$715

$60

Farmers

$731

$61

Travelers

$731

$61

Allstate

$735

$61

State National

$736

$61

Hartford

$749

$62

Farmers

$751

$63

Capital Insurance Group

$762

$64

Nationwide

$768

$64

Chubb

$841

$70

Farmers

$853

$71

Chubb

$867

$72

Kemper

$927

$77

National General

$947

$79

National General

$962

$80

Hartford

$977

$81

State Farm

$1,012

$84

GEICO

$1,035

$86

Progressive

$1,057

$88

Progressive

$1,059

$88

GEICO

$1,068

$89

AAA California

$1,139

$95

AAA California

$1,139

$95

Mercury

$1,148

$96

National General

$1,150

$96

Mercury

$1,166

$97

Allstate

$1,187

$99

Chubb

$1,210

$101

GEICO

$1,236

$103

Allstate

$1,248

$104

Progressive

$1,273

$106

Nationwide

$1,276

$106

State Farm

$1,300

$108

State National

$1,322

$110

Hartford

$1,326

$110

Capital Insurance Group

$1,341

$112

Nationwide

$1,379

$115

Allstate

$1,380

$115

State National

$1,419

$118

Capital Insurance Group

$1,421

$118

AAA California

$1,495

$125

Mercury

$1,510

$126

Kemper

$1,511

$126

State Farm

$1,517

$126

Hartford

$1,530

$127

Travelers

$1,569

$131

Capital Insurance Group

$1,599

$133

Travelers

$1,629

$136

Farmers

$1,694

$141

Farmers

$1,723

$144

State National

$1,743

$145

Nationwide

$1,797

$150

Kemper

$1,847

$154

Travelers

$1,929

$161

Chubb

$1,936

$161

Hartford

$1,996

$166

Chubb

$1,998

$167

Farmers

$2,037

$170

Kemper

$2,264

$189

Chubb

$2,850

$238

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.

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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.

Company
Annual Premium
Monthly Premium

National General

$611

$51

National General

$611

$51

National General

$630

$53

National General

$630

$53

GEICO

$634

$53

GEICO

$641

$53

Mercury

$642

$54

Mercury

$660

$55

AAA California

$671

$56

State Farm

$672

$56

State Farm

$703

$59

AAA California

$705

$59

Capital Insurance Group

$725

$60

GEICO

$743

$62

GEICO

$750

$63

Capital Insurance Group

$753

$63

National General

$754

$63

National General

$754

$63

GEICO

$756

$63

Capital Insurance Group

$762

$64

Capital Insurance Group

$789

$66

AAA California

$801

$67

Mercury

$803

$67

Kemper

$807

$67

Mercury

$811

$68

Mercury

$824

$69

AAA California

$843

$70

Capital Insurance Group

$845

$70

AAA California

$857

$71

State National

$857

$71

State National

$857

$71

Progressive

$861

$72

National General

$870

$73

Progressive

$875

$73

State National

$884

$74

State National

$884

$74

GEICO

$887

$74

Capital Insurance Group

$887

$74

State Farm

$889

$74

Mercury

$895

$75

National General

$896

$75

Nationwide

$904

$75

Mercury

$919

$77

State Farm

$928

$77

Kemper

$932

$78

Nationwide

$939

$78

Allstate

$944

$79

Hartford

$946

$79

Hartford

$946

$79

Progressive

$949

$79

Allstate

$957

$80

Progressive

$966

$80

National General

$994

$83

National General

$994

$83

Travelers

$996

$83

Travelers

$996

$83

Farmers

$997

$83

Farmers

$997

$83

Nationwide

$1,006

$84

National General

$1,009

$84

National General

$1,009

$84

GEICO

$1,011

$84

State Farm

$1,014

$85

Mercury

$1,016

$85

GEICO

$1,022

$85

AAA California

$1,025

$85

Farmers

$1,025

$85

Farmers

$1,025

$85

Allstate

$1,033

$86

Progressive

$1,035

$86

Progressive

$1,036

$86

State National

$1,046

$87

State National

$1,046

$87

Nationwide

$1,047

$87

Progressive

$1,058

$88

State Farm

$1,059

$88

National General

$1,076

$90

Chubb

$1,086

$90

Allstate

$1,088

$91

Hartford

$1,102

$92

Hartford

$1,102

$92

Allstate

$1,103

$92

Chubb

$1,112

$93

Travelers

$1,115

$93

Travelers

$1,117

$93

Mercury

$1,133

$94

Capital Insurance Group

$1,140

$95

Progressive

$1,143

$95

Travelers

$1,147

$96

Farmers

$1,165

$97

Farmers

$1,165

$97

Capital Insurance Group

$1,182

$99

Nationwide

$1,192

$99

Allstate

$1,193

$99

National General

$1,207

$101

National General

$1,207

$101

GEICO

$1,208

$101

Kemper

$1,236

$103

Farmers

$1,246

$104

Progressive

$1,252

$104

Farmers

$1,280

$107

Travelers

$1,285

$107

Chubb

$1,322

$110

Capital Insurance Group

$1,328

$111

Nationwide

$1,329

$111

Travelers

$1,346

$112

Travelers

$1,346

$112

Chubb

$1,349

$112

Kemper

$1,377

$115

Kemper

$1,377

$115

State Farm

$1,384

$115

National General

$1,404

$117

National General

$1,426

$119

Farmers

$1,455

$121

Chubb

$1,455

$121

Hartford

$1,468

$122

Hartford

$1,468

$122

AAA California

$1,472

$123

AAA California

$1,474

$123

State Farm

$1,504

$125

Mercury

$1,511

$126

Capital Insurance Group

$1,535

$128

Mercury

$1,536

$128

State National

$1,549

$129

GEICO

$1,553

$129

Travelers

$1,558

$130

State Farm

$1,575

$131

Capital Insurance Group

$1,576

$131

State National

$1,598

$133

Nationwide

$1,598

$133

GEICO

$1,604

$134

Capital Insurance Group

$1,628

$136

Nationwide

$1,664

$139

Capital Insurance Group

$1,669

$139

Kemper

$1,674

$140

Kemper

$1,674

$140

Chubb

$1,692

$141

National General

$1,708

$142

Chubb

$1,715

$143

Allstate

$1,724

$144

AAA California

$1,735

$145

AAA California

$1,735

$145

Chubb

$1,741

$145

GEICO

$1,742

$145

AAA California

$1,744

$145

GEICO

$1,795

$150

Allstate

$1,818

$151

AAA California

$1,827

$152

State Farm

$1,830

$152

Capital Insurance Group

$1,836

$153

GEICO

$1,856

$155

State National

$1,879

$157

State National

$1,879

$157

Capital Insurance Group

$1,883

$157

Mercury

$1,890

$158

State National

$1,903

$159

Mercury

$1,921

$160

AAA California

$1,934

$161

State Farm

$1,935

$161

Allstate

$1,961

$163

Nationwide

$1,976

$165

Hartford

$1,978

$165

Hartford

$1,978

$165

Progressive

$1,991

$166

Allstate

$1,992

$166

Mercury

$1,994

$166

Progressive

$1,997

$166

Kemper

$2,008

$167

State National

$2,017

$168

State National

$2,017

$168

Allstate

$2,018

$168

State Farm

$2,026

$169

Mercury

$2,036

$170

Mercury

$2,065

$172

GEICO

$2,079

$173

Chubb

$2,085

$174

State Farm

$2,089

$174

Kemper

$2,113

$176

Kemper

$2,113

$176

Nationwide

$2,121

$177

Allstate

$2,133

$178

Nationwide

$2,139

$178

Allstate

$2,160

$180

Progressive

$2,171

$181

Progressive

$2,182

$182

Nationwide

$2,201

$183

AAA California

$2,230

$186

State Farm

$2,256

$188

Allstate

$2,258

$188

AAA California

$2,283

$190

Hartford

$2,286

$190

Hartford

$2,294

$191

Hartford

$2,294

$191

Farmers

$2,337

$195

Farmers

$2,337

$195

State Farm

$2,362

$197

Farmers

$2,380

$198

Farmers

$2,380

$198

Nationwide

$2,384

$199

Capital Insurance Group

$2,401

$200

Progressive

$2,410

$201

Travelers

$2,411

$201

Kemper

$2,457

$205

Progressive

$2,470

$206

GEICO

$2,478

$206

State National

$2,481

$207

State National

$2,481

$207

Progressive

$2,484

$207

Mercury

$2,494

$208

Travelers

$2,499

$208

Allstate

$2,516

$210

Chubb

$2,544

$212

Capital Insurance Group

$2,545

$212

GEICO

$2,556

$213

Chubb

$2,605

$217

Progressive

$2,632

$219

Mercury

$2,675

$223

Travelers

$2,697

$225

Hartford

$2,701

$225

Travelers

$2,790

$233

Nationwide

$2,795

$233

Farmers

$2,814

$234

Farmers

$2,814

$234

Capital Insurance Group

$2,875

$240

Farmers

$2,922

$243

GEICO

$2,961

$247

Farmers

$2,974

$248

Travelers

$2,983

$249

Progressive

$2,999

$250

Kemper

$3,014

$251

Hartford

$3,023

$252

Hartford

$3,023

$252

State Farm

$3,110

$259

Nationwide

$3,121

$260

Chubb

$3,125

$260

Chubb

$3,187

$266

Travelers

$3,331

$278

Kemper

$3,337

$278

Kemper

$3,337

$278

Travelers

$3,351

$279

Chubb

$3,458

$288

Travelers

$3,479

$290

State National

$3,500

$292

Nationwide

$3,502

$292

Farmers

$3,516

$293

AAA California

$3,528

$294

AAA California

$3,549

$296

Hartford

$3,690

$308

State National

$3,765

$314

Allstate

$3,768

$314

Nationwide

$3,799

$317

Allstate

$3,985

$332

State Farm

$4,002

$333

Chubb

$4,044

$337

Chubb

$4,099

$342

Chubb

$4,162

$347

Travelers

$4,177

$348

Kemper

$4,208

$351

Kemper

$4,208

$351

Allstate

$4,440

$370

AAA California

$4,644

$387

State National

$4,646

$387

State Farm

$4,663

$389

Hartford

$4,797

$400

Nationwide

$4,989

$416

Kemper

$5,017

$418

Kemper

$5,017

$418

Chubb

$5,019

$418

Hartford

$5,617

$468

Hartford

$7,525

$627

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,392

$2,240

GEICO

$1,425

$2,293

GEICO

$1,428

$2,525

GEICO

$1,444

$2,409

GEICO

$1,460

$2,349

GEICO

$1,468

$2,596

GEICO

$1,489

$2,743

GEICO

$1,508

$2,666

Progressive

$1,628

$2,597

Progressive

$1,628

$2,597

GEICO

$1,653

$2,474

GEICO

$1,708

$2,825

Nationwide

$1,761

$3,651

Nationwide

$1,761

$3,651

Progressive

$1,763

$2,811

Progressive

$1,763

$2,811

Capital Insurance Group

$1,797

$2,304

Capital Insurance Group

$1,797

$2,304

Allstate

$1,850

$3,002

Allstate

$1,850

$3,002

Progressive

$1,886

$3,473

Progressive

$1,886

$3,473

Nationwide

$1,931

$4,003

Nationwide

$1,931

$4,003

Allstate

$1,937

$3,143

Allstate

$1,937

$3,143

Progressive

$1,975

$3,149

Progressive

$1,975

$3,149

Kemper

$1,981

$3,990

Kemper

$1,981

$3,990

Allstate

$1,987

$3,492

Allstate

$1,987

$3,492

Nationwide

$1,992

$4,579

Nationwide

$1,992

$4,579

Allstate

$2,007

$3,256

Allstate

$2,007

$3,256

Capital Insurance Group

$2,046

$2,729

Capital Insurance Group

$2,046

$2,729

State Farm

$2,061

$3,026

State Farm

$2,061

$3,026

Nationwide

$2,069

$4,291

Nationwide

$2,069

$4,291

Kemper

$2,092

$4,213

Kemper

$2,092

$4,213

GEICO

$2,128

$3,596

Capital Insurance Group

$2,129

$2,729

Capital Insurance Group

$2,129

$2,729

Capital Insurance Group

$2,129

$2,729

Capital Insurance Group

$2,129

$2,729

Allstate

$2,129

$3,507

Allstate

$2,129

$3,507

State Farm

$2,144

$3,148

State Farm

$2,144

$3,148

Farmers

$2,154

$3,077

Farmers

$2,154

$3,077

State Farm

$2,181

$3,415

State Farm

$2,181

$3,415

State Farm

$2,193

$3,221

State Farm

$2,193

$3,221

Kemper

$2,202

$4,954

Kemper

$2,202

$4,954

GEICO

$2,211

$4,148

Kemper

$2,275

$4,583

Kemper

$2,275

$4,583

GEICO

$2,327

$3,483

Nationwide

$2,332

$5,019

Nationwide

$2,332

$5,019

State Farm

$2,336

$3,482

State Farm

$2,336

$3,482

Travelers

$2,337

$3,219

Travelers

$2,337

$3,219

Progressive

$2,339

$3,810

Progressive

$2,339

$3,810

Capital Insurance Group

$2,376

$3,071

Capital Insurance Group

$2,376

$3,071

Farmers

$2,413

$3,568

Farmers

$2,413

$3,568

Travelers

$2,419

$3,332

Travelers

$2,419

$3,332

GEICO

$2,420

$4,003

Allstate

$2,442

$4,471

Allstate

$2,442

$4,471

Capital Insurance Group

$2,464

$3,071

Capital Insurance Group

$2,464

$3,071

Travelers

$2,469

$3,576

Travelers

$2,469

$3,576

State Farm

$2,481

$3,877

State Farm

$2,481

$3,877

Allstate

$2,482

$4,089

Allstate

$2,482

$4,089

Farmers

$2,499

$3,568

Farmers

$2,499

$3,568

Farmers

$2,499

$3,568

Farmers

$2,499

$3,568

State Farm

$2,503

$3,730

State Farm

$2,503

$3,730

Travelers

$2,521

$3,472

Travelers

$2,521

$3,472

Kemper

$2,550

$5,252

Kemper

$2,550

$5,252

Capital Insurance Group

$2,639

$3,409

Capital Insurance Group

$2,639

$3,409

Farmers

$2,699

$4,092

Farmers

$2,699

$4,092

Travelers

$2,754

$3,753

Travelers

$2,754

$3,753

State Farm

$2,757

$4,917

State Farm

$2,757

$4,917

Kemper

$2,763

$5,689

Kemper

$2,763

$5,689

Kemper

$2,786

$6,272

Kemper

$2,786

$6,272

Nationwide

$2,874

$6,939

Nationwide

$2,874

$6,939

Progressive

$2,916

$5,391

Progressive

$2,916

$5,391

Farmers

$2,917

$4,712

Farmers

$2,917

$4,712

State Farm

$2,922

$5,212

State Farm

$2,922

$5,212

GEICO

$2,939

$5,201

Farmers

$2,944

$4,463

Farmers

$2,944

$4,463

State Farm

$2,984

$5,841

State Farm

$2,984

$5,841

Travelers

$2,989

$4,330

Travelers

$2,989

$4,330

Travelers

$3,035

$4,136

Travelers

$3,035

$4,136

Nationwide

$3,065

$6,598

Nationwide

$3,065

$6,598

Farmers

$3,071

$6,072

Farmers

$3,071

$6,072

GEICO

$3,081

$6,045

Progressive

$3,099

$5,048

Progressive

$3,099

$5,048

Farmers

$3,146

$6,350

Farmers

$3,146

$6,350

GEICO

$3,151

$5,807

Farmers

$3,156

$6,240

Farmers

$3,156

$6,240

GEICO

$3,232

$5,718

Allstate

$3,258

$6,429

Allstate

$3,258

$6,429

GEICO

$3,322

$6,833

Progressive

$3,365

$6,854

Progressive

$3,365

$6,854

Allstate

$3,374

$6,772

Allstate

$3,374

$6,772

Capital Insurance Group

$3,387

$4,219

Capital Insurance Group

$3,387

$4,219

Capital Insurance Group

$3,387

$4,219

Capital Insurance Group

$3,387

$4,219

Capital Insurance Group

$3,387

$4,219

Capital Insurance Group

$3,387

$4,219

Progressive

$3,387

$6,915

Progressive

$3,387

$6,915

Progressive

$3,400

$6,925

Progressive

$3,400

$6,925

GEICO

$3,402

$6,674

Allstate

$3,432

$6,772

Allstate

$3,432

$6,772

Travelers

$3,994

$5,460

Travelers

$3,994

$5,460

Travelers

$4,173

$5,704

Travelers

$4,173

$5,704

Travelers

$4,182

$5,986

Travelers

$4,182

$5,986

Kemper

$4,203

$8,565

Kemper

$4,203

$8,565

Nationwide

$4,365

$9,381

Nationwide

$4,365

$9,381

Kemper

$4,604

$9,383

Kemper

$4,604

$9,383

Kemper

$4,647

$10,458

Kemper

$4,647

$10,458

Nationwide

$4,908

$10,548

Nationwide

$4,908

$10,548

Nationwide

$5,066

$12,730

Nationwide

$5,066

$12,730

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.

Company
Annual Premium
Monthly Premium

GEICO

$415

$35

GEICO

$420

$35

USAA

$432

$36

USAA

$432

$36

State Farm

$443

$37

Progressive

$480

$40

Progressive

$487

$41

GEICO

$496

$41

Mercury

$500

$42

AAA California

$503

$42

Mercury

$512

$43

USAA

$523

$44

AAA California

$529

$44

Progressive

$570

$48

National General

$581

$48

State Farm

$585

$49

Nationwide

$585

$49

National General

$597

$50

State National

$605

$50

Nationwide

$606

$51

Kemper

$607

$51

State National

$624

$52

Mercury

$627

$52

Travelers

$638

$53

Travelers

$639

$53

AAA California

$641

$53

Hartford

$651

$54

Capital Insurance Group

$656

$55

State Farm

$668

$56

Allstate

$674

$56

Capital Insurance Group

$679

$57

Allstate

$684

$57

Kemper

$700

$58

National General

$715

$60

Farmers

$731

$61

Travelers

$731

$61

Allstate

$735

$61

State National

$736

$61

Hartford

$749

$62

Farmers

$751

$63

Capital Insurance Group

$762

$64

Nationwide

$768

$64

Chubb

$841

$70

Farmers

$853

$71

Chubb

$867

$72

Kemper

$927

$77

USAA

$940

$78

National General

$947

$79

USAA

$961

$80

National General

$962

$80

Hartford

$977

$81

State Farm

$1,012

$84

GEICO

$1,035

$86

Progressive

$1,057

$88

Progressive

$1,059

$88

GEICO

$1,068

$89

AAA California

$1,139

$95

AAA California

$1,139

$95

Mercury

$1,148

$96

National General

$1,150

$96

USAA

$1,151

$96

Mercury

$1,166

$97

Allstate

$1,187

$99

Chubb

$1,210

$101

GEICO

$1,236

$103

Allstate

$1,248

$104

Progressive

$1,273

$106

Nationwide

$1,276

$106

State Farm

$1,300

$108

State National

$1,322

$110

Hartford

$1,326

$110

Capital Insurance Group

$1,341

$112

Nationwide

$1,379

$115

Allstate

$1,380

$115

State National

$1,419

$118

Capital Insurance Group

$1,421

$118

AAA California

$1,495

$125

Mercury

$1,510

$126

Kemper

$1,511

$126

State Farm

$1,517

$126

Hartford

$1,530

$127

Travelers

$1,569

$131

Capital Insurance Group

$1,599

$133

Travelers

$1,629

$136

Farmers

$1,694

$141

Farmers

$1,723

$144

State National

$1,743

$145

Nationwide

$1,797

$150

Kemper

$1,847

$154

Travelers

$1,929

$161

Chubb

$1,936

$161

Hartford

$1,996

$166

Chubb

$1,998

$167

Farmers

$2,037

$170

Kemper

$2,264

$189

Chubb

$2,850

$238

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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?

Chubb

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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.