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


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Updated: July 6, 2024

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In West Covina, California, GEICO offers the cheapest minimum coverage car insurance. Progressive has the most affordable full coverage policy, while Farmers is the most cost-effective provider for families with teens. Chubb excels in customer service, and the overall best is Capital Insurance Group, providing the best blend of price and service. Choose based on your personal coverage needs and preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceWest Covina
2024

Cheapest and Best Car Insurance in West Covina

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

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in West Covina

MoneyGeek found that GEICO is the cheapest option in West Covina for minimum coverage car insurance.

  • GEICO: $494 per year
  • Progressive: $529 per year

Chubb has the most expensive minimum coverage policy in West Covina, with an annual cost of $989. This is a clear example of why comparing rates is crucial, as you could save up to $495 by shopping around. It's a simple yet effective way to ensure you're not overpaying for basic car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$494Monthly Premium$41
ProgressiveAnnual Premium$529Monthly Premium$44
MercuryAnnual Premium$535Monthly Premium$45
AAAAnnual Premium$592Monthly Premium$49
Capital Insurance GroupAnnual Premium$611Monthly Premium$51
FarmersAnnual Premium$622Monthly Premium$52
KemperAnnual Premium$679Monthly Premium$57
State NationalAnnual Premium$684Monthly Premium$57

State Minimum Liability Requirements

In cities across California, state law mandates car insurance coverage minimums. These are the limits drivers are legally required to have:

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

If you’re at fault in an accident and the other driver’s injuries amount to $20,000, your policy's minimum coverage for bodily injury per person will cover up to $15,000. The remaining $5,000 would typically be your responsibility to pay out of pocket. Similarly, you would be responsible for the excess if multiple people are injured and the total expenses exceed your $30,000 per accident coverage. Remember, this is just the baseline — costs can quickly surpass these minimums.

Cheapest Full Coverage Car Insurance in West Covina

MoneyGeek found that Progressive provides the cheapest full coverage car insurance in West Covina.

  • Progressive: $1,235 per year
  • GEICO: $1,313 per year

Chubb is the most expensive provider for a full coverage policy in West Covina, with an annual rate of $2,344 — $1,108 more than Progressive. This substantial price range highlights the need for consumers to compare car insurance prices. Full coverage policies, which include comprehensive and collision insurance, are pricier than the legal minimum coverage but offer better protection.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,235Monthly Premium$103
GEICOAnnual Premium$1,313Monthly Premium$109
AAAAnnual Premium$1,320Monthly Premium$110
MercuryAnnual Premium$1,324Monthly Premium$110
AllstateAnnual Premium$1,410Monthly Premium$117
Capital Insurance GroupAnnual Premium$1,458Monthly Premium$122
HartfordAnnual Premium$1,526Monthly Premium$127
State NationalAnnual Premium$1,563Monthly Premium$130

Do You Need Full Coverage in California?

Full coverage insurance has increased liability limits. It also incorporates two crucial protections — comprehensive and collision coverages:

  • Collision Coverage: This insures your vehicle against damages from a direct collision with another automobile or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Coverage: This provides financial protection against damage to your car from non-collision-related incidents, such as theft, vandalism, fires, natural disasters or being struck by an animal like a deer.

For owners of new automobiles, investing in a full coverage insurance plan is a smart move to protect the value of your vehicle. However, for those with older models, the added security may not justify the increased premium costs. When determining the right amount of car insurance for you, consider the trade-off between more comprehensive coverage with higher premiums vs. the risk of being inadequately insured.

Cheapest Car Insurance in West Covina After a Driving Offense

MoneyGeek found that Capital Insurance Group is the most affordable option in West Covina for drivers with a poor driving record seeking full coverage. Specifically, the most economical providers following various incidents are:

  • Speeding Ticket: Capital Insurance Group ($1,679 per year)
  • At-Fault Accident: Capital Insurance Group ($1,719 per year)
  • DUI: National General ($1,685 per year)

Travelers offers the most expensive rates after a speeding ticket ($3,415 per year) and an at-fault accident ($3,804 per year). State Farm, at $5,773 per year, is the most expensive provider after a DUI. The difference in annual premiums indicates how the severity of an offense affects the cost of car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Capital Insurance GroupAnnual Premium$1,679Monthly Premium$140
National GeneralAnnual Premium$1,685Monthly Premium$140
AAAAnnual Premium$1,712Monthly Premium$143
MercuryAnnual Premium$1,744Monthly Premium$145
GEICOAnnual Premium$1,953Monthly Premium$163
AllstateAnnual Premium$2,055Monthly Premium$171
KemperAnnual Premium$2,220Monthly Premium$185
State NationalAnnual Premium$2,226Monthly Premium$185

Insurance rates in cities like West Covina rise with the gravity of driving infractions because carriers assess higher risks for more severe offenses. For instance, drivers with a speeding ticket may face an average annual premium of $2,359, while those with a DUI might see rates soar to an average of $3,930 per year. Given these differences, individuals with driving offenses benefit even more from comparing insurance rates, as this could lead to substantial savings on their premiums.

Cheapest Car Insurance in West Covina for Teens and Their Families

MoneyGeek found that Farmers is the cheapest option for both female and male teens in West Covina, offering significant savings on full coverage car insurance. Explore the cheapest car insurance for teens and find the right fit for your family's needs. West Covina's most affordable providers for teen drivers are:

  • Farmers: $3,138 per year for female and male teens
  • GEICO: $3,346 per year for female teens; Capital Insurance Group: $3,398 per year for male teens

These rates reflect the combined coverage for a policy with two parents and a teen driver, showcasing a noticeable difference in premiums within the same city. Nationwide has the most expensive policy for families with teen drivers, at $5,565 for female and male teens, indicating a $2,427 annual premium difference compared to Farmers. The considerable variance in rates highlights the importance of comparing options to ensure affordability, especially for high-risk drivers like teenagers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,138Individual Plan Monthly Premium$4,626
GEICOFamily Plan Annual Premium$3,346Individual Plan Monthly Premium$3,779
Capital Insurance GroupFamily Plan Annual Premium$3,398Individual Plan Monthly Premium$3,318
State FarmFamily Plan Annual Premium$3,405Individual Plan Monthly Premium$3,769
AllstateFamily Plan Annual Premium$3,571Individual Plan Monthly Premium$3,847
ProgressiveFamily Plan Annual Premium$3,821Individual Plan Monthly Premium$4,198
TravelersFamily Plan Annual Premium$4,355Individual Plan Monthly Premium$3,937
KemperFamily Plan Annual Premium$5,132Individual Plan Monthly Premium$6,851

Like many other cities across the United States, young drivers face steep car insurance rates in West Covina. On average, the individual annual premium for teen drivers is a hefty $4,766, while adding a teen to a joint family policy averages out to $3,990. This stark difference of $776 is primarily due to insurers' perception of heightened risk when covering teen drivers independently. Insurers view teens as less experienced and more prone to accidents, which translates to higher premiums. Securing an individual policy can be challenging for teens, as many carriers are hesitant to underwrite these standalone policies due to the increased likelihood of costly claims. For these reasons, families often opt for a joint plan as a more cost-effective and practical solution for insuring teenage drivers.

Cheapest Car Insurance in West Covina for Military Drivers

MoneyGeek found that Progressive provides the cheapest car insurance for those with military backgrounds in West Covina.

  • Progressive: $1,235 per year
  • GEICO: $1,313 per year

Although USAA is slightly more expensive than its competitors, with an annual premium of $1,326, it offers services specially tailored to active-duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,235Monthly Premium$103
GEICOAnnual Premium$1,313Monthly Premium$109
AAAAnnual Premium$1,320Monthly Premium$110
MercuryAnnual Premium$1,324Monthly Premium$110
USAAAnnual Premium$1,326Monthly Premium$110
AllstateAnnual Premium$1,410Monthly Premium$117
Capital Insurance GroupAnnual Premium$1,458Monthly Premium$122
HartfordAnnual Premium$1,526Monthly Premium$127

How to Compare Cheap West Covina Car Insurance Quotes Online

Shopping for car insurance in West Covina can lead to significant savings. However, manually comparing rates takes approximately 15 minutes per company. You're looking at over an hour spent reviewing three or more providers.

MoneyGeek's car insurance calculator streamlines this process. Input details like your age, driving record, credit score and desired coverage level to promptly receive a tailored rate estimate, making it an efficient tool for finding the right insurance for your needs.

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 18, 2024

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Best Car Insurance in West Covina: Overview

Choosing the right auto insurance for you is about balancing preferences in various aspects, including service, cost and coverage. MoneyGeek's tailored scoring system evaluates these aspects to recommend West Covina's top providers. The providers who excel in each category are:

  • Best overall: Capital Insurance Group (MoneyGeek score 85 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 82 out of 100)

Capital Insurance Group is both the best overall provider and the best cheap provider, offering commendable value and affordability in West Covina. Chubb is the best for service and is the prime choice for those who prioritize exceptional customer care regardless of cost. Those seeking a blend of solid service and reasonable pricing will find Capital Insurance Group’s overall offerings well-suited to a wide range of needs.

Overall Best Car Insurance in West Covina

MoneyGeek found that Capital Insurance Group is the best option in West Covina, offering the best car insurance for drivers looking for full coverage policies. Based on comprehensive evaluations, two insurers stand out in this category:

  • Capital Insurance Group: MoneyGeek score of 85 out of 100 ($1,458 per year)
  • Mercury: MoneyGeek score of 79 out of 100 ($1,324 per year)

Capital Insurance Group secures its top spot thanks to exceptional client satisfaction and a strong score in the claims department. Its commitment to efficient service and customer care resonates with residents in the West Covina area, making it a leading choice for those seeking quality automobile coverage.

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

Overview

Capital Insurance Group's high MoneyGeek score is bolstered by exceptional satisfaction and claims scores, highlighting its strength in customer service and claims handling. Although the company lacks rental car and/or travel reimbursement, it does offer roadside assistance. Additionally, it offers full glass coverage — an advantageous option that provides convenient repairs when glass damage occurs.

Capital Insurance Group provides valuable coverages beyond the basics. Custom parts coverage ensures that drivers with special modifications benefit from specific protections. This coverage is particularly pertinent for those who are invested in maintaining the elevated standard of their vehicle's aftermarket additions. The company's high ranking reflects its commitment to customer experience and efficient claims resolution.

Best Car Insurance in West Covina for Customer Service

MoneyGeek found that Chubb is the best option in West Covina for those prioritizing customer service in their car insurance. This evaluation is purely based on the insurer's overall performance concerning customer satisfaction, claims handling and the breadth of coverages offered, without accounting for rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,344 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,458 per year)

Chubb distinguishes itself from its competitors primarily due to its exceptional claims handling service and comprehensive coverage options, which are key factors contributing to its high MoneyGeek score.

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

Overview

Chubb's high MoneyGeek score is primarily attributed to exceptional customer satisfaction and claims handling scores. It offers rental car and/or travel reimbursement to drivers seeking comprehensive protection. Chubb provides unique offerings, enhancing its value proposition despite any unlisted coverages.

Chubb has several coverages that cater to specific needs. Antique/classic car insurance is invaluable for enthusiasts seeking tailored protection for their prized vehicles. For those particular about repairs, original equipment manufacturer (OEM) coverage ensures replacements match the original quality. Vehicle owners concerned about their car's value after an accident can find comfort in Chubb's diminished value coverage, safeguarding against loss in worth. Its coverages and high scores highlight Chubb's commitment to quality service and comprehensive offerings.

Best Cheap Car Insurance in West Covina

MoneyGeek found that Capital Insurance Group is the best option in West Covina for those seeking value in car insurance. The score highlights the company's competitive pricing and reflects its commitment to customer satisfaction and claims processing.

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($611 per year)
  • Mercury: MoneyGeek score of 80 out of 100 ($535 per year)

Capital Insurance Group stands out for its affordability and superior service quality, earning the highest marks for customer satisfaction and claims handling. This top rank is particularly significant as the score pertains to minimum coverage policies, demonstrating that Capital Insurance Group offers an optimum blend of cost-effectiveness and reliable service.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

With its impressive satisfaction score, Capital Insurance Group is best for consumers who value an exceptional customer service experience. On average, drivers pay $611 per year for minimum coverage, ensuring affordability without compromising quality. The company offers various ways for drivers to manage their policies economically.

Capital Insurance Group's array of discounts highlights its commitment to providing value, including commonly found discounts such as bundling and multiple car options. Although it doesn't offer a safe driving discount, the breadth of its offers is noteworthy. Specifically, the bundling discount can be advantageous for drivers looking to insure multiple policies, whereas the multiple car discount aids households with several vehicles. Both discounts present meaningful savings opportunities and added convenience, reinforcing Capital Insurance Group's dedication to accommodating diverse insurance needs. The company's high scores highlight its commitment to delivering superior value and customer satisfaction, ensuring a comprehensive insurance experience.

Average Cost of Car Insurance in West Covina

In West Covina, California, the average annual premium is $1,667. By comparison, this figure is above the overall state average of $1,562. Californians pay approximately $219 less than the national average of $1,781 for car insurance.

Car insurance premiums are shaped by numerous elements, of which location is a significant determinant. Factors like local accident rates, theft statistics and weather patterns can significantly impact insurance costs. Santa Maria is the city with the least expensive car insurance premium at $1,251 per year, highlighting the role of location in pricing. Meanwhile, Glendale is the most expensive city, with premiums reaching $2,433 — a stark contrast that underscores the influence of traffic density and urban risk factors. It is also worth noting that rural or less crowded areas often experience lower insurance rates due to reduced traffic densities.

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.