bestauto insuranceWest CovinaCompare the Cheapest Car Insurance Quotes in West Covina, CA
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Excluding USAA, Esurance offers the cheapest car insurance in West Covina, even for drivers with speeding tickets, although you may have different results based on your driving profile.
For state minimum insurance, Progressive offers the lowest rates.
Military members’ best option is generally USAA.
AAA is the best car insurance company in West Covina for drivers looking for a balance of cost and service.
bestauto insuranceWest CovinaThe Cheapest and Best Car Insurance in West Covina
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in West Covina
The companies offering the cheapest full coverage car insurance in West Covina are:
- Esurance: $1,149 per year
- Progressive: $1,158 per year
USAA is an excellent option if you come from a military family. You can purchase a policy from them for an average annual premium of $1,143.
Allied offers the most expensive car insurance in West Covina. A policy from them costs $1,778 per year on average. That’s nearly 55% higher than similar coverage from Esurance.
A full-coverage policy includes comprehensive and collision insurance, which protects you against costs from damages to your car. Your prices may change due to the amount of liability coverage you select.
Cheapest Car Insurance in West Covina
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,143
- 2.$1,149
- 3.$1,158
- 4.$1,261
- 5.$1,321
Using MoneyGeek's methodology, auto insurance rates were calculated using the profile of a 40-year-old male driver in West Covina seeking a full-coverage plan.
Purchasing full coverage car insurance provides you with more protection. It costs more than a state minimum policy but includes the following coverage:
- Comprehensive insurance: protects you against costs from damages to your car or property caused by non-collision-related events
- Collision insurance: helps pay for repairs after a crash
If you have an older car, it may be better to opt for liability-only insurance or a state-minimum policy to get the cheapest insurance rates, as a full coverage policy may cost more than it’s worth to insure your car.
Compare Car Insurance Rates in West Covina
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in West Covina for Minimum Coverage
In West Covina, the cheapest car insurance companies for drivers who want state-minimum policies are:
- Progressive: $490 per year
- GEICO: $549 per year
Present or former military members can find low rates from USAA. A policy with state minimum limits costs $478 per year on average through USAA.
If you have an older model car, liability-only coverage may be a better option. Full coverage car insurance may cause you to pay more for coverage than your vehicle is worth. Look at the table to compare costs.
Cheapest Minimum Liability Car Insurance in West Covina
State Minimum
- CompanyState Minimumper year
- 1.$478
- 2.$490
- 3.$549
- 4.$571
- 5.$598
California's minimum required car insurance is usually the least expensive option in West Covina, but it does not offer the best protection.
The state only requires drivers to carry liability insurance, which includes bodily injury and property damage coverage but may not fully cover you for any damages. For example, if you are at fault for an accident and damage $10,000 worth of property and have only $5,000 in coverage, you will be responsible for the additional $5,000.
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 West Covina if You Have Driving Violations
Your driving record is one of the factors that can affect your car insurance premium. If you have a speeding ticket, an at-fault accident or a DUI, your rates could go up.
The companies offering the most affordable car insurance in West Covina for drivers with driving violations are:
- Cheapest after a ticket: Esurance, $1,460 per year
- Cheapest after an at-fault accident: Esurance, $1,811 per year
- Cheapest after a DUI: Mercury, $2,325 per year
Drivers with a military background can consider USAA if they have a speeding ticket on their record. It offers the cheapest rate at $1,247 per year.
The best way to get cheap rates after a ticket or an accident is to improve it over time. In the short term, it’s best to shop around for car insurance quotes in West Covina, to see which insurer can offer the lowest rates.
Cheapest Car Insurance in West Covina With a Violation
Speeding Ticket
Average Cost of Car Insurance in West Covina
West Covina$1,468
California$1,429
U.S.$1,424
The average cost of car insurance in West Covina is $1,468 per year. Drivers in West Covina pay more than the average rate in California, at 2.7% higher. Rates in West Covina are also more expensive than the national average by 3.1%.
Personalized Quotes to Get You the Cheapest Car Insurance in West Covina
Keep in mind that several factors affect car insurance quotes in West Covina. These include your age and driving history, your car’s make and model and your ZIP code.
As insurers weigh factors differently, comparing quotes can help you find the best rate given your situation. Compare quotes from at least three different insurers to find the cheapest rate.
Compare Car Insurance Rates in West Covina
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in West Covina
MoneyGeek examined claims ratings, user satisfaction ratings and average rates to find the top auto insurance providers in West Covina. Overall, the best two auto insurers in the city are:
- AAA: MoneyGeek score of 90 out of 100
- Esurance: MoneyGeek score of 89 out of 100
USAA was excluded from this analysis because they only cater to military personnel. However, USAA received a MoneyGeek score of 97, making it the best car insurance company in West Covina for eligible policyholders.
1
AAA
Score:90
Aside from garnering a perfect score in affordability and high scores in satisfaction and claims, AAA offers identity theft coverage. For a 40-year-old in West Covina, an average full coverage policy costs $1,261 per year.
More About AAA
Aside from AAA, very few companies automatically include identity theft monitoring for policyholders. Identity theft monitoring can prevent your identity from being stolen or used for fraudulent purposes in West Covina.
With AAA, drivers can also add car rental reimbursement and roadside assistance to their policy. If your car is damaged due to a covered loss and is not driveable, car rental reimbursement pays for public transportation expenses or a car rental. On the other hand, roadside assistance pays for services like vehicle lockout, trip continuation and more.
Read MoneyGeek's AAA auto Insurance Review2
Esurance
Score:89
Esurance ranked well across categories but got an average score in claims. With Esurance, an average full coverage policy costs roughly $1,149 annually in West Covina. Esurance policyholders can add custom parts coverage.
More About Esurance
A unique add-on coverage that Esurance offers in West Covina is for a vehicle’s custom parts. If you make any improvements to your vehicle after you purchased it, these are still financially protected. Limits for this coverage can reach up to $4,000.
Esurance policyholders can also add gap insurance or roadside assistance. Gap insurance helps you cover a car loan or lease after a covered loss — you can get up to 25% more than your car’s cash value. Meanwhile, roadside assistance covers expenses for towing and services. It covers up to $75 per incident. Every six months, drivers can use roadside assistance three to six times.
Read MoneyGeek's Esurance auto Insurance Review3
GEICO
Score:84
4
Progressive
Score:82
5
MetLife
Score:72
6
Mercury
Score:72
7
State Farm
Score:68
8
Allstate
Score:62
9
Travelers
Score:55
10
Farmers
Score:54
11
Allied
Score:28
12
Hartford
Score:26
Average Cost of Car Insurance by Postal Code
Where you live is one of the factors that can significantly affect auto insurance quotes. Insurers use your ZIP code to determine several risk factors.
For example, if there are a high number of accidents in your area, this may cause your premium to increase. Frequent occurrences of automobile theft or vandalism have the same effect.
Drivers with a 91791 ZIP code have the most affordable rates in West Covina, with an average yearly premium of $1,462. In comparison, drivers in the 91790 ZIO code spend $11 more on average for auto insurance at $1,473 annually.
- Zip CodeState Minimumper year
- 91791$1,462
- 91790$1,473
Factors That Impact Insurance Costs in West Covina
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in West Covina. How West Covina ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
