Cheapest and Best Car Insurance Companies in West Covina, CA

Depending on your driver profile and circumstances, the cheapest insurer for you may vary. While GEICO is best for full and minimum coverage policies, Chubb is your best bet if you value customer service over price. Drivers with speeding tickets or a DUI save more with National General, but Capital Insurance Group is best if you have an at-fault accident. Meanwhile, Farmers and USAA are the most cost-effective for teens and military members, respectively.

The cheapest car insurance companies for a minimum coverage policy in West Covina are:

• GEICO: $433 per year
• Mercury: $492 per year

Chubb offers the most expensive annual rate for a minimum coverage policy at $989.

California law states that a minimum coverage car insurance policy must include the following:

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

With a minimum coverage policy in California, if you get into an accident, your insurer will pay up to $15,000 for bodily injuries per person involved, up to $30,000 total, and up to $5,000 for property damage. Any costs above these amounts become your responsibility.

West Covina's least expensive auto insurers offering full coverage insurance are:

• GEICO: $1,146 per year
• Progressive: $1,192 per year

Chubb offers the most expensive option for a full coverage car insurance policy at $2,344 per year.

Full coverage policies include comprehensive and collision insurance.

• Collision Insurance: If you collide with a vehicle or another object, collision insurance pays to repair or replace your car.
• Comprehensive Insurance: If your vehicle sustains damage due to something other than an accident — such as vandalism, weather or theft — comprehensive insurance pays to repair or replace it.

Full coverage insurance may not be the most cost-effective option for older cars, as the cost of the policy could exceed the vehicle’s value.

The cheapest car insurance companies for those with driving violations in West Covina are:

• Speeding ticket: National General ($1,457 per year)
• At-fault accident: Capital Insurance Group ($1,690 per year)
• DUI: National General ($1,457 per year)

Chubb offers the highest rates for those with speeding tickets ($3,088) and at-fault accidents ($3,802). For DUIs, Hartford is the most expensive, at around $5,626. Note that even the cheapest company’s rates for bad drivers are usually much higher than for safe drivers.

If you have a traffic violation, your insurance rate will increase in direct proportion to the violation’s severity. For example, West Covina rates increase by an average of $647 after a speeding ticket. After a DUI, however, rates increase an average of $2,233. You can still find the cheapest car insurance for a poor driving record by shopping around.

West Covina's least expensive auto insurers for teenagers on family policies are:

• Farmers: $3,138 per year (male and female)
• Capital Insurance Group: $3,398 per year (male) and GEICO: $3,346 per year (female)

Nationwide offers the most expensive rate for both male and female teens at $5,565 per year for both. Some companies have different rates for male and female teens because the former are seen as high-risk. These rate differences tend to disappear by early adulthood.

If a 16-year-old male were to purchase his own car insurance, he would spend $4,498 annually. Adding the same teen to a family policy costs $3,825, a savings of $673 per year. Another way to keep costs down is to choose the cheapest car insurance available for teens and take advantage of discounts for students.

The most affordable car insurance companies for active or veteran military families who want full coverage policies in West Covina are:

• USAA: $1,027 per year
• GEICO: $1,146 per year

GEICO has the lowest rate for minimum coverage car insurance, at $433 per year, followed by USAA, with a rate of $457 per year.

In West Covina, CA, getting a car insurance quote online can take 15 minutes, and you will likely need to input sensitive and personal information. MoneyGeek's car insurance calculator makes it easy to get a quick estimate of your insurance rates with just your age, vehicle type, amount of coverage and driving record.

Car insurance isn't a one-size-fits-all proposition. Here are MoneyGeek’s recommendations for the best companies in West Covina, CA, based on specific needs:

• Best overall: GEICO (MoneyGeek score 81 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: GEICO (MoneyGeek score 78 out of 100)

The overall MoneyGeek score for a company is subject to fluctuation because different categories are weighted differently. Also note that where you live can affect the price of your policy, changing how companies are scored on our system. For example, CSAA is considered the cheapest car insurance in California. A great option for military veterans and military families is USAA, with a MoneyGeek score of 85 out of 100.

The best car insurance companies in West Covina are:

• GEICO: MoneyGeek score 75 out of 100 ($1,146 per year)
• Capital Insurance Group: MoneyGeek score 75 out of 100 ($1,436 per year)

GEICO scores highly in both affordability and satisfaction, indicating the company will likely offer its clients affordable rates while meeting their expectations. USAA, with a MoneyGeek score of 85 out of 100, is also a great option for military families in West Covina, offering full coverage policies at about $1,027 per year.

When we exclude cost from our scoring system, the best companies for customer service in West Covina are:

• Chubb: MoneyGeek score 76 out of 100 ($2,344per year)
• Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,436 per year)

Chubb's high customer satisfaction and claims processing scores mean clients are pleased with the company's products and its service and claims management. However, Chubb is also the most expensive option, so customers pay more for excellent customer service.

Based on the affordability and service quality of policies that meet California’s minimum coverage requirements, the best companies in West Covina are:

• GEICO: MoneyGeek score 78 out of 100 ($433 per year)
• Mercury: MoneyGeek score 70 out of 100 ($492 per year)

While minimum coverage insurance in West Covina has the lowest premiums, it offers the least protection against liability costs and does not cover damage to the policyholder's car.

The price of full coverage auto insurance in West Covina averages $1,478 (as of October 2022). This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. California’s average cost for car insurance is $91 more affordable, while the national average cost of car insurance is $213 cheaper, suggesting that location can be a significant factor in determining prices.