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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceWest Covina
2023

Cheapest and Best Car Insurance in West Covina, CA

Cheapest Minimum Liability Car Insurance in West Covina

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.

Company
Annual Premium
Monthly Premium

GEICO

$427

$36

GEICO

$433

$36

Mercury

$492

$41

State Farm

$493

$41

Mercury

$505

$42

GEICO

$510

$43

Progressive

$523

$44

AAA California

$528

$44

Progressive

$531

$44

AAA California

$552

$46

Travelers

$615

$51

Travelers

$615

$51

Mercury

$618

$52

Hartford

$622

$52

Progressive

$624

$52

State Farm

$651

$54

Capital Insurance Group

$651

$54

Farmers

$655

$55

Nationwide

$661

$55

State National

$663

$55

Farmers

$673

$56

AAA California

$675

$56

Capital Insurance Group

$676

$56

Kemper

$679

$57

State National

$684

$57

Nationwide

$687

$57

Travelers

$701

$58

Allstate

$707

$59

Hartford

$715

$60

Allstate

$716

$60

State Farm

$743

$62

Capital Insurance Group

$756

$63

Farmers

$764

$64

Allstate

$770

$64

Kemper

$783

$65

State National

$805

$67

Nationwide

$864

$72

Hartford

$933

$78

National General

$933

$78

National General

$963

$80

Chubb

$989

$82

Chubb

$1,020

$85

Kemper

$1,038

$87

GEICO

$1,109

$92

GEICO

$1,146

$95

National General

$1,157

$96

State Farm

$1,170

$98

Mercury

$1,186

$99

Progressive

$1,192

$99

Progressive

$1,193

$99

AAA California

$1,209

$101

Mercury

$1,210

$101

AAA California

$1,220

$102

Allstate

$1,251

$104

Allstate

$1,314

$109

GEICO

$1,324

$110

Hartford

$1,335

$111

Capital Insurance Group

$1,354

$113

National General

$1,385

$115

Nationwide

$1,403

$117

National General

$1,411

$118

Chubb

$1,433

$119

Progressive

$1,436

$120

Capital Insurance Group

$1,436

$120

Allstate

$1,455

$121

State National

$1,456

$121

State Farm

$1,501

$125

Nationwide

$1,513

$126

Hartford

$1,539

$128

State National

$1,563

$130

Mercury

$1,569

$131

AAA California

$1,604

$134

Capital Insurance Group

$1,616

$135

Travelers

$1,617

$135

Farmers

$1,667

$139

Kemper

$1,669

$139

Travelers

$1,689

$141

National General

$1,693

$141

Farmers

$1,705

$142

State Farm

$1,754

$146

State National

$1,918

$160

Nationwide

$1,960

$163

Hartford

$2,005

$167

Travelers

$2,013

$168

Farmers

$2,019

$168

Kemper

$2,040

$170

Chubb

$2,344

$195

Chubb

$2,420

$202

Kemper

$2,503

$209

Chubb

$3,462

$289

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.

Cheapest Full Coverage Car Insurance in West Covina

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.

Company
Annual Premium
Monthly Premium

GEICO

$427

$36

GEICO

$433

$36

Mercury

$492

$41

State Farm

$493

$41

Mercury

$505

$42

GEICO

$510

$43

Progressive

$523

$44

AAA California

$528

$44

Progressive

$531

$44

AAA California

$552

$46

Travelers

$615

$51

Travelers

$615

$51

Mercury

$618

$52

Hartford

$622

$52

Progressive

$624

$52

State Farm

$651

$54

Capital Insurance Group

$651

$54

Farmers

$655

$55

Nationwide

$661

$55

State National

$663

$55

Farmers

$673

$56

AAA California

$675

$56

Capital Insurance Group

$676

$56

Kemper

$679

$57

State National

$684

$57

Nationwide

$687

$57

Travelers

$701

$58

Allstate

$707

$59

Hartford

$715

$60

Allstate

$716

$60

State Farm

$743

$62

Capital Insurance Group

$756

$63

Farmers

$764

$64

Allstate

$770

$64

Kemper

$783

$65

State National

$805

$67

Nationwide

$864

$72

Hartford

$933

$78

National General

$933

$78

National General

$963

$80

Chubb

$989

$82

Chubb

$1,020

$85

Kemper

$1,038

$87

GEICO

$1,109

$92

GEICO

$1,146

$95

National General

$1,157

$96

State Farm

$1,170

$98

Mercury

$1,186

$99

Progressive

$1,192

$99

Progressive

$1,193

$99

AAA California

$1,209

$101

Mercury

$1,210

$101

AAA California

$1,220

$102

Allstate

$1,251

$104

Allstate

$1,314

$109

GEICO

$1,324

$110

Hartford

$1,335

$111

Capital Insurance Group

$1,354

$113

National General

$1,385

$115

Nationwide

$1,403

$117

National General

$1,411

$118

Chubb

$1,433

$119

Progressive

$1,436

$120

Capital Insurance Group

$1,436

$120

Allstate

$1,455

$121

State National

$1,456

$121

State Farm

$1,501

$125

Nationwide

$1,513

$126

Hartford

$1,539

$128

State National

$1,563

$130

Mercury

$1,569

$131

AAA California

$1,604

$134

Capital Insurance Group

$1,616

$135

Travelers

$1,617

$135

Farmers

$1,667

$139

Kemper

$1,669

$139

Travelers

$1,689

$141

National General

$1,693

$141

Farmers

$1,705

$142

State Farm

$1,754

$146

State National

$1,918

$160

Nationwide

$1,960

$163

Hartford

$2,005

$167

Travelers

$2,013

$168

Farmers

$2,019

$168

Kemper

$2,040

$170

Chubb

$2,344

$195

Chubb

$2,420

$202

Kemper

$2,503

$209

Chubb

$3,462

$289

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.

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Cheapest Car Insurance in West Covina After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

Mercury

$632

$53

Mercury

$648

$54

GEICO

$652

$54

GEICO

$660

$55

AAA California

$705

$59

Capital Insurance Group

$722

$60

AAA California

$736

$61

State Farm

$749

$62

Capital Insurance Group

$749

$62

Capital Insurance Group

$757

$63

GEICO

$765

$64

GEICO

$773

$64

GEICO

$779

$65

State Farm

$783

$65

Capital Insurance Group

$784

$65

Mercury

$791

$66

Mercury

$800

$67

Mercury

$813

$68

Capital Insurance Group

$839

$70

AAA California

$842

$70

Capital Insurance Group

$880

$73

Mercury

$880

$73

AAA California

$881

$73

Farmers

$893

$74

Farmers

$893

$74

Hartford

$900

$75

Hartford

$900

$75

Mercury

$903

$75

AAA California

$904

$75

Kemper

$905

$75

GEICO

$912

$76

Farmers

$917

$76

Farmers

$917

$76

State National

$942

$79

State National

$942

$79

Progressive

$945

$79

Travelers

$955

$80

Travelers

$955

$80

Progressive

$961

$80

State National

$971

$81

State National

$971

$81

National General

$987

$82

National General

$987

$82

State Farm

$989

$82

Allstate

$994

$83

Mercury

$1,000

$83

Allstate

$1,006

$84

National General

$1,018

$85

National General

$1,018

$85

Nationwide

$1,025

$85

State Farm

$1,033

$86

Farmers

$1,042

$87

Farmers

$1,042

$87

GEICO

$1,042

$87

Progressive

$1,043

$87

Kemper

$1,045

$87

Hartford

$1,047

$87

Hartford

$1,047

$87

GEICO

$1,055

$88

Progressive

$1,062

$88

Nationwide

$1,065

$89

Travelers

$1,067

$89

Travelers

$1,069

$89

AAA California

$1,082

$90

Allstate

$1,088

$91

Travelers

$1,100

$92

Mercury

$1,116

$93

Farmers

$1,116

$93

State Farm

$1,129

$94

Capital Insurance Group

$1,133

$94

Progressive

$1,138

$95

Progressive

$1,140

$95

Nationwide

$1,143

$95

Farmers

$1,146

$95

Allstate

$1,146

$96

State National

$1,147

$96

State National

$1,147

$96

Allstate

$1,161

$97

Progressive

$1,164

$97

Capital Insurance Group

$1,174

$98

State Farm

$1,180

$98

Nationwide

$1,187

$99

National General

$1,224

$102

National General

$1,224

$102

Travelers

$1,230

$103

GEICO

$1,246

$104

Allstate

$1,258

$105

Progressive

$1,259

$105

Chubb

$1,282

$107

Travelers

$1,288

$107

Travelers

$1,288

$107

Farmers

$1,302

$109

Chubb

$1,314

$110

Capital Insurance Group

$1,319

$110

Nationwide

$1,344

$112

Progressive

$1,381

$115

Kemper

$1,386

$115

Hartford

$1,397

$116

Hartford

$1,397

$116

National General

$1,411

$118

National General

$1,456

$121

National General

$1,457

$121

National General

$1,457

$121

National General

$1,485

$124

National General

$1,485

$124

Travelers

$1,490

$124

Nationwide

$1,500

$125

State Farm

$1,542

$128

Kemper

$1,545

$129

Kemper

$1,545

$129

Capital Insurance Group

$1,550

$129

Mercury

$1,563

$130

AAA California

$1,565

$130

Chubb

$1,567

$131

AAA California

$1,579

$132

Capital Insurance Group

$1,591

$133

Mercury

$1,595

$133

Chubb

$1,599

$133

Capital Insurance Group

$1,647

$137

GEICO

$1,662

$139

Capital Insurance Group

$1,690

$141

State National

$1,708

$142

GEICO

$1,718

$143

Chubb

$1,728

$144

State Farm

$1,738

$145

National General

$1,754

$146

State National

$1,763

$147

National General

$1,782

$148

National General

$1,782

$148

Nationwide

$1,820

$152

State Farm

$1,822

$152

Allstate

$1,822

$152

AAA California

$1,826

$152

AAA California

$1,849

$154

AAA California

$1,854

$154

Capital Insurance Group

$1,858

$155

GEICO

$1,860

$155

Kemper

$1,879

$157

Kemper

$1,879

$157

Nationwide

$1,891

$158

Capital Insurance Group

$1,907

$159

AAA California

$1,911

$159

GEICO

$1,918

$160

Allstate

$1,918

$160

Mercury

$1,954

$163

GEICO

$1,986

$166

Hartford

$1,992

$166

Hartford

$1,992

$166

Mercury

$1,995

$166

Chubb

$2,012

$168

State Farm

$2,037

$170

Chubb

$2,041

$170

National General

$2,068

$172

Allstate

$2,069

$172

Chubb

$2,072

$173

State National

$2,073

$173

State National

$2,073

$173

Mercury

$2,076

$173

AAA California

$2,079

$173

State National

$2,093

$174

Mercury

$2,099

$175

Allstate

$2,102

$175

National General

$2,108

$176

Allstate

$2,132

$178

Mercury

$2,136

$178

Hartford

$2,167

$181

Nationwide

$2,177

$181

GEICO

$2,219

$185

Kemper

$2,220

$185

State National

$2,226

$185

State National

$2,226

$185

State Farm

$2,233

$186

Progressive

$2,251

$188

Progressive

$2,254

$188

Allstate

$2,256

$188

Allstate

$2,281

$190

Farmers

$2,303

$192

Farmers

$2,303

$192

Hartford

$2,307

$192

Hartford

$2,307

$192

State Farm

$2,327

$194

State Farm

$2,338

$195

Nationwide

$2,350

$196

AAA California

$2,356

$196

Farmers

$2,358

$197

Farmers

$2,358

$197

Kemper

$2,371

$198

Kemper

$2,371

$198

Allstate

$2,384

$199

Nationwide

$2,397

$200

Capital Insurance Group

$2,426

$202

Nationwide

$2,427

$202

AAA California

$2,446

$204

Progressive

$2,453

$204

Progressive

$2,462

$205

Travelers

$2,483

$207

Chubb

$2,487

$207

National General

$2,532

$211

Hartford

$2,563

$214

Capital Insurance Group

$2,575

$215

Travelers

$2,585

$215

Mercury

$2,596

$216

State Farm

$2,606

$217

Nationwide

$2,621

$218

GEICO

$2,653

$221

Allstate

$2,661

$222

Kemper

$2,714

$226

Progressive

$2,726

$227

State Farm

$2,730

$227

State National

$2,733

$228

State National

$2,733

$228

GEICO

$2,741

$228

Travelers

$2,774

$231

Mercury

$2,775

$231

Farmers

$2,791

$233

Farmers

$2,791

$233

Progressive

$2,795

$233

Progressive

$2,809

$234

Farmers

$2,877

$240

Travelers

$2,882

$240

Capital Insurance Group

$2,906

$242

Farmers

$2,946

$246

Progressive

$2,975

$248

Hartford

$3,031

$253

Hartford

$3,031

$253

Nationwide

$3,053

$254

Chubb

$3,088

$257

Travelers

$3,103

$259

Chubb

$3,166

$264

GEICO

$3,171

$264

Kemper

$3,334

$278

Progressive

$3,397

$283

Nationwide

$3,410

$284

Travelers

$3,463

$289

Travelers

$3,466

$289

Farmers

$3,489

$291

Hartford

$3,508

$292

State Farm

$3,593

$299

Travelers

$3,614

$301

Kemper

$3,692

$308

Kemper

$3,692

$308

AAA California

$3,770

$314

AAA California

$3,784

$315

Chubb

$3,802

$317

Nationwide

$3,866

$322

State National

$3,866

$322

Chubb

$3,877

$323

Allstate

$3,986

$332

State National

$4,158

$347

Nationwide

$4,180

$348

Chubb

$4,207

$351

Allstate

$4,211

$351

Travelers

$4,370

$364

State Farm

$4,615

$385

Kemper

$4,653

$388

Kemper

$4,653

$388

Allstate

$4,698

$391

Hartford

$4,813

$401

Chubb

$4,930

$411

AAA California

$4,996

$416

Chubb

$5,000

$417

Chubb

$5,076

$423

State National

$5,123

$427

State Farm

$5,386

$449

Nationwide

$5,455

$455

Kemper

$5,555

$463

Kemper

$5,555

$463

Hartford

$5,626

$469

Chubb

$6,127

$511

Hartford

$7,520

$627

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.

Cheapest Car Insurance in West Covina for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,479

$2,377

GEICO

$1,514

$2,434

GEICO

$1,516

$2,680

GEICO

$1,533

$2,557

GEICO

$1,551

$2,493

GEICO

$1,559

$2,755

GEICO

$1,581

$2,911

GEICO

$1,601

$2,830

GEICO

$1,756

$2,626

Capital Insurance Group

$1,803

$2,314

Capital Insurance Group

$1,803

$2,314

GEICO

$1,814

$2,999

Progressive

$1,837

$2,934

Progressive

$1,837

$2,934

Nationwide

$1,934

$4,016

Nationwide

$1,934

$4,016

Allstate

$1,958

$3,184

Allstate

$1,958

$3,184

Progressive

$1,988

$3,176

Progressive

$1,988

$3,176

Allstate

$2,050

$3,334

Allstate

$2,050

$3,334

Capital Insurance Group

$2,053

$2,741

Capital Insurance Group

$2,053

$2,741

Allstate

$2,102

$3,704

Allstate

$2,102

$3,704

Nationwide

$2,121

$4,404

Nationwide

$2,121

$4,404

Allstate

$2,124

$3,453

Allstate

$2,124

$3,453

Progressive

$2,128

$3,925

Progressive

$2,128

$3,925

Capital Insurance Group

$2,136

$2,741

Capital Insurance Group

$2,136

$2,741

Capital Insurance Group

$2,136

$2,741

Capital Insurance Group

$2,136

$2,741

Farmers

$2,149

$3,071

Farmers

$2,149

$3,071

Kemper

$2,188

$4,410

Kemper

$2,188

$4,410

Nationwide

$2,189

$5,037

Nationwide

$2,189

$5,037

Progressive

$2,228

$3,559

Progressive

$2,228

$3,559

Allstate

$2,253

$3,720

Allstate

$2,253

$3,720

GEICO

$2,260

$3,817

Nationwide

$2,274

$4,720

Nationwide

$2,274

$4,720

Kemper

$2,310

$4,656

Kemper

$2,310

$4,656

GEICO

$2,349

$4,402

State Farm

$2,351

$3,452

State Farm

$2,351

$3,452

Capital Insurance Group

$2,384

$3,084

Capital Insurance Group

$2,384

$3,084

Farmers

$2,406

$3,562

Farmers

$2,406

$3,562

Kemper

$2,432

$5,475

Kemper

$2,432

$5,475

Travelers

$2,434

$3,352

Travelers

$2,434

$3,352

State Farm

$2,445

$3,591

State Farm

$2,445

$3,591

GEICO

$2,472

$3,696

Capital Insurance Group

$2,472

$3,084

Capital Insurance Group

$2,472

$3,084

State Farm

$2,488

$3,896

State Farm

$2,488

$3,896

Farmers

$2,492

$3,562

Farmers

$2,492

$3,562

Farmers

$2,492

$3,562

Farmers

$2,492

$3,562

State Farm

$2,502

$3,674

State Farm

$2,502

$3,674

Kemper

$2,513

$5,065

Kemper

$2,513

$5,065

Travelers

$2,519

$3,470

Travelers

$2,519

$3,470

Nationwide

$2,562

$5,521

Nationwide

$2,562

$5,521

GEICO

$2,570

$4,249

Travelers

$2,571

$3,724

Travelers

$2,571

$3,724

Allstate

$2,584

$4,742

Allstate

$2,584

$4,742

Travelers

$2,625

$3,616

Travelers

$2,625

$3,616

Allstate

$2,627

$4,337

Allstate

$2,627

$4,337

Progressive

$2,639

$4,305

Progressive

$2,639

$4,305

Capital Insurance Group

$2,647

$3,424

Capital Insurance Group

$2,647

$3,424

State Farm

$2,665

$3,972

State Farm

$2,665

$3,972

Farmers

$2,691

$4,084

Farmers

$2,691

$4,084

Kemper

$2,817

$5,805

Kemper

$2,817

$5,805

State Farm

$2,830

$4,423

State Farm

$2,830

$4,423

State Farm

$2,856

$4,255

State Farm

$2,856

$4,255

Travelers

$2,868

$3,908

Travelers

$2,868

$3,908

Farmers

$2,909

$4,703

Farmers

$2,909

$4,703

Farmers

$2,936

$4,455

Farmers

$2,936

$4,455

Kemper

$3,051

$6,288

Kemper

$3,051

$6,288

Farmers

$3,063

$6,060

Farmers

$3,063

$6,060

Kemper

$3,077

$6,932

Kemper

$3,077

$6,932

Travelers

$3,112

$4,510

Travelers

$3,112

$4,510

GEICO

$3,122

$5,520

Farmers

$3,138

$6,339

Farmers

$3,138

$6,339

State Farm

$3,145

$5,609

State Farm

$3,145

$5,609

Farmers

$3,148

$6,229

Farmers

$3,148

$6,229

Nationwide

$3,157

$7,633

Nationwide

$3,157

$7,633

Travelers

$3,160

$4,307

Travelers

$3,160

$4,307

GEICO

$3,272

$6,416

Progressive

$3,290

$6,092

Progressive

$3,290

$6,092

State Farm

$3,334

$5,946

State Farm

$3,334

$5,946

GEICO

$3,346

$6,163

Nationwide

$3,368

$7,257

Nationwide

$3,368

$7,257

Capital Insurance Group

$3,398

$4,237

Capital Insurance Group

$3,398

$4,237

Capital Insurance Group

$3,398

$4,237

Capital Insurance Group

$3,398

$4,237

Capital Insurance Group

$3,398

$4,237

Capital Insurance Group

$3,398

$4,237

State Farm

$3,405

$6,663

State Farm

$3,405

$6,663

GEICO

$3,432

$6,069

Allstate

$3,448

$6,819

Allstate

$3,448

$6,819

Progressive

$3,496

$5,704

Progressive

$3,496

$5,704

GEICO

$3,528

$7,252

Allstate

$3,571

$7,183

Allstate

$3,571

$7,183

GEICO

$3,613

$7,084

Allstate

$3,632

$7,183

Allstate

$3,632

$7,183

Progressive

$3,796

$7,746

Progressive

$3,796

$7,746

Progressive

$3,821

$7,814

Progressive

$3,821

$7,814

Progressive

$3,836

$7,826

Progressive

$3,836

$7,826

Travelers

$4,159

$5,686

Travelers

$4,159

$5,686

Travelers

$4,345

$5,940

Travelers

$4,345

$5,940

Travelers

$4,355

$6,234

Travelers

$4,355

$6,234

Kemper

$4,642

$9,466

Kemper

$4,642

$9,466

Nationwide

$4,796

$10,319

Nationwide

$4,796

$10,319

Kemper

$5,085

$10,370

Kemper

$5,085

$10,370

Kemper

$5,132

$11,559

Kemper

$5,132

$11,559

Nationwide

$5,392

$11,602

Nationwide

$5,392

$11,602

Nationwide

$5,565

$14,003

Nationwide

$5,565

$14,003

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.

Cheapest Car Insurance in West Covina for Military Drivers

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.

Company
Annual Premium
Monthly Premium

GEICO

$427

$36

GEICO

$433

$36

USAA

$457

$38

USAA

$458

$38

Mercury

$492

$41

State Farm

$493

$41

Mercury

$505

$42

GEICO

$510

$43

Progressive

$523

$44

AAA California

$528

$44

Progressive

$531

$44

AAA California

$552

$46

USAA

$552

$46

Travelers

$615

$51

Travelers

$615

$51

Mercury

$618

$52

Hartford

$622

$52

Progressive

$624

$52

State Farm

$651

$54

Capital Insurance Group

$651

$54

Farmers

$655

$55

Nationwide

$661

$55

State National

$663

$55

Farmers

$673

$56

AAA California

$675

$56

Capital Insurance Group

$676

$56

Kemper

$679

$57

State National

$684

$57

Nationwide

$687

$57

Travelers

$701

$58

Allstate

$707

$59

Hartford

$715

$60

Allstate

$716

$60

State Farm

$743

$62

Capital Insurance Group

$756

$63

Farmers

$764

$64

Allstate

$770

$64

Kemper

$783

$65

State National

$805

$67

Nationwide

$864

$72

Hartford

$933

$78

National General

$933

$78

National General

$963

$80

Chubb

$989

$82

USAA

$1,006

$84

Chubb

$1,020

$85

USAA

$1,027

$86

Kemper

$1,038

$87

GEICO

$1,109

$92

GEICO

$1,146

$95

National General

$1,157

$96

State Farm

$1,170

$98

Mercury

$1,186

$99

Progressive

$1,192

$99

Progressive

$1,193

$99

AAA California

$1,209

$101

Mercury

$1,210

$101

AAA California

$1,220

$102

USAA

$1,229

$102

Allstate

$1,251

$104

Allstate

$1,314

$109

GEICO

$1,324

$110

Hartford

$1,335

$111

Capital Insurance Group

$1,354

$113

National General

$1,385

$115

Nationwide

$1,403

$117

National General

$1,411

$118

Chubb

$1,433

$119

Progressive

$1,436

$120

Capital Insurance Group

$1,436

$120

Allstate

$1,455

$121

State National

$1,456

$121

State Farm

$1,501

$125

Nationwide

$1,513

$126

Hartford

$1,539

$128

State National

$1,563

$130

Mercury

$1,569

$131

AAA California

$1,604

$134

Capital Insurance Group

$1,616

$135

Travelers

$1,617

$135

Farmers

$1,667

$139

Kemper

$1,669

$139

Travelers

$1,689

$141

National General

$1,693

$141

Farmers

$1,705

$142

State Farm

$1,754

$146

State National

$1,918

$160

Nationwide

$1,960

$163

Hartford

$2,005

$167

Travelers

$2,013

$168

Farmers

$2,019

$168

Kemper

$2,040

$170

Chubb

$2,344

$195

Chubb

$2,420

$202

Kemper

$2,503

$209

Chubb

$3,462

$289

How to Compare Cheap West Covina Car Insurance Quotes Online

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.

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Best Car Insurance in West Covina: Summary

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.

Best Overall Car Insurance in West Covina

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.

How was this MoneyGeek score calculated?

GEICO

pros

Very affordable

Offers satisfactory customer service

Offers Mechanical Breakdown Insurance (MBI) and rental car reimbursement coverage

cons

Subpar claims management ratings

No original equipment manufacturer (OEM) coverage and gap insurance

COMPANY HIGHLIGHTS

Good customer service and affordable rates are the defining characteristics of GEICO as a car insurance provider in West Covina. And, although its coverages are less extensive than its competitors, its offerings will benefit most drivers. GEICO's roadside assistance, for example, comes with towing services, emergency fuel delivery and flat tire assistance, among others.

GEICO's MBI offers temporary repair coverage for mechanical breakdowns that occur within 15 months of purchase — whether you finance or lease the vehicle. Note that the car must have traveled less than 15,000 miles. MBI also extends the typical dealership warranty and includes all parts and systems, not just specific ones.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in West Covina for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

Excellent service and claims handling

Offers rental car reimbursement and OEM coverage

cons

Limited coverages

Doesn’t have roadside assistance and gap insurance

COMPANY HIGHLIGHTS

Although pricey, Chubb has established a sturdy reputation for excellent customer service. The company offers a few discounts that can help reduce costs, such as discounts for having anti-lock brakes, a honing device, an anti-theft system or daytime running lights. Bundling home and auto insurance also helps policyholders save.

Chubb’s OEM coverage is not one many insurers offer. After an accident, this coverage ensures that technicians only install parts and follow procedures originally intended by the manufacturer. Using original parts will restore your car's performance and safety systems to optimal condition. Chubb also offers optional rental car reimbursement, which pays up to $5,000 for any car rentals – regardless of how many miles you drive in a day.

Best Cheap Car Insurance in West Covina

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.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $433 per year

Offers safe driving, defensive driving, seat belt use and daytime running lights discounts

Has strong customer service and budget-friendly premiums

cons

No paperless or pay-in-full discounts

Claims handling and coverage are weak points

COMPANY HIGHLIGHTS

GEICO can be an excellent option for drivers who want to save money on their car insurance. Even though its rates are already some of the most affordable for the average driver in West Covina, the company offers various discounts to help you save more.

For example, if you maintain a spotless driving record for five consecutive years, you’ll be eligible for a discount. In addition, if you complete a defensive driving course, have airbags, anti-lock brakes, daytime running lights, and use a seat belt, you can get a discount. GEICO offers rate reductions to military members deployed in an emergency, students with good grades, senior drivers, federal employees and teachers. You can also clock a discount for bundling, having a new car and insuring more than one vehicle.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in West Covina

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.

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.