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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.