Compare Downey, CA Car Insurance Rates (2021)

Car insurance in Downey, CA averages $353 a month. Downey, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Downey car insurance rates, compare quotes from the top car insurance companies in Downey, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Downey, CA are $4,235/year
  • The cheapest car insurance company in Downey for teen drivers is USAA
  • The cheapest car insurance company in Downey is USAA

If you need to buy Downey, California car insurance, the options can be confusing. Everything you need to know about car insurance in Downey, CA is right here.

You’ll find Downey car insurance rates, the cheapest Downey, CA car insurance companies, and information on California car insurance laws. You can also compare Downey, California car insurance rates to San Jose car insurance rates, Fresno car insurance rates, and San Diego car insurance rates.

Ready to find affordable Downey, CA car insurance today? Enter your ZIP code for fast, free Downey car insurance quotes.

Cheapest Downey, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Downey, CA car insurance rates? Every Downey, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Downey, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,444 $3,443 $2,496 $2,524 $9,604 $12,076 $4,429 $4,869
Farmers $2,941 $2,941 $2,662 $2,662 $9,375 $15,311 $3,486 $3,884
GEICO $1,956 $1,957 $1,839 $1,839 $5,971 $6,070 $2,813 $2,871
Liberty Mutual $2,483 $2,337 $2,323 $2,243 $5,370 $5,765 $2,784 $2,827
Nationwide $3,852 $3,674 $3,374 $3,177 $9,834 $10,870 $4,598 $4,538
Progressive $2,038 $2,099 $1,721 $2,050 $5,431 $6,563 $2,941 $3,165
State Farm $4,129 $4,129 $3,690 $3,690 $7,611 $9,446 $4,571 $4,713
Travelers $2,956 $2,856 $2,606 $2,578 $6,230 $7,106 $3,871 $3,778
USAA $2,095 $1,983 $2,043 $2,050 $4,803 $4,825 $2,896 $2,735

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Minimum Car Insurance in Downey, CA

Every driver must carry the minimum car insurance in Downey, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Downey, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Downey, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Downey, CA to rates for a clean record with top companies.

Annual Downey, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,212 $5,448 $8,557 $4,226
Farmers $4,000 $5,446 $6,779 $5,406
GEICO $2,210 $3,423 $4,283 $2,742
Liberty Mutual $2,836 $3,796 $3,429 $3,005
Nationwide $3,824 $4,908 $8,318 $4,908
Progressive $2,126 $3,614 $4,198 $3,066
State Farm $3,745 $4,466 $8,433 $4,346
Travelers $2,632 $4,368 $5,064 $3,927
USAA $1,943 $2,898 $4,743 $2,130

Cheapest Downey, CA Car Insurance for Teen Drivers

Teen car insurance in Downey, CA can be expensive. Take a look at rates from the top car insurance companies in Downey for teenagers.

Annual Car Insurance Rates for Teen Drivers in Downey, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,604 $12,076
Farmers $9,375 $15,311
GEICO $5,971 $6,070
Liberty Mutual $5,370 $5,765
Nationwide $9,834 $10,870
Progressive $5,431 $6,563
State Farm $7,611 $9,446
Travelers $6,230 $7,106
USAA $4,803 $4,825

Cheapest Downey, CA Car Insurance for Seniors

Take a look at Downey, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Downey, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,496 $2,524
Farmers $2,662 $2,662
GEICO $1,839 $1,839
Liberty Mutual $2,323 $2,243
Nationwide $3,374 $3,177
Progressive $1,721 $2,050
State Farm $3,690 $3,690
Travelers $2,606 $2,578
USAA $2,043 $2,050

Cheapest Downey, CA Car Insurance Rates After a DUI

A DUI in Downey, CA increases car insurance rates. Compare Downey, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Downey, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,557
Farmers $6,779
GEICO $4,283
Liberty Mutual $3,429
Nationwide $8,318
Progressive $4,198
State Farm $8,433
Travelers $5,064
USAA $4,743

Cheapest Downey, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Downey, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Downey, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,832 $5,889
Farmers $4,906 $5,910
GEICO $2,874 $3,455
Liberty Mutual $2,997 $3,536
Nationwide $4,844 $6,135
Progressive $2,949 $3,553
State Farm $5,056 $5,439
Travelers $3,590 $4,405
USAA $2,698 $3,159

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Cheapest Downey, CA Car Insurance Rates by ZIP Code

Downey car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Downey, CA.

Annual Car Insurance Rates by ZIP Code in Downey, California

ZIP Code Average Annual Rates
90240 $5,918
90241 $5,836
90242 $5,619

The Best Cheap Car Insurance Companies in Downey, CA

Take a look at a side-by-side comparison of the top car insurance companies in Downey, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Downey, California

Insurance Company Average Annual Rates
Allstate $5,361
Farmers $5,408
GEICO $3,165
Liberty Mutual $3,266
Nationwide $5,490
Progressive $3,251
State Farm $5,248
Travelers $3,998
USAA $2,929

Category Winners: Cheapest Car Insurance in Downey, California

Find the cheapest car insurance companies in Downey, CA for each category right here.

Best Annual Car Insurance Rates by Company in Downey, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Downey, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Downey car insurance rates. Find the cheapest Downey, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Downey, California

Insurance Company Low Medium High
Allstate $5,070 $5,407 $5,605
Farmers $5,018 $5,451 $5,754
GEICO $2,848 $3,202 $3,443
Liberty Mutual $3,017 $3,297 $3,486
Nationwide $4,912 $5,588 $5,968
Progressive $2,932 $3,344 $3,477
State Farm $4,723 $5,338 $5,681
Travelers $3,458 $4,108 $4,427
USAA $2,643 $2,988 $3,154

What affects car insurance rates in Downey, California?

What factors can have an impact on Downey, CA car insurance? There are several reasons why Downey car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Downey, California.

Car Theft in Downey

High levels of vehicle theft can make car insurance more expensive. Downey, CA car theft statistics from the FBI indicate 606 vehicle thefts a year.

Commute Time in Downey

The more time you spend in your car the higher the risk of an accident. The average commute length in Downey, CA is 31.4 minutes according to City-Data.

Compare Car Insurance Quotes in Downey, CA

Ready to find affordable Downey, California car insurance today? Enter your ZIP code for fast, free Downey, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State