Compare Torrance, CA Car Insurance Rates (2021)

Car insurance in Torrance, CA averages $322 a month. Torrance, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Torrance car insurance rates, compare quotes from the top car insurance companies in Torrance, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Torrance, CA after a DUI are $5,407/year
  • Average car insurance rates in Torrance, CA are $3,862/year
  • The cheapest car insurance company in Torrance for teen drivers is USAA

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

You’ll find Torrance car insurance rates, the cheapest Torrance, CA car insurance companies, and information on California car insurance laws. You can also compare Torrance, California car insurance rates to Long Beach car insurance rates, Sacramento car insurance rates, and Los Angeles car insurance rates.

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

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

How do age, gender, and marital status affect Torrance, CA car insurance rates? Every Torrance, 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 Torrance, 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 $3,032 $3,026 $2,210 $2,224 $8,461 $10,625 $3,858 $4,212
Farmers $2,921 $2,921 $2,651 $2,651 $9,320 $15,174 $3,464 $3,860
GEICO $1,871 $1,871 $1,759 $1,759 $5,705 $5,796 $2,689 $2,744
Liberty Mutual $2,420 $2,275 $2,268 $2,190 $5,226 $5,621 $2,709 $2,754
Nationwide $3,248 $3,096 $2,859 $2,690 $8,321 $9,186 $3,878 $3,820
Progressive $1,986 $2,045 $1,700 $2,015 $5,385 $6,479 $2,879 $3,096
State Farm $3,341 $3,341 $2,987 $2,987 $6,196 $7,699 $3,700 $3,813
Travelers $2,719 $2,623 $2,404 $2,380 $5,753 $6,511 $3,546 $3,459
USAA $1,937 $1,834 $1,890 $1,896 $4,424 $4,448 $2,677 $2,529

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Minimum Car Insurance in Torrance, CA

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

Minimum Required Car Insurance Coverage in Torrance, 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 Torrance, 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 Torrance, CA to rates for a clean record with top companies.

Annual Torrance, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,837 $4,764 $7,503 $3,720
Farmers $3,977 $5,410 $6,726 $5,368
GEICO $2,112 $3,271 $4,093 $2,621
Liberty Mutual $2,763 $3,698 $3,342 $2,928
Nationwide $3,236 $4,150 $7,013 $4,150
Progressive $2,087 $3,564 $4,131 $3,011
State Farm $3,042 $3,625 $6,837 $3,528
Travelers $2,423 $4,020 $4,640 $3,614
USAA $1,797 $2,676 $4,377 $1,968

Cheapest Torrance, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Torrance, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,461 $10,625
Farmers $9,320 $15,174
GEICO $5,705 $5,796
Liberty Mutual $5,226 $5,621
Nationwide $8,321 $9,186
Progressive $5,385 $6,479
State Farm $6,196 $7,699
Travelers $5,753 $6,511
USAA $4,424 $4,448

Cheapest Torrance, CA Car Insurance for Seniors

Take a look at Torrance, 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 Torrance, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,210 $2,224
Farmers $2,651 $2,651
GEICO $1,759 $1,759
Liberty Mutual $2,268 $2,190
Nationwide $2,859 $2,690
Progressive $1,700 $2,015
State Farm $2,987 $2,987
Travelers $2,404 $2,380
USAA $1,890 $1,896

Cheapest Torrance, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Torrance, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,503
Farmers $6,726
GEICO $4,093
Liberty Mutual $3,342
Nationwide $7,013
Progressive $4,131
State Farm $6,837
Travelers $4,640
USAA $4,377

Cheapest Torrance, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Torrance, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,240 $5,172
Farmers $4,871 $5,870
GEICO $2,747 $3,302
Liberty Mutual $2,920 $3,445
Nationwide $4,094 $5,181
Progressive $2,900 $3,497
State Farm $4,102 $4,414
Travelers $3,305 $4,044
USAA $2,493 $2,917

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Cheapest Torrance, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Torrance, California

ZIP Code Average Annual Rates
90501 $5,429
90503 $5,173
90504 $5,309
90505 $5,215
90506 $5,461

The Best Cheap Car Insurance Companies in Torrance, CA

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

Average Annual Car Insurance Rates by Company in Torrance, California

Insurance Company Average Annual Rates
Allstate $4,706
Farmers $5,370
GEICO $3,024
Liberty Mutual $3,183
Nationwide $4,637
Progressive $3,198
State Farm $4,258
Travelers $3,674
USAA $2,705

Category Winners: Cheapest Car Insurance in Torrance, California

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

Best Annual Car Insurance Rates by Company in Torrance, 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 Torrance, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Torrance, California

Insurance Company Low Medium High
Allstate $4,431 $4,750 $4,938
Farmers $4,966 $5,417 $5,728
GEICO $2,722 $3,061 $3,290
Liberty Mutual $2,931 $3,214 $3,403
Nationwide $4,129 $4,724 $5,059
Progressive $2,838 $3,302 $3,454
State Farm $3,795 $4,341 $4,638
Travelers $3,144 $3,784 $4,095
USAA $2,447 $2,759 $2,909

What affects car insurance rates in Torrance, California?

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

Car Theft in Torrance

High levels of vehicle theft can make car insurance more expensive. Torrance, CA car theft statistics from the FBI indicate 283 vehicle thefts a year.

Commute Time in Torrance

The more time you spend in your car the higher the risk of an accident. The average commute length in Torrance, CA is 29.2 minutes according to City-Data.

Compare Car Insurance Quotes in Torrance, CA

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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