Compare Torrance, CA Car Insurance Rates (2021)

The cheapest Torrance, CA car insurance is offered by GEICO, but rates will vary by driver. Some Torrance drivers may qualify for the California Low-Cost Auto program if they meet certain requirements. Torrance, CA auto insurance must meet the state minimum liability requirements of 15/30/5, although drivers are encouraged to carry additional coverages.

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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: Sep 3, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance rates on average to all Torrance, CA drivers
  • Torrance is part of the larger Los Angeles area and shares a large traffic volume with the city
  • Low-income drivers in Torrance may qualify for the California Low-Cost Auto program

Torrance, CA car insurance is higher than the average California car insurance rates. It is also more expensive than the national average.

However, you can still find affordable Torrance, CA car insurance if you know where to look. Shop around and compare quotes from multiple companies to find the cheap car insurance that fits your needs.

Monthly Torrance, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Torrance, CA auto insurance rates by ZIP Code below:

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Torrance, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Torrance, CA against other top US metro areas’ auto insurance costs.

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Enter your ZIP code to compare Torrance, CA car insurance rates for free today.

What is the cheapest car insurance company in Torrance, CA?

USAA actually offers the cheapest average car insurance rates in Torrance, but it only offers coverage to the military, veterans, and their families. The cheapest car insurance offered to all drivers in the city is from GEICO.

The cheapest Torrance, CA car insurance providers can be found below. You also might be wondering, “How do those Torrance, CA rates compare against the average California car insurance company rates?” We uncover that too.

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The top Torrance, CA car insurance companies listed from least to most expensive are:

  • USAA – $2,704.62
  • GEICO – $3,024.31
  • Liberty Mutual – $3,182.85
  • Progressive – $3,198.26
  • Travelers – $3,674.42
  • State Farm – $4,257.97
  • Nationwide – $4,637.27
  • Allstate – $4,706.10
  • Farmers – $5,370.35

Your car insurance rates are affected by many different factors, such as your age and driving record. Many companies will also use gender to determine your rates, but California is one of the few states that doesn’t allow it.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, although the cities are near each other, Los Angeles car insurance is more expensive than coverage in Torrance.

It’s important to note that California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

Torrance, California car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Torrance, CA car insurance costs. Find the cheapest Torrance, California car insurance costs by coverage level below:

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Your driving record will affect your Torrance, CA car insurance costs. For example, a Torrance, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Torrance, California car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Torrance, California car insurance. Factors affecting car insurance rates in Torrance, CA may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Torrance, CA car insurance rates. Young drivers are often considered high-risk. This Torrance, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Torrance, CA.

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What car insurance coverage is required in Torrance, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally. California is no exception.

Torrance, CA drivers must carry car insurance including at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, such as damages from Torrance, CA weather.

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What affects car insurance rates in Torrance, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Torrance, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th most congested city in the world.

In fact, City-Data reports that most drivers in Torrance, CA commute around 35 minutes, but a large number of drives commute an hour or more.

Your car insurance rates will also go up if there is a lot of theft in your city. According to the FBI, there were 436 motor vehicle thefts in Torrance in one year.

Torrance, CA Car Insurance: The Bottom Line

Torrance car insurance is more expensive than average, but some drivers may qualify for the CLCA program if they meet certain requirements.

Before you buy Torrance, CA car insurance, compare rates from multiple companies to find the best deal for you.

Enter your ZIP code now to compare Torrance, CA car insurance quotes from multiple companies for free.

Free Car Insurance Comparison

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

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Monthly Torrance, CA Car Insurance Rates by ZIP Code
Torrance, CA Car Insurance Rates by Company vs. City Average
Torrance, CA Car Insurance Rates by Company and Age
The Cheapest Torrance, CA Car Insurance Rates by Coverage Level
The Cheapest Torrance, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Torrance, CA
Average Monthly Car Insurance Rates by Age & Gender in Torrance, CA
Monthly Torrance, CA Car Insurance Rates by ZIP Code
Torrance, CA Car Insurance Rates by Company vs. City Average
Torrance, CA Car Insurance Rates by Company and Age
The Cheapest Torrance, CA Car Insurance Rates by Coverage Level
The Cheapest Torrance, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Torrance, CA
Average Monthly Car Insurance Rates by Age & Gender in Torrance, CA