Best Cheap Auto Insurance in Torrance, CA (2021)

The cheapest Torrance, CA auto 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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 13, 2021

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Things to Remember

  • GEICO offers the cheapest auto 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 auto insurance is higher than the average California auto insurance rates. It is also more expensive than the national average.

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

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

What is the cheapest Torrance, CA car insurance company?

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

The best auto insurance companies in Torrance, CA 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 auto 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 auto insurance. For example, although the cities are near each other, Los Angeles auto 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.

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What auto 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 auto 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.

What affects auto 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 auto 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 auto insurance: The Bottom Line

Torrance auto 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 auto insurance, compare rates from multiple companies to find the best deal for you.

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

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