Cheapest and Best Car Insurance in Inglewood, CA (2024)

In Inglewood, California, Progressive is the cheapest for minimum coverage, and Capital Insurance Group is cheapest for full coverage. Farmers is most affordable for teens.

Capital Insurance Group emerges as the best overall insurer due to optimal price–service balance, while Chubb offers premier customer service. Choosing the best depends on specific coverage needs and preferences.

Progressive offers the cheapest car insurance in Inglewood

• Progressive: $503 per year
• Mercury: $604 per year

National General holds the title for the most expensive minimum coverage policy in the city, costing $1,807 annually. This showcases a $1,304 difference in annual rates, highlighting why it's important to compare car insurance rates to ensure you're getting the best deal.

State Minimum Liability Requirements

In California's cities, like Inglewood, the state-mandated car insurance minimums are:

-$15,000 bodily injury per person
-$30,000 bodily injury per accident
-$5,000 property damage liability per accident

If you're insured at these minimums and are responsible for an accident, your policy would cover up to $15,000 for injuries to one person, but no more than $30,000 for the entire accident. Any costs exceeding your coverage limits would have to come out of your pocket.

Progressive offers the cheapest full coverage car insurance in Inglewood.

• Progressive: $1,254 per year
• AAA: $1,561 per year

Full coverage policies are higher priced due to the comprehensive protection they offer, covering a range of incidents beyond just liability. National General has the most expensive full coverage policy in Inglewood, costing $3,061 annually. That's $1,807 more than Progressive's rate, highlighting the importance of comparing car insurance rates.

Do You Need Full Coverage in California?

A full coverage policy in Inglewood includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

When considering drivers with a poor driving history in Inglewood, the impacts of various tickets and accidents on insurance rates can vary significantly.

• Speeding ticket: Capital Insurance Group ($1,812 per year)
• At-fault accident: Capital Insurance Group ($1,849 per year)
• DUI: Mercury ($2,660 per year)

Conversely, State Farm has the most expensive rates for the three offenses, with the annual rate for a DUI reaching $6,929, which is contrasted by the $1,812 annual premium for a speeding ticket from Capital Insurance Group. This demonstrates that the severity of the offense can make a significant difference.

Insurance rates in cities like Inglewood escalate with the severity of driving offenses due to the increased risks they represent to insurers. For instance, in Inglewood, drivers with a DUI face an average annual premium of about $4,546, higher than the approximately $2,752 annual rate for those with just a speeding ticket. Drivers with offenses should diligently compare insurance rates.

Farmers offers the cheapest car insurance for teens in Inglewood, ensuring affordability when it comes to insuring young drivers in your family.

• Farmers: $3,594 per year for female and male teens
• Capital Insurance Group: $3,720 per year for female and male teens

Nationwide offers the most expensive teen family policy in Inglewood, with an annual difference of $2,820 when compared to Farmers for female teen drivers. Such a variation in rates illustrates that investing time to explore your options can translate into significant savings. Teens are considered higher-risk drivers, and this distinction often leads to higher insurance premiums.

In Inglewood, on average, an individual teen policy costs $5,461 annually, compared with $4,565 when added to a family plan. Insurers often view teens as high-risk drivers due to inexperience, leading to elevated premiums for independent policies.

This substantial rate difference underscores why most teens find it challenging to secure personal insurance, making it far more feasible to benefit from the reduced rates of a joint family policy. Opting for family coverage is not only cost-effective but also increases the chances of approval.

In Inglewood, Progressive offers the most affordable full coverage car insurance for those with a military background. The two leading providers with the lowest annual premiums are:

• Progressive: $1,254 per year
• USAA: $1,406 per year

USAA, the second-cheapest option in Inglewood, is well-known for delivering services that tailor to the needs of active duty military members. While USAA's rates are slightly higher than Progressive's in this ranking, its unique offerings may provide additional value worth considering for those eligible for its policies.

In Inglewood, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Choosing the best auto insurance hinges on weighing service quality, cost, coverage and more. MoneyGeek's unique scoring system evaluates each aspect to guide your decision.

• Best overall: Capital Insurance Group (MoneyGeek score 85 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Chubb (MoneyGeek score 87 out of 100)

Chubb stands out as offering the premier experience and also suits those looking to economize without compromising on quality. Capital Insurance Group garners the title of best overall in the city, indicative of its combined strength in servicing and budget-friendliness.

Capital Insurance Group is the best option in Inglewood if you’re seeking the best car insurance. This ranking is based on a comprehensive analysis of different insurers:

• Capital Insurance Group: MoneyGeek score of 85 out of 100 ($1,572 per year)
• Chubb: MoneyGeek score of 85 out of 100 ($2,288 per year)

Capital Insurance Group stands out due to its balance of customer satisfaction and affordability, with high marks in these categories contributing the most to its overall score. This score is notable for a full coverage policy, which ensures that customers in Inglewood get extensive protection at a competitive rate.

Chubb is the best option in Inglewood for car insurance focused on customer service, with the highest score for general satisfaction, claims handling and coverages, not taking rates into consideration.

• Chubb: MoneyGeek score of 94 out of 100 ($2,288 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,572 per year)

Chubb stands out due to its top-tier scores in customer satisfaction and claims handling. Customers choosing Chubb benefit from its exceptional service experience.

Chubb offers the best affordable car insurance in Inglewood due to its cost-effectiveness and dependable service.

• Chubb: MoneyGeek score of 87 out of 100 ($962 per year)
• Capital Insurance Group: MoneyGeek score of 85 out of 100 ($661 per year)

Chubb stands out for its combination of claims handling and overall customer satisfaction, alongside a competitive annual premium. This MoneyGeek score is for a minimum coverage policy.

In Inglewood, California, the average cost of car insurance stands at $1,219, according to MoneyGeek. This figure falls below the average car insurance cost across the state of California, which is $1,562. California's average is less expensive than the national average, with state premiums being $219 lower than the country's average of $1,781.

Car insurance premiums are influenced by myriad factors, with location being a key determinant. Geographic factors can significantly affect insurance rates due to variables like traffic density, risk of accidents and the prevalence of thefts in the area.

Santa Maria as the city with the least expensive premium at $1,106, which is $281 lower than the state average, emphasizing the impact of location on insurance costs. Conversely, Glendale holds the position for the most expensive premium at $2,115 — a $728 increase from the state's average. These variances underscore the role that location plays in determining car insurance prices. In less populated, non-city areas where traffic density is lower, rates may be even more economical.