Cheapest and Best Car Insurance in West Covina, CA (2024)


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In West Covina, California, GEICO offers the cheapest minimum coverage car insurance. Progressive has the most affordable full coverage policy, while Farmers is the most cost-effective provider for families with teens. Chubb excels in customer service, and the overall best is Capital Insurance Group, providing the best blend of price and service. Choose based on your personal coverage needs and preferences.

Key Takeaways

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In West Covina, California, GEICO provides the cheapest minimum coverage car insurance at $494 per year, while Chubb is the most expensive at $989 annually, illustrating the importance of comparing providers to achieve potential savings of up to $495.

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In West Covina, California, comparing car insurance rates can lead to substantial savings, as demonstrated by the $1,108 annual difference between Progressive's cheapest full coverage policy at $1,235 and Chubb's most expensive offering at $2,344.

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In West Covina, California, military drivers can find the most affordable full coverage car insurance with Progressive at $1,235 per year, offering a cost-effective option compared to GEICO at $1,313 annually and USAA at $1,326, despite USAA's specialized services for active-duty members.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why Trust MoneyGeek? We analyzed 352,910 quotes in California from 18 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for West Covina insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in West Covina, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in West Covina

MoneyGeek found that GEICO is the cheapest option in West Covina for minimum coverage car insurance.

  • GEICO: $494 per year
  • Progressive: $529 per year

Chubb has the most expensive minimum coverage policy in West Covina, with an annual cost of $989. This is a clear example of why comparing rates is crucial, as you could save up to $495 by shopping around. It's a simple yet effective way to ensure you're not overpaying for basic car insurance.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
GEICO$494$41
Progressive$529$44
Mercury$535$45
AAA$592$49
Capital Insurance Group$611$51
Farmers$622$52
Kemper$679$57
State National$684$57
Hartford$697$58
State Farm$752$63
Allstate$772$64
Travelers$786$65
Nationwide$811$68
National General$915$76
Chubb$989$82

State Minimum Liability Requirements

In cities across California, state law mandates car insurance coverage minimums. These are the limits drivers are legally required to have:

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

If you’re at fault in an accident and the other driver’s injuries amount to $20,000, your policy's minimum coverage for bodily injury per person will cover up to $15,000. The remaining $5,000 would typically be your responsibility to pay out of pocket. Similarly, you would be responsible for the excess if multiple people are injured and the total expenses exceed your $30,000 per accident coverage. Remember, this is just the baseline — costs can quickly surpass these minimums.

Cheapest Full Coverage Car Insurance in West Covina

MoneyGeek found that Progressive provides the cheapest full coverage car insurance in West Covina.

  • Progressive: $1,235 per year
  • GEICO: $1,313 per year

Chubb is the most expensive provider for a full coverage policy in West Covina, with an annual rate of $2,344 — $1,108 more than Progressive. This substantial price range highlights the need for consumers to compare car insurance prices. Full coverage policies, which include comprehensive and collision insurance, are pricier than the legal minimum coverage but offer better protection.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
Progressive$1,235$103
GEICO$1,313$109
AAA$1,320$110
Mercury$1,324$110
Allstate$1,410$117
Capital Insurance Group$1,458$122
Hartford$1,526$127
State National$1,563$130
National General$1,604$134
Kemper$1,669$139
Nationwide$1,835$153
State Farm$1,879$157
Farmers$2,177$181
Travelers$2,231$186
Chubb$2,344$195

Do You Need Full Coverage in California?

Full coverage insurance has increased liability limits. It also incorporates two crucial protections — comprehensive and collision coverages:

  • Collision Coverage: This insures your vehicle against damages from a direct collision with another automobile or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Coverage: This provides financial protection against damage to your car from non-collision-related incidents, such as theft, vandalism, fires, natural disasters or being struck by an animal like a deer.

For owners of new automobiles, investing in a full coverage insurance plan is a smart move to protect the value of your vehicle. However, for those with older models, the added security may not justify the increased premium costs. When determining the right amount of car insurance for you, consider the trade-off between more comprehensive coverage with higher premiums vs. the risk of being inadequately insured.

Cheapest Car Insurance in West Covina After a Driving Offense

MoneyGeek found that Capital Insurance Group is the most affordable option in West Covina for drivers with a poor driving record seeking full coverage. Specifically, the most economical providers following various incidents are:

  • Speeding Ticket: Capital Insurance Group ($1,679 per year)
  • At-Fault Accident: Capital Insurance Group ($1,719 per year)
  • DUI: National General ($1,685 per year)

Travelers offers the most expensive rates after a speeding ticket ($3,415 per year) and an at-fault accident ($3,804 per year). State Farm, at $5,773 per year, is the most expensive provider after a DUI. The difference in annual premiums indicates how the severity of an offense affects the cost of car insurance.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
Capital Insurance Group$1,679$140
National General$1,685$140
AAA$1,712$143
Mercury$1,744$145
GEICO$1,953$163
Allstate$2,055$171
Kemper$2,220$185
State National$2,226$185
Hartford$2,288$191
Progressive$2,333$194
State Farm$2,792$233
Farmers$3,017$251
Chubb$3,088$257
Nationwide$3,179$265
Travelers$3,415$285

Insurance rates in cities like West Covina rise with the gravity of driving infractions because carriers assess higher risks for more severe offenses. For instance, drivers with a speeding ticket may face an average annual premium of $2,359, while those with a DUI might see rates soar to an average of $3,930 per year. Given these differences, individuals with driving offenses benefit even more from comparing insurance rates, as this could lead to substantial savings on their premiums.

Cheapest Car Insurance in West Covina for Teens and Their Families

MoneyGeek found that Farmers is the cheapest option for both female and male teens in West Covina, offering significant savings on full coverage car insurance. Explore the cheapest car insurance for teens and find the right fit for your family's needs. West Covina's most affordable providers for teen drivers are:

  • Farmers: $3,138 per year for female and male teens
  • GEICO: $3,346 per year for female teens; Capital Insurance Group: $3,398 per year for male teens

These rates reflect the combined coverage for a policy with two parents and a teen driver, showcasing a noticeable difference in premiums within the same city. Nationwide has the most expensive policy for families with teen drivers, at $5,565 for female and male teens, indicating a $2,427 annual premium difference compared to Farmers. The considerable variance in rates highlights the importance of comparing options to ensure affordability, especially for high-risk drivers like teenagers.

Data filtered by:Results filtered by:
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Age:16
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Gender:Female
Farmers$3,138$4,626
GEICO$3,346$3,779
Capital Insurance Group$3,398$3,318
State Farm$3,405$3,769
Allstate$3,571$3,847
Progressive$3,821$4,198
Travelers$4,355$3,937
Kemper$5,132$6,851
Nationwide$5,565$7,901

Like many other cities across the United States, young drivers face steep car insurance rates in West Covina. On average, the individual annual premium for teen drivers is a hefty $4,766, while adding a teen to a joint family policy averages out to $3,990. This stark difference of $776 is primarily due to insurers' perception of heightened risk when covering teen drivers independently. Insurers view teens as less experienced and more prone to accidents, which translates to higher premiums. Securing an individual policy can be challenging for teens, as many carriers are hesitant to underwrite these standalone policies due to the increased likelihood of costly claims. For these reasons, families often opt for a joint plan as a more cost-effective and practical solution for insuring teenage drivers.

Cheapest Car Insurance in West Covina for Military Drivers

MoneyGeek found that Progressive provides the cheapest car insurance for those with military backgrounds in West Covina.

  • Progressive: $1,235 per year
  • GEICO: $1,313 per year

Although USAA is slightly more expensive than its competitors, with an annual premium of $1,326, it offers services specially tailored to active-duty military members.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
Progressive$1,235$103
GEICO$1,313$109
AAA$1,320$110
Mercury$1,324$110
USAA$1,326$110
Allstate$1,410$117
Capital Insurance Group$1,458$122
Hartford$1,526$127
State National$1,563$130
National General$1,604$134
Kemper$1,669$139
Nationwide$1,835$153
State Farm$1,879$157
Farmers$2,177$181
Travelers$2,231$186
Chubb$2,344$195

How to Compare Cheap West Covina Car Insurance Quotes Online

Shopping for car insurance in West Covina can lead to significant savings. However, manually comparing rates takes approximately 15 minutes per company. You're looking at over an hour spent reviewing three or more providers.

MoneyGeek's car insurance calculator streamlines this process. Input details like your age, driving record, credit score and desired coverage level to promptly receive a tailored rate estimate, making it an efficient tool for finding the right insurance for your needs.

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Rates updated:

Dec 24, 2024

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Best Car Insurance in West Covina: Overview

Choosing the right auto insurance for you is about balancing preferences in various aspects, including service, cost and coverage. MoneyGeek's tailored scoring system evaluates these aspects to recommend West Covina's top providers. The providers who excel in each category are:

  • Best overall: Capital Insurance Group (MoneyGeek score 85 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 82 out of 100)

Capital Insurance Group is both the best overall provider and the best cheap provider, offering commendable value and affordability in West Covina. Chubb is the best for service and is the prime choice for those who prioritize exceptional customer care regardless of cost. Those seeking a blend of solid service and reasonable pricing will find Capital Insurance Group’s overall offerings well-suited to a wide range of needs.

Overall Best Car Insurance in West Covina

MoneyGeek found that Capital Insurance Group is the best option in West Covina, offering the best car insurance for drivers looking for full coverage policies. Based on comprehensive evaluations, two insurers stand out in this category:

  • Capital Insurance Group: MoneyGeek score of 85 out of 100 ($1,458 per year)
  • Mercury: MoneyGeek score of 79 out of 100 ($1,324 per year)

Capital Insurance Group secures its top spot thanks to exceptional client satisfaction and a strong score in the claims department. Its commitment to efficient service and customer care resonates with residents in the West Covina area, making it a leading choice for those seeking quality automobile coverage.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
85/ of 100

Overview

Capital Insurance Group's high MoneyGeek score is bolstered by exceptional satisfaction and claims scores, highlighting its strength in customer service and claims handling. Although the company lacks rental car and/or travel reimbursement, it does offer roadside assistance. Additionally, it offers full glass coverage — an advantageous option that provides convenient repairs when glass damage occurs.

Capital Insurance Group provides valuable coverages beyond the basics. Custom parts coverage ensures that drivers with special modifications benefit from specific protections. This coverage is particularly pertinent for those who are invested in maintaining the elevated standard of their vehicle's aftermarket additions. The company's high ranking reflects its commitment to customer experience and efficient claims resolution.

Best Car Insurance in West Covina for Customer Service

MoneyGeek found that Chubb is the best option in West Covina for those prioritizing customer service in their car insurance. This evaluation is purely based on the insurer's overall performance concerning customer satisfaction, claims handling and the breadth of coverages offered, without accounting for rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,344 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,458 per year)

Chubb distinguishes itself from its competitors primarily due to its exceptional claims handling service and comprehensive coverage options, which are key factors contributing to its high MoneyGeek score.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's high MoneyGeek score is primarily attributed to exceptional customer satisfaction and claims handling scores. It offers rental car and/or travel reimbursement to drivers seeking comprehensive protection. Chubb provides unique offerings, enhancing its value proposition despite any unlisted coverages.

Chubb has several coverages that cater to specific needs. Antique/classic car insurance is invaluable for enthusiasts seeking tailored protection for their prized vehicles. For those particular about repairs, original equipment manufacturer (OEM) coverage ensures replacements match the original quality. Vehicle owners concerned about their car's value after an accident can find comfort in Chubb's diminished value coverage, safeguarding against loss in worth. Its coverages and high scores highlight Chubb's commitment to quality service and comprehensive offerings.

Best Cheap Car Insurance in West Covina

MoneyGeek found that Capital Insurance Group is the best option in West Covina for those seeking value in car insurance. The score highlights the company's competitive pricing and reflects its commitment to customer satisfaction and claims processing.

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($611 per year)
  • Mercury: MoneyGeek score of 80 out of 100 ($535 per year)

Capital Insurance Group stands out for its affordability and superior service quality, earning the highest marks for customer satisfaction and claims handling. This top rank is particularly significant as the score pertains to minimum coverage policies, demonstrating that Capital Insurance Group offers an optimum blend of cost-effectiveness and reliable service.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

With its impressive satisfaction score, Capital Insurance Group is best for consumers who value an exceptional customer service experience. On average, drivers pay $611 per year for minimum coverage, ensuring affordability without compromising quality. The company offers various ways for drivers to manage their policies economically.

Capital Insurance Group's array of discounts highlights its commitment to providing value, including commonly found discounts such as bundling and multiple car options. Although it doesn't offer a safe driving discount, the breadth of its offers is noteworthy. Specifically, the bundling discount can be advantageous for drivers looking to insure multiple policies, whereas the multiple car discount aids households with several vehicles. Both discounts present meaningful savings opportunities and added convenience, reinforcing Capital Insurance Group's dedication to accommodating diverse insurance needs. The company's high scores highlight its commitment to delivering superior value and customer satisfaction, ensuring a comprehensive insurance experience.

Average Cost of Car Insurance in West Covina

In West Covina, California, the average annual premium is $1,667. By comparison, this figure is above the overall state average of $1,562. Californians pay approximately $219 less than the national average of $1,781 for car insurance.

Car insurance premiums are shaped by numerous elements, of which location is a significant determinant. Factors like local accident rates, theft statistics and weather patterns can significantly impact insurance costs. Santa Maria is the city with the least expensive car insurance premium at $1,251 per year, highlighting the role of location in pricing. Meanwhile, Glendale is the most expensive city, with premiums reaching $2,433 — a stark contrast that underscores the influence of traffic density and urban risk factors. It is also worth noting that rural or less crowded areas often experience lower insurance rates due to reduced traffic densities.

Anaheim$1,632
Antioch$1,573
Arden$1,592
Bakersfield$1,394
Berkeley$1,489
Burbank$1,968
Carlsbad$1,364
Chula Vista$1,331
Clovis$1,395
Concord$1,473
Corona$1,525
Costa Mesa$1,501
Daly City$1,712
Downey$1,749
East Los Angeles$1,800
El Cajon$1,438
El Monte$1,784
Elk Grove$1,535
Escondido$1,382
Fairfield$1,392
Fontana$1,565
Fremont$1,446
Fresno$1,442
Fullerton$1,661
Garden Grove$1,679
Glendale$2,433
Hayward$1,549
Huntington Beach$1,523
Inglewood$1,963
Irvine$1,585
Jurupa Valley$1,507
Lancaster$1,670
Long Beach$1,685
Los Angeles$2,138
Modesto$1,577
Moreno Valley$1,546
Murrieta$1,415
Norwalk$1,661
Oakland$1,657
Oceanside$1,396
Ontario$1,565
Orange$1,462
Oxnard$1,436
Palmdale$1,722
Pasadena$1,798
Pomona$1,630
Rancho Cucamonga$1,503
Rialto$1,577
Richmond$1,562
Riverside$1,543
Roseville$1,458
Sacramento$1,494
Salinas$1,346
San Bernardino$1,567
San Diego$1,349
San Francisco$1,670
San Jose$1,429
San Mateo$1,385
Santa Ana$1,577
Santa Clara$1,420
Santa Clarita$1,634
Santa Maria$1,251
Santa Rosa$1,479
Simi Valley$1,528
Stockton$1,594
Sunnyvale$1,413
Temecula$1,432
Thousand Oaks$1,589
Torrance$1,518
Vallejo$1,547
Ventura$1,341
Victorville$1,598
Visalia$1,333
Vista$1,355
West Covina$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.