How Much is Auto Insurance for Hybrid Vehicles in Los Angeles?

One of the more important components that determine car insurance rates is where you live in Los Angeles. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with less congestion profit from lower rates.

The table below lists the most expensive places in California for hybrid vehicles in which to buy car insurance. Los Angeles makes the list at #1 with an annual cost of $2,083 for coverage, which is about $174 monthly.

Price information shown is estimated as vehicle location can raise or lower prices greatly.

Finding decent, low-cost car insurance is difficult, and deciding which insurers offer the most affordable auto insurance rates for hybrid vehicles will require more quotes for comparison. Every insurance provider uses a different method for determining rates in each state, so let’s begin by examining the most affordable auto insurance companies in Los Angeles, CA.

We do need to point out that Los Angeles auto insurance rates are impacted by many things which can substantially decrease or increase the policy price. Simply improving your credit, moving to a different location, or getting into an accident can trigger price changes resulting in some companies being higher when they were quite affordable.

Cheap Insurance Rates for Hybrids

Click Here to Start Your Quote

USAA offers some of the lowest car insurance rates in Los Angeles at around $1,143 each year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the cheaper Los Angeles, CA insurance companies.

In the above example, if you currently buy coverage from Century National and switched to USAA, you could realize annual savings of in the vicinity of $83. Policyholders with Nationwide might save as much as $120 a year, and 21st Century customers might cut rates by $223 a year.

Be aware that those prices are averages for all drivers and vehicles in California and do not factor in a specific location for hybrid vehicles. So the car insurance company that fits your age and vehicle best may not even be in the top 24 companies shown above. That’s why you need to get quotes using your own personalized driver profile and vehicle information.

The vehicle you are trying to insure is one of the main factors that determines the availability of low-priced auto insurance for hybrid vehicles. Vehicles with high performance features, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The next table outlines auto insurance rates for the most cost-effective vehicles to buy insurance for.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific zip code location which can raise or lower premiums noticeably.

Based upon the rates shown, you can conclude that makes and models like the Toyota Prius, Ford Explorer, Dodge Grand Caravan, Honda CR-V, and Chevrolet Impala should be some of the less-costly vehicles to insure for hybrids.

What is the best auto insurance company in California?

Choosing the right insurance company is hard considering how many choices you have in Los Angeles. The company ratings listed below may help you decide which car insurance companies to look at comparing rates from. These ratings only include large, nationwide insurance companies, so companies that have a smaller presence are not factored into these rankings.

Top 10 Major Car Insurance Companies in Los Angeles Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Top 10 Major Car Insurance Companies Overall in Los Angeles

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Types of discounts on Los Angeles auto insurance

Car insurance companies that offer cheap quotes for hybrid vehicles may also give you special discounts that could lower prices by 30% or more if you meet specific criteria. A few of the larger companies and a partial list of their discounts can be read below.

• Travelers may include discounts for IntelliDrive, multi-policy, early quote, good student, driver training, and home ownership.
• 21st Century offers discounts including air bags, automatic seat belts, defensive driver, good student, 55 and older, and anti-lock brakes.
• State Farm may have discounts that include accident-free, safe vehicle, good driver, Drive Safe & Save, and multiple policy.
• GEICO discounts include anti-lock brakes, anti-theft, good student, emergency military deployment, multi-vehicle, daytime running lights, and driver training.
• SAFECO offers premium reductions for accident prevention training, multi-car, bundle discounts, homeowner, safe driver, teen safety rewards, and anti-theft.
• AAA policyholders can earn discounts including multi-car, good driver, AAA membership discount, education and occupation, anti-theft, and good student.

The diagram below shows the comparison of insurance premiums with and without discounts. The price estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, safe-driver, multiple vehicle, vehicle safety, passive restraint, and defensive driving course discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for hybrid vehicles is 28% or $787.

How to find cheaper insurance for hybrid vehicles

The list below summarizes many money-saving suggestions that can help California drivers find more affordable coverage.

• Prevent rate increases by staying accident-free
• Raise comprehensive and collision coverage deductibles
• Do not pay for comprehensive and collision coverage on older vehicles
• Serious violations like DUI or reckless driving can increase rates dramatically
• Try to remain claim-free
• Shop your coverage around for the best deal

The last suggestion is extraordinarily significant, as we hit on in the prior article. Prices charged by companies can be changed at any time, so drivers shouldn’t be reluctant to change insurance companies if you find a better deal. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing thousands of dollars over the life of your policy. It only takes a couple minutes to compare rates and find cheaper insurance for hybrid vehicles in Los Angeles.

The insurance agents in Los Angeles listed below can most likely help you decide which auto insurance policy would work best for you, as some drivers wish to get some professional input when shopping for cheaper insurance for hybrid vehicles. It can be complicated to find the best coverage yourself, so getting advice from a licensed California insurance agent can give peace of mind knowing your policy gives you enough protection. To locate a Los Angeles car insurance agency by location nearest to you, click the button after the list.

More insurance agents in Los Angeles, CA