Who Has the Cheapest Los Angeles Auto Insurance for 4×4 Vehicles?

The words “economical” and “auto insurance” probably shouldn’t be used together, especially when comparison shopping for the cheapest coverage for 4×4 vehicles. In an attempt to save some money, let’s familiarize you with some situations that influence car insurance prices, and see how we can help you take a little off your next policy.

For off-road vehicles, one of the largest factors that are used to help calculate car insurance rates is where you live. Cities with larger populations tend to pay more, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.

The table below shows the highest-priced places in California for 4×4 vehicles to buy an auto insurance policy in. Los Angeles shows up at #2 with an annual cost of $2,083 for coverage, which is about $174 each month.

Price information shown is comparative as the garaging address in Los Angeles can decrease or increase coverage rates substantially.

The type of vehicle you are trying to insure is a significant factor when looking for the cheapest coverage for 4×4 vehicles. Vehicles with high performance features, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than more economical and safe models.

The information below ranks insurance prices for the most affordable vehicles to insure.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in your specific Los Angeles, CA location which can decrease or increase premium rates significantly.

Based upon these rates, we can assume that vehicles like the Honda CR-V, Ford Escape, Honda Accord, Chevrolet Impala, and Toyota RAV4 will definitely be some of the less-costly vehicles to insure for off-road vehicles.

The illustration below highlights how deductible choice can impact premium costs when searching for cheap insurance for 4×4 vehicles. Data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

A 40-year-old driver could pocket $362 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $546 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, can save as much as $1,190 or even more by using higher deductibles when buying full coverage. When using a larger deductible, it’s a good idea to have enough funds in savings to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Buying coverage from a good quality car insurance company can be challenging considering how many companies there are in California. The company rank data shown below could help you choose which auto insurance companies to look at purchasing a policy from. These ratings only include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in California are not factored into these rankings.

Top 10 Large Auto 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

Top 10 Large Auto Insurance Companies in Los Angeles Ranked by Customer Service

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

Impact of violations and accidents on rates

In a perfect world, the best way to score affordable car insurance rates in California for off-road vehicles is to be a safe driver and maintain a clean driving record. The example below illustrates how violations and at-fault claims can drive up insurance costs for different age groups. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.

The data above shows the average cost of auto insurance in Los Angeles per year with no accidents or violations is $1,785. Receive one speeding ticket and the average cost jumps to $2,078, an increase of $293 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for 4×4 vehicles jumps again to an average of $4,613. That’s an increase of $2,828, or $236 per month, just for being a less-than-perfect driver!

Here’s why you should shop around

California car insurance rates are based on many factors that may substantially change the price you pay for coverage. Turning one year older, becoming a homeowner, or getting a driving violation can trigger price changes that may make certain companies more affordable than before.

Not only may your risk profile change, but car insurance companies amend pricing every year in order to remain profitable. Heavier than normal losses may result in higher priced premiums, while less frequent claims may cause cheaper Los Angeles car insurance rates.

For example, the data below shows the company with the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with no accidents or violations, and a decent credit rating. When quoting prices based on her personal risk profile, USAA may have the most affordable car insurance rates in Los Angeles at $1,790 annually. This is $139 more than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the cheapest Los Angeles, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from the first rate comparison a claim surcharge, a little lower credit rating, and a couple of points charged on her driving record. Due to the fact that every insurance company has a unique formula to establish rates, comparing rates may now show a significantly different list of the cheapest car insurance companies in Los Angeles as shown below.

Grange now has the best insurance rate in Los Angeles, CA with Progressive, Allstate, Mercury, and Allied completing the list. This illustrates why drivers need to perform an extensive rate comparison when trying to get the most affordable auto insurance quotes for 4×4 vehicles. Rates are impacted by many risk factors and change substantially, so the cheapest rate a year ago may now cost much more than other companies.

If you wish to have some professional guidance when trying to find lower insurance rates for 4×4 vehicles, the agencies below can provide answers to your questions and help you determine which is the best policy.

To locate a Los Angeles auto insurance agent in your neighborhood, click the button after the list.

More insurance agents in Los Angeles, CA