For teachers and educators, one of the big criteria that are looked at to determine the cost of insurance is the neighborhood you call home. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The next table ranks the most expensive places in California for teachers to buy auto insurance in. Los Angeles ranks #1 costing $2,168 for the average policyholder, which is around $181 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,595 |
| 8 | Long Beach | $1,578 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,556 |
| 11 | Garden Grove | $1,554 |
| 12 | Moreno Valley | $1,551 |
| 13 | Riverside | $1,527 |
| 14 | Fresno | $1,517 |
| 15 | Modesto | $1,502 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,389 |
| 20 | Huntington Beach | $1,374 |
| Compare Prices Now Go | ||
Information shown are estimated as specific Los Angeles garaging address can revise coverage prices substantially.
Deciphering which companies quote the cheapest insurance rates for teachers calls for more work in order to find a policy that fits your budget. Each auto insurance company has their own unique process to set their prices, so let’s examine the insurance companies that tend to be cheaper in Los Angeles.
It’s a good idea to be aware that Los Angeles insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply having a birthday, moving to a different location, or having a fender bender can produce rate changes resulting in some companies being cheaper than others.
Lowest Insurance Price Quotes for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,497 |
| 11 | GEICO | $1,513 |
| 12 | Allied | $1,556 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
| Find Your Rate Go | ||
USAA normally has some of the cheapest car insurance rates in Los Angeles at around $1,143 a year. Century National, Wawanesa, CSAA, and Nationwide also are some of the most economical Los Angeles, CA auto insurance companies.
As depicted above, if you are a customer of Wawanesa and switched to USAA, you might see a yearly savings of in the neighborhood of $49. Drivers with CSAA may save as much as $55 a year, and Nationwide policyholders might reduce prices by as much as $107 a year.
To discover how much you can save, click here or click several companies below for low rates.
Understand that those policy rates are averages for all drivers and vehicles and are not factoring in a vehicle location for teachers. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own individual information.
Buying coverage from a highly-rated car insurance provider can be a challenge considering how many companies sell insurance in California. The company information below can help you analyze which auto insurance companies you want to consider shopping your coverage with. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that may only write in California will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cost of full coverage
Reducing premiums for insurance is the goal of most vehicle owners, and one of the best ways to save on the cost of insurance for teachers is to not buy comprehensive and collision coverage. The illustration below shows the comparison of insurance rates with full coverage compared to only the California minimum liability coverage. The rate quotes are based on no accidents or driving violations, $500 deductibles, single status, and no other discounts are factored in.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $2,816 per year more than just buying liability insurance. A very common question is when is the right time to remove full coverage. There is no clear-cut rule to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s settlement value is $11,500 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $10,500 after paying your policy deductible. If it’s costing you more than $1,050 a year for your policy with full coverage, then you might want to think about dropping full coverage.
How to find more affordable car insurance for teachers
The list below shows a few penny-pinching ideas that can help you quote cheaper coverage.
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Earn discounts for being claim-free
- Buy a car with high safety ratings
- Staying accident-free helps keep rates low
- Clean up your credit rating
- Keep rates low by comparing prices once a year
The final tip is certainly critical, as was pointed out in this write-up. Prices charged by auto insurers can change in a short period of time, so you should be ready to switch carriers if you can find a cheaper rate.
Staying with the same car insurance company is fine, but is isn’t recommended if that loyalty results in overpaying a small fortune. In less than five minutes you could compare prices to find cheaper auto insurance for teachers in Los Angeles.