The words “affordable” and “insurance” really shouldn’t be used together, in particular when searching for the best car insurance rates for a learners permit. To help control this cost, let’s take a look at some of the things that have an effect on car insurance prices, and see if we can help you take the bite out of your next policy.
For new drivers, one of the more important factors that are used to help calculate the amount you pay for auto insurance is where you normally keep your vehicle in Los Angeles. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.
The following table lists the most expensive places in California for a learners permit to purchase auto insurance in. Los Angeles is ranked #1 with an annual rate of $2,083 on average, which is about $174 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,580 |
| 9 | Santa Clarita | $1,580 |
| 10 | Riverside | $1,542 |
| 11 | Garden Grove | $1,524 |
| 12 | Fontana | $1,519 |
| 13 | Modesto | $1,502 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,488 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | San Diego | $1,381 |
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Rate quotes are estimated as the specific zip code location can influence premiums substantially.
The vehicle requiring insurance is probably the biggest factor when quoting economical insurance for a learners permit. Vehicles with average performance, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.
The next table estimates car insurance prices for some of the most budget-friendly vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $7,656 |
| Ford Escape Limited 4WD | $8,211 |
| Toyota Prius | $8,286 |
| Toyota Tacoma 4WD | $8,594 |
| Jeep Wrangler Sahara 4WD 2-Dr | $8,600 |
| Honda Odyssey EX | $9,005 |
| Toyota RAV4 Limited 4WD | $9,077 |
| Jeep Grand Cherokee Laredo 2WD | $9,084 |
| Ford Fusion S 4-Dr Sedan | $9,077 |
| Chevrolet Malibu LT | $9,152 |
| Ford Explorer Limited 4WD | $9,160 |
| Ford F-150 FX4 Super Cab 4WD | $9,152 |
| Dodge Grand Caravan Crew | $9,161 |
| Ford Focus SEL 4-Dr Sedan | $9,489 |
| Chevrolet Impala LTZ | $9,561 |
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Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in vehicle location which can increase or decrease premiums considerably.
Looking at the data, makes and models like the Honda CR-V, Ford Escape, Toyota Prius, Toyota Tacoma, and Jeep Wrangler are most likely to be some of the less-costly vehicles to insure for new drivers. The price of auto insurance will be more expensive because there is more liability risk for a learners permit, but generally speaking those makes and models will tend to have the best insurance prices compared to other vehicles.
Types of discounts on Los Angeles insurance rates
Auto insurance companies that provide policies for a learners permit may also offer premium discounts that can lower rates by as much as 30% if you meet the requirements. A list of companies and some of the discounts are shown below.
- Farmers Insurance offers premium reductions for distant student, mature driver, multi-car, youthful driver, homeowner, and early shopping.
- Esurance offers discounts including claim free, anti-theft, online quote, defensive driver, and good driver.
- State Farm has discounts for defensive driving training, Drive Safe & Save, driver’s education, passive restraint, multiple autos, and good student.
- GEICO may offer discounts for anti-lock brakes, driver training, seat belt use, military active duty, five-year accident-free, and defensive driver.
- Allstate offers discounts for anti-theft, safe driver, eSmart discount, 55 and retired, utility vehicle, defensive driver, and anti-lock brakes.
The information below visualizes the comparison of insurance rates with and without policy discounts. The prices are based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, paid-in-full, vehicle safety, good student, passive restraint, and paperless filing discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for a learners permit is 28% or $666.
The example below highlights how deductible selection can change annual premium costs when getting quotes for cheap insurance for a learners permit. The information is based on a married male driver, comp and collision included, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could lower rates by $308 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $466 by selecting a $1,000 deductible. Young drivers, like the 20-year-old, could shave up to $1,026 annually just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it will now be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Can you find cheaper Los Angeles car insurance?
Los Angeles car insurance rates are based on many factors that can increase the price of your policy. Simply getting older, buying another vehicle, or having a fender bender may prompt premium changes that can make some companies more affordable than before.
Not only that, but insurance companies amend premium rates as often as every three months in order to be able to pay unexpected claims. Higher than usual claims may cause rate increases, while profitable underwriting can cause lower-cost Los Angeles car insurance rates.
To illustrate this example, the graph below analyzes the cheapest car insurance in Los Angeles, CA for a 30-year-old female driver with a good driving record, no prior claims, and solid credit. If we estimate prices based on her personal profile, USAA might offer the most affordable car insurance rates in Los Angeles at $1,812 annually. This is $161 more than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the most affordable Los Angeles, CA auto insurance companies.
Let’s now give the driver from the first rate comparison a claim or two, slightly worse credit, and a traffic ticket or two. Because each insurer has their own formula for setting rates, getting updated rate quotes will most likely result in a new list of the cheapest car insurance companies in Los Angeles as shown below.
Grange now has the cheapest price in Los Angeles with Allied, Mercury, Progressive, and Allstate now being in the top five. This shows why it is critical to perform a complete rate comparison to find the most economical auto insurance rates for a learners permit. Car insurance prices are impacted by many risk factors and change frequently, so the most economical option the last time you shopped your coverage around may now be an over-priced policy.
If you like to get some professional advice when trying to find lower insurance rates for new drivers, the agencies below are willing to help you decide which auto insurance policy would work best for you.
To find a Los Angeles insurance agency near you, click the button below the list.
- Glenda Greene – State Farm Insurance Agent
3824 Crenshaw Blvd – Los Angeles, CA 90008 – (323) 293-9990 - Shomer Insurance Agency
4221 Wilshire Blvd #222 – Los Angeles, CA 90010 – (323) 934-8160 - Anthony Elliot Insurance Agency, Inc.
3349 Cahuenga Blvd W #2 – Los Angeles, CA 90068 – (323) 876-1980 - Kirk Farrel – State Farm Insurance Agent
7288 Sunset Blvd #205 – Los Angeles, CA 90046 – (323) 876-6653 - Leisha Willis – State Farm Insurance Agent
500 N Larchmont Blvd – Los Angeles, CA 90004 – (323) 785-4080
View map of Los Angeles, CA insurance agents
Tips for finding the cheapest car insurance for a learners permit
The list below details many money-saving suggestions that can help drivers buy more affordable auto insurance.
- Remain accident-free and save
- Avoid speeding and other traffic citations and pay less
- Buy vehicles with good safety ratings
- Higher credit scores can equal lower rates
- If possible, pay for small claims out-of-pocket
- Keep rates low by shopping around frequently
The last idea is highly significant, as we discussed in this write-up. Insurance prices go up and down frequently, so don’t be tentative to buy from a different company if a cheaper price is available. Sticking with a specific company is fine, but it’s not a great idea if that loyalty results in overpaying a small fortune. Now is a great time to compare prices to find cheaper insurance for a learners permit in Los Angeles.