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Get Cheap Car Insurance in El Segundo, CA

We monitor insurance prices, helping the average driver in El Segundo save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in El Segundo

The chart below shows the cheapest car insurance company in El Segundo for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
El Segundo Insurer Monthly Cost
Metromile $54
Geico $61
Progressive $65
Travelers $67

Savings for Every Kind of El Segundo Driver

The table shows how much the average auto insurance customer in El Segundo might save by following our recommendations.

Based on our extensive insurance data, we know the average El Segundo driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $686 per year by choosing the right vehicle insurance company. Some El Segundo residents are paying out over $2,145 extra every year for auto insurance in El Segundo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
El Segundo, CA Savings / Yr.
Drivers with good records
$686
Drivers with accidents
$1,256
Drivers with speeding tickets
$993
Drivers with a DUI conviction
$1,745
Young drivers
$896
Married drivers
$389
Drivers with bad credit
$0

El Segundo Car Insurance vs. California

People living in El Segundo pay an average of 6.80% more than the typical driver in the state. The average driver in El Segundo can expect to pay about $1,004 per year, or $2,145 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in El Segundo for most people.

Car Insurance Prices by El Segundo Neighborhood

El Segundo, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within El Segundo?

The map shows insurance prices in and around El Segundo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $501 per year within the city boundaries, with insurance premiums ranging from a high of $2,457 to a low of $1,956. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast parts of El Segundo.

Pick the Best Car Insurance Company for You in El Segundo

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the El Segundo insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in El Segundo

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $686 over the average El Segundo car insurance company.

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We use the average good driver, paying $122 per month, as our baseline for pricing in El Segundo. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for El Segundo drivers with accidents on their records

In El Segundo getting into an accident will raise premiums an average 44% for a yearly cost of $3,857. That's $1,712 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,256 over the competition.

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The best car insurance company for El Segundo drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $993 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In El Segundo, tickets raise premiums on new quotes about $1,088. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,233 per year.

The best auto insurance for El Segundo drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,431 per year in auto insurance premiums, which was $3,286 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,745 less each year.

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The least expensive car insurance company for new and young drivers in El Segundo

In El Segundo, State Farm costs young drivers $896 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in El Segundo. With an average cost of $5,691 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in El Segundo

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $213. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in El Segundo.

Progressive gave the largest car insurance discounts to married couples, averaging $389 saved each year compared to an average El Segundo couple's premiums.

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The cheapest car insurance in El Segundo for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best El Segundo car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In El Segundo, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in El Segundo.

Nationwide was the best company for customer service in El Segundo according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in El Segundo, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in El Segundo. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in El Segundo

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 57% of El Segundo residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average El Segundo driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In El Segundo, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around El Segundo

What Influences the Cost of Car Insurance in El Segundo?

On average, car insurance in El Segundo is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in El Segundo is 33 minutes, which is a little less than average for a driver in the state.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in El Segundo are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • El Segundo is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in El Segundo is $84 per month for minimum coverage and $179 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average El Segundo driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central El Segundo with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.