Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Rancho Palos Verdes, CA
We monitor insurance prices, helping the average driver in Rancho Palos Verdes save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Rancho Palos Verdes
The chart below shows the cheapest car insurance company in Rancho Palos Verdes 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.
| Rancho Palos Verdes Insurer | Monthly Cost |
|---|---|
| Metromile | $56 |
| Geico | $63 |
| Progressive | $68 |
| Travelers | $70 |
Savings for Every Kind of Rancho Palos Verdes Driver
Based on our extensive insurance data, we know the average Rancho Palos Verdes 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 $715 per year by choosing the right vehicle insurance company. Some Rancho Palos Verdes residents are paying out over $2,237 extra every year for auto insurance in Rancho Palos Verdes. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Rancho Palos Verdes, CA Savings / Yr. |
|---|---|
$715 |
|
$1,310 |
|
$1,036 |
|
$1,820 |
|
$935 |
|
$405 |
|
$0 |
Rancho Palos Verdes Car Insurance vs. California
People living in Rancho Palos Verdes pay an average of 11.39% more than the typical driver in the state. The average driver in Rancho Palos Verdes can expect to pay about $1,047 per year, or $2,237 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Rancho Palos Verdes for most people.
Car Insurance Prices by Rancho Palos Verdes Neighborhood
Insurance Prices
Where is insurance cheapest within Rancho Palos Verdes?
The map shows insurance prices in and around Rancho Palos Verdes, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $368 per year within the city boundaries, with insurance premiums ranging from a high of $2,420 to a low of $2,052. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of Rancho Palos Verdes.Pick the Best Car Insurance Company for You in Rancho Palos Verdes
The best car insurance provider for most drivers in Rancho Palos Verdes
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $715 over the average Rancho Palos Verdes car insurance company.
The best car insurance provider for Rancho Palos Verdes drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,310 over the competition.
The best car insurance company for Rancho Palos Verdes drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,036 better than other car insurance companies.
The best auto insurance for Rancho Palos Verdes drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,820 less each year.
The least expensive car insurance company for new and young drivers in Rancho Palos Verdes
In Rancho Palos Verdes, State Farm costs young drivers $935 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Rancho Palos Verdes
Progressive gave the largest car insurance discounts to married couples, averaging $405 saved each year compared to an average Rancho Palos Verdes couple's premiums.
The cheapest car insurance in Rancho Palos Verdes for drivers with bad credit
The best Rancho Palos Verdes car insurance company for customer service
Nationwide was the best company for customer service in Rancho Palos Verdes according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Rancho Palos Verdes, which was better than other insurers.
The cheapest large national provider in Rancho Palos Verdes
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Rancho Palos Verdes driver can expect to pay about $129 per month.
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 Rancho Palos Verdes, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Rancho Palos Verdes
What Influences the Cost of Car Insurance in Rancho Palos Verdes?
On average, car insurance in Rancho Palos Verdes 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 Rancho Palos Verdes is 43 minutes, which is a little more 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 Rancho Palos Verdes are among the highest 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.
- Rancho Palos Verdes 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 Rancho Palos Verdes is $87 per month for minimum coverage and $186 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
- Rolling Hills Estates: Insurance costs 2.46% less
- Rolling Hills: Insurance costs 2.91% less
- Palos Verdes Estates: Insurance costs 1.39% less
- Lomita: Insurance costs 2.10% less
- Harbor City: Insurance costs 2.86% more
- San Pedro: Insurance costs 3.00% more
- Torrance: Insurance costs 0.63% less
- Wilmington: Insurance costs 0.58% more
- West Carson: Insurance costs 0.63% less
- Redondo Beach: Insurance costs 1.83% less
Cities with Similar Populations
- Arlington: Insurance costs 24.09% less
- Zanesville: Insurance costs 50.38% less
- Woodland Hills: Insurance costs 11.04% more
- Winter Springs: Insurance costs 14.62% more
- Whitney: Insurance costs 18.42% more
- West Orange: Insurance costs 4.56% less
- Valley Village: Insurance costs 13.54% more
- Urbandale: Insurance costs 45.60% less
- Tucker: Insurance costs 6.57% less
- Texas City: Insurance costs 21.59% less