Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Torrance, CA are $322/month
  • The cheapest car insurance company in Torrance after a DUI is Liberty Mutual
  • The cheapest car insurance company in Torrance for teen drivers is USAA

Average car insurance rates in Torrance, California are $322 a month. But with a little research you can get a great deal from the top car insurance companies in Torrance, CA. Before you buy Torrance, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Torrance car insurance rates with Sacramento car insurance rates, Oakland car insurance rates, or San Diego car insurance rates to make sure you’re getting the best Torrance, CA car insurance quotes available.

Need affordable Torrance, CA car insurance? Enter your ZIP code to compare Torrance car insurance quotes from multiple car insurance companies near you.

Torrance, CA Minimum Car Insurance Coverage

Torrance, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Torrance, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Torrance, CA Car Insurance Rates by Coverage Level

Some Torrance drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Torrance, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Torrance, California

Insurance Company Low Medium High
Allstate $4,431 $4,750 $4,938
Farmers $4,966 $5,417 $5,728
GEICO $2,722 $3,061 $3,290
Liberty Mutual $2,931 $3,214 $3,403
Nationwide $4,129 $4,724 $5,059
Progressive $2,838 $3,302 $3,454
State Farm $3,795 $4,341 $4,638
Travelers $3,144 $3,784 $4,095
USAA $2,447 $2,759 $2,909

Torrance, CA Car Insurance Rates by Age, Gender, and Marital Status

Torrance, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Torrance, CA car insurance, get quotes from multiple car insurance companies in the Torrance area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Torrance, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,032 $3,026 $2,210 $2,224 $8,461 $10,625 $3,858 $4,212
Farmers $2,921 $2,921 $2,651 $2,651 $9,320 $15,174 $3,464 $3,860
GEICO $1,871 $1,871 $1,759 $1,759 $5,705 $5,796 $2,689 $2,744
Liberty Mutual $2,420 $2,275 $2,268 $2,190 $5,226 $5,621 $2,709 $2,754
Nationwide $3,248 $3,096 $2,859 $2,690 $8,321 $9,186 $3,878 $3,820
Progressive $1,986 $2,045 $1,700 $2,015 $5,385 $6,479 $2,879 $3,096
State Farm $3,341 $3,341 $2,987 $2,987 $6,196 $7,699 $3,700 $3,813
Travelers $2,719 $2,623 $2,404 $2,380 $5,753 $6,511 $3,546 $3,459
USAA $1,937 $1,834 $1,890 $1,896 $4,424 $4,448 $2,677 $2,529

Torrance, CA Car Insurance Rates for Teens

How much is Torrance, California car insurance for teens? Compare rates from top Torrance car insurance companies below to help find the cheapest teen car insurance in Torrance, CA.

Annual Car Insurance Rates for Teen Drivers in Torrance, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,461 $10,625
Farmers $9,320 $15,174
GEICO $5,705 $5,796
Liberty Mutual $5,226 $5,621
Nationwide $8,321 $9,186
Progressive $5,385 $6,479
State Farm $6,196 $7,699
Travelers $5,753 $6,511
USAA $4,424 $4,448

Torrance, CA Car Insurance Rates for Seniors

Before seniors buy Torrance, California car insurance, they should make sure to shop around. Some Torrance, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Torrance, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,210 $2,224
Farmers $2,651 $2,651
GEICO $1,759 $1,759
Liberty Mutual $2,268 $2,190
Nationwide $2,859 $2,690
Progressive $1,700 $2,015
State Farm $2,987 $2,987
Travelers $2,404 $2,380
USAA $1,890 $1,896

Torrance, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Torrance, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Torrance.

Annual Torrance, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,837 $4,764 $7,503 $3,720
Farmers $3,977 $5,410 $6,726 $5,368
GEICO $2,112 $3,271 $4,093 $2,621
Liberty Mutual $2,763 $3,698 $3,342 $2,928
Nationwide $3,236 $4,150 $7,013 $4,150
Progressive $2,087 $3,564 $4,131 $3,011
State Farm $3,042 $3,625 $6,837 $3,528
Travelers $2,423 $4,020 $4,640 $3,614
USAA $1,797 $2,676 $4,377 $1,968

Torrance, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Torrance, CA car insurance rates. Compare rates below to see which Torrance car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Torrance, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,503
Farmers $6,726
GEICO $4,093
Liberty Mutual $3,342
Nationwide $7,013
Progressive $4,131
State Farm $6,837
Travelers $4,640
USAA $4,377

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Torrance, CA Car Insurance Rates by ZIP Code

Just like Torrance car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Torrance, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Torrance, California

ZIP Code Average Annual Rates
90501 $5,429
90503 $5,173
90504 $5,309
90505 $5,215
90506 $5,461

Torrance, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Torrance, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Torrance companies based on commute time.

Annual Car Insurance Rates by Commute Length in Torrance, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,240 $5,172
Farmers $4,871 $5,870
GEICO $2,747 $3,302
Liberty Mutual $2,920 $3,445
Nationwide $4,094 $5,181
Progressive $2,900 $3,497
State Farm $4,102 $4,414
Travelers $3,305 $4,044
USAA $2,493 $2,917

Torrance, CA Cheapest Car Insurance Rates

How do the top Torrance, California car insurance companies’ average rates stack up against the Torrance average monthly car insurance rates of $322? Take a look and see.

Best Annual Car Insurance Rates by Company in Torrance, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Torrance, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Torrance, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Torrance, California

Insurance Company Average Annual Rates
Allstate $4,706
Farmers $5,370
GEICO $3,024
Liberty Mutual $3,183
Nationwide $4,637
Progressive $3,198
State Farm $4,258
Travelers $3,674
USAA $2,705

Other Factors Affecting Torrance, CA Car Insurance Rates

Before you buy Torrance, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Torrance, CA Car Theft Rates

The car theft rate in Torrance, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Torrance, California is 283 stolen cars.

Torrance, CA Commute Time

How does your Torrance, CA commute time compare with the average driver? In Torrance, the average commute is 29.2 minutes.

Torrance, CA Car Insurance Quotes

Compare Torrance, CA car insurance quotes from multiple companies by entering your ZIP code now.