Best Cheap Car Insurance Companies in Pacoima, Calif.
The best car insurance options in Pacoima, Calif., are Geico, USAA, Progressive, AAA and Mercury. These companies have rates that are lower than average for both minimum and full coverage in the city. In addition, they’re all known for their excellent customer service and provide coverage that’s of a high quality.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.
How Much Is Car Insurance in Pacoima, Calif.?
Our data shows that the average cost of minimum-coverage car insurance in Pacoima, Calif., is $66 per month or $789 per year. This is about 27% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $239 per month or $2,873 per year on average, which is about 43% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Pacoima
Geico offers the cheapest liability insurance with average rates of $44 per month or $522 per year. USAA is the second-cheapest option in Pacoima with average rates of $49 per month or $584 per year.
Liability coverage is the minimum coverage required by the state of California. According to California law, all drivers must either meet or exceed the following minimum requirements:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
Cheapest Full-Coverage Car Insurance in Pacoima, Calif.
A full-coverage car insurance policy can be pricey in Pacoima. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Mercury is the cheapest full-coverage option with average rates of $187 per month or $2,242 per year.
Pacoima Car Insurance Quotes by Driver Profile
Car insurance rates can be influenced by various factors, so the most affordable company for one driver may not be for another. While our rate estimates show that Farmers insurance quotes are on the pricier side, that won’t be true for everyone. In this section, we’ll examine how the cost of car insurance in Pacoima is affected by the age of the driver and their driving record.
A simple way to save on the cost of personal auto coverage in Pacoima is by bundling your policy with home insurance, renters insurance, life insurance, business insurance and commercial auto coverage. Combining these insurance services with your auto insurance quote could lead to lower rates than if they were purchased separately.
It’s also smart to get quotes from insurance agencies throughout the region to find your cheapest high-quality option. There are plenty of offices throughout Pacoima, Panorama City, Arleta and San Fernando where you could find reasonable rates on insurance coverage.
Pacoima Car Insurance Cost by Age
Teenagers nearly always pay the most for auto insurance because they’re more likely to have accidents or to break traffic laws. Our data shows that 16-year-olds pay about $206 per month or $2,471 per year for car insurance in Pacoima.
The price of car insurance usually goes down as drivers move into their 20s and it keeps decreasing as they age. Here are some examples of the average minimum-coverage costs for car insurance in Pacoima, based on different age groups.
Cheapest Car Insurance in Pacoima: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that USAA is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $146 per month or $1,747 per year. Geico, Progressive and Mercury also offer affordable premiums for Pacoima teens.
Pacoima Car Insurance Cost by Driving Record
If drivers have gotten speeding tickets, been involved in accidents or have a DUI on their records, they should expect to pay higher car insurance costs. On average, speeding can increase your rates by 43%, an at-fault accident by 79% and a DUI by 175%.
While each company sets different price increases, our research indicates that Mercury is the top choice for individuals with driving violations. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Pacoima: Speeding Ticket
Let’s look a little more closely at the details. According to our data, USAA offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records —$60 per month or $714 per year. Geico follows close behind with an average monthly rate of $70, while AAA, Mercury and Kemper round out the top five options for cheap speeding ticket car insurance.
Cheapest Car Insurance in Pacoima: At-Fault Accident
If you’ve caused an accident in the past while driving, insurance rates may go up quicker than if you were given a ticket for speeding. USAA and AAA are the cheapest here with average rates of about $79 per month and $87 per month, respectively. You can see that some auto insurance companies charge significantly more for this amount of coverage after an accident.
Cheapest Car Insurance in Pacoima: DUI
Getting a DUI is a major issue that can make your car insurance rates in Pacoima go up by hundreds of dollars per year. Mercury is far cheaper than other companies, offering average rates of $97 per month or $1,164 per year for drivers with a DUI. Progressive, Geico and Kemper are also good options with rates under $140 per month on average.
Cheap Car Insurance in Pacoima, Calif.: The Bottom Line
Auto insurance rates in Pacoima are higher than the California and national averages by 37% and 27%, respectively. Despite this, there are still a few affordable insurance providers for drivers in the city to choose from. Geico offers the lowest minimum-coverage rates in the city, starting at around $44 per month. Mercury provides affordable full-coverage options for Pacoima drivers, with rates starting at $187 per month.
Compare free quotes to find the company that meets your California car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents. Whether you want a minimum-coverage policy or full coverage with roadside assistance, there are plenty of options with superb insurance and years of experience.
Cheapest Auto Insurance in Pacoima, Calif.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Pacoima:
*Cost data comes from Quadrant Information Services and was accurate at time of publication.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.