Buy Cheap Downey, CA Auto Insurance (2021)

Downey, CA auto insurance rates average $353 a month. Minimum auto insurance requirements in Downey, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Downey, CA, compare Downey auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Downey after a DUI is Allstate
  • Average auto insurance rates in Downey, CA after a DUI are $5,978/year
  • Average auto insurance rates in Downey, CA are $353/month

Finding affordable Downey, California auto insurance can be challenging, but everything you need to know to buy cheap Downey, CA auto insurance with confidence is right here. Auto insurance rates in Downey are affected by local factors as well as personal ones like your driving record.

See how Downey, CA car insurance rates compare to Los Angeles auto insurance rates, Fresno auto insurance rates, and Long Beach auto insurance rates before you read more about the cost of auto insurance in Downey.

Don’t buy Downey, CA auto insurance until you’ve compared rates. Get free Downey, California auto insurance quotes when you enter your ZIP code above.

Downey, CA Minimum Auto Insurance Requirements

The required auto insurance in Downey, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Downey, California is outlined here.

Minimum Required Auto Insurance Coverage in Downey, 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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Buy Cheap Downey, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Downey, California auto insurance rates? Find out how car insurance rates in Downey, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Downey, 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 $3,444 $3,443 $2,496 $2,524 $9,604 $12,076 $4,429 $4,869
Farmers $2,941 $2,941 $2,662 $2,662 $9,375 $15,311 $3,486 $3,884
GEICO $1,956 $1,957 $1,839 $1,839 $5,971 $6,070 $2,813 $2,871
Liberty Mutual $2,483 $2,337 $2,323 $2,243 $5,370 $5,765 $2,784 $2,827
Nationwide $3,852 $3,674 $3,374 $3,177 $9,834 $10,870 $4,598 $4,538
Progressive $2,038 $2,099 $1,721 $2,050 $5,431 $6,563 $2,941 $3,165
State Farm $4,129 $4,129 $3,690 $3,690 $7,611 $9,446 $4,571 $4,713
Travelers $2,956 $2,856 $2,606 $2,578 $6,230 $7,106 $3,871 $3,778
USAA $2,095 $1,983 $2,043 $2,050 $4,803 $4,825 $2,896 $2,735

Buy Cheap Downey, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Downey can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Downey, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Downey, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,604 $12,076
Farmers $9,375 $15,311
GEICO $5,971 $6,070
Liberty Mutual $5,370 $5,765
Nationwide $9,834 $10,870
Progressive $5,431 $6,563
State Farm $7,611 $9,446
Travelers $6,230 $7,106
USAA $4,803 $4,825

Buy Cheap Downey, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Downey, California by comparing Downey senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Downey, CA here.

Annual Auto Insurance Rates for Senior Drivers in Downey, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,496 $2,524
Farmers $2,662 $2,662
GEICO $1,839 $1,839
Liberty Mutual $2,323 $2,243
Nationwide $3,374 $3,177
Progressive $1,721 $2,050
State Farm $3,690 $3,690
Travelers $2,606 $2,578
USAA $2,043 $2,050

Find Cheap Auto Insurance Rates in Downey, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Downey, California auto insurance. Compare Downey, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Downey, California

Insurance Company Low Medium High
Allstate $5,070 $5,407 $5,605
Farmers $5,018 $5,451 $5,754
GEICO $2,848 $3,202 $3,443
Liberty Mutual $3,017 $3,297 $3,486
Nationwide $4,912 $5,588 $5,968
Progressive $2,932 $3,344 $3,477
State Farm $4,723 $5,338 $5,681
Travelers $3,458 $4,108 $4,427
USAA $2,643 $2,988 $3,154

Find Cheap Downey, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Downey. Compare auto insurance rates in Downey, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Downey, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,832 $5,889
Farmers $4,906 $5,910
GEICO $2,874 $3,455
Liberty Mutual $2,997 $3,536
Nationwide $4,844 $6,135
Progressive $2,949 $3,553
State Farm $5,056 $5,439
Travelers $3,590 $4,405
USAA $2,698 $3,159

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Find Cheap Downey, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Downey, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Downey, CA to see how much where you live in Downey affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Downey, California

ZIP Code Average Annual Rates
90240 $5,918
90241 $5,836
90242 $5,619

Find Cheap Downey, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Downey, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Downey, CA, take a look at the average cost for various violations versus rates for a clean driving record in Downey.

Annual Downey, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,212 $5,448 $8,557 $4,226
Farmers $4,000 $5,446 $6,779 $5,406
GEICO $2,210 $3,423 $4,283 $2,742
Liberty Mutual $2,836 $3,796 $3,429 $3,005
Nationwide $3,824 $4,908 $8,318 $4,908
Progressive $2,126 $3,614 $4,198 $3,066
State Farm $3,745 $4,466 $8,433 $4,346
Travelers $2,632 $4,368 $5,064 $3,927
USAA $1,943 $2,898 $4,743 $2,130

Find Cheap Downey, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Downey, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Downey for less when you shop around and compare rates from multiple Downey, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Downey, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,557
Farmers $6,779
GEICO $4,283
Liberty Mutual $3,429
Nationwide $8,318
Progressive $4,198
State Farm $8,433
Travelers $5,064
USAA $4,743

Winners by Category: Where to Buy Cheap Auto Insurance in Downey, CA

Compare rates from the cheapest auto insurance companies in Downey, CA for your needs. Take a look at how Downey, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Downey, 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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Find Cheap Downey, California Auto Insurance Companies

If you’re looking for the cheapest Downey, CA auto insurance companies overall, you can compare them here. Find the best price for Downey, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Downey, California

Insurance Company Average Annual Rates
Allstate $5,361
Farmers $5,408
GEICO $3,165
Liberty Mutual $3,266
Nationwide $5,490
Progressive $3,251
State Farm $5,248
Travelers $3,998
USAA $2,929

What affects Downey, California auto insurance rates?

Local factors affect auto insurance rates in Downey, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Downey auto insurance rates.

Auto Theft in Downey

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Downey, CA auto theft show a total of 606 vehicle thefts annually.

Commute Times in Downey

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Downey, CA is 31.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Downey, CA

You can buy cheap Downey, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Downey, California auto insurance quotes from top companies.

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