Cheapest Car Insurance Quotes In Hawthorne, CA For 2024
GEICO is notably the most economical choice in Hawthorne, offering an average rate of $35 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Hawthorne, CA, finding affordable car insurance can be a challenge, but one company stands out for its competitive rates: GEICO. On average, residents can obtain car insurance for approximately $35 per month, significantly below the state’s average of $167.
For individuals seeking the most affordable liability-only coverage, GEICO is the top choice. Similarly, for drivers desiring more comprehensive protection, GEICO offers the best rates for full coverage policies, priced at $92 a month. However, State Farm provides the cheapest rates for young drivers, at $240 per month.
Cheapest Car Insurance Companies In Hawthorne, CA
Our Methodology
Utilizing a comprehensive analysis that considers factors including customer service ratings, product offerings, pricing, and an exhaustive review of multiple online platforms and user feedback, I have developed a thorough understanding of the car insurance provider landscape in Hawthorne, CA. This perspective is informed by over 15 years of active involvement in the industry as a licensed insurance agent. It's shaped by numerous interactions with representatives from different companies and insights acquired through firsthand experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Hawthorne, CA?
GEICO provides the most economical car insurance option in Hawthorne, CA, with coverage available for $160 per month.
Comparing its rates to the average rates across California and the entire United States, as depicted in the table below, GEICO’s prices are significantly lower:
| Area | Average Monthly Rate |
| National | $152 |
| California | $167 |
| Hawthorne, CA | $160 |
It’s important to note that the average national cost incorporates both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates are subject to variation based on location, influenced by factors like vehicle type, coverage amount, zip code, driving record, and more.
Cheapest Car Insurance Rates In Hawthorne For Seniors
State Farm offers the most affordable car insurance rates for seniors in Hawthorne, with an average monthly quote of $87.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $87 | $1,040 |
| GEICO | $92 | $1,095 |
| Progressive | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| Allstate | $104 | $1,249 |
In California, numerous seniors may discover favorable car insurance rates influenced by various beneficial factors. While age often plays a role in insurance rate calculations, and older age can sometimes be associated with reduced driving ability, this stereotype doesn’t apply universally.
Cheapest Car Insurance Rates In Hawthorne For Minimum Coverage
In Hawthorne, GEICO stands out as the most affordable car insurance provider for minimum coverage, with an average monthly cost of $35.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $35 | $439 |
| Progressive | $42 | $500 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Kemper | $49 | $581 |
In California, the minimum car insurance requirement is typically expressed as 15/30/5. This means your policy should include at least:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage per accident
Having minimum car insurance offers you some protection while driving, but it lacks collision or comprehensive coverage. This means damages to your vehicle in accidents or incidents like theft and natural disasters aren’t covered.
Moreover, driving without insurance is illegal in California. Failing to provide proof of insurance during a traffic stop could lead to penalties, including fines, license suspension, or other serious consequences.
Cheapest Car Insurance Rates In Hawthorne For Full Coverage
In Hawthorne, GEICO offers the most affordable car insurance rates for full coverage, with an average monthly quote of $92.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $95 | $1,286 |
| GEICO | $92 | $1,141 |
| Mercury | $103 | $1,238 |
| Allstate | $110 | $1,314 |
| State Farm | $111 | $1,326 |
Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. This type of insurance usually combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial coverage for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Hawthorne For Young Adults
In Hawthorne, State Farm provides the most affordable quotes for young adults, with rates averaging around $240 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $240 | $2,876 |
| GEICO | $242 | $2,917 |
| Kemper | $257 | $3,020 |
| Allstate | $264 | $3,119 |
| Travelers | $278 | $3,214 |
In California, young adult drivers typically enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a corresponding decrease in risky behaviors as drivers mature.
Statistically, young adults are less prone to filing claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Hawthorne For Teenagers
Teenage drivers in Hawthorne can secure the most economical quotes from State Farm, with average monthly premiums of $313.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $313 | $3,741 |
| GEICO | $319 | $3,832 |
| Kemper | $327 | $3,921 |
| Travelers | $354 | $4,112 |
| Allstate | $380 | $4,591 |
Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers categorize these young drivers as high-risk because they are statistically more likely to be involved in accidents and commit traffic violations.
Cheapest Car Insurance Rates In Hawthorne For Drivers With Prior Incidents
In Hawthorne, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk, anticipating a higher likelihood of future insurance claims.
As a result, insurance providers raise their rates for these individuals to offset the risk of facing increased claim payouts.
Cheapest Car Insurance Rates In Hawthorne For Drivers With A Speeding Ticket
State Farm stands out for its affordability compared to other insurance companies, offering average rates of $176 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $176 | $2,099 |
| Travelers | $241 | $2,842 |
| Geico | $320 | $3,894 |
| Allstate | $329 | $4,012 |
| Progressive | $368 | $4,477 |
Cheapest Car Insurance Rates In Hawthorne For Drivers With An At-Fault Accident
For drivers with an at-fault incident on their record, State Farm provides the most affordable car insurance quotes, with an average rate of $193 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $193 | $2,375 |
| Travelers | $259 | $3,218 |
| Geico | $265 | $3,242 |
| Progressive | $400 | $4,897 |
| Allstate | $555 | $6,717 |
Cheapest Car Insurance Rates In Hawthorne For Drivers After A DUI
For drivers in Hawthorne who have had a DUI, State Farm offers the lowest rates, with average monthly premiums of $188.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $188 | $2,319 |
| Travelers | $269 | $3,286 |
| Progressive | $319 | $3,623 |
| Geico | $337 | $4,042 |
| Allstate | $407 | $5,059 |
Cheapest Car Insurance Rates In Hawthorne For Good Drivers
GEICO offers the most affordable car insurance quotes for good drivers in Hawthorne, with rates averaging around $35 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $35 | $439 |
| Progressive | $42 | $500 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Kemper | $49 | $581 |
Drivers with clean driving records in Hawthorne usually benefit from lower car insurance rates because they’re viewed as lower risk by insurance companies. Driving records are used as indicators of driving safety. Fewer incidents, such as accidents or traffic violations, imply that the driver is cautious and less likely to file a claim.
Since insurance rates are based on the probability of a driver making a claim, a clean driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.
Best Car Insurance Companies In Hawthorne
When selecting a car insurance company in Hawthorne, CA, it’s crucial to balance affordable rates with reliable protection on the road. Below are the top 10 car insurance companies in Hawthorne, CA, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Direct Auto | $83 |
| Progressive | $90 |
| GEICO | $93 |
| National General | $101 |
| Mercury | $101 |
| CSAA | $103 |
| Allstate | $108 |
| State Farm | $109 |
| Capital Insurance Group | $118 |
| Nationwide | $120 |
Average Car Insurance Rates By Age In Hawthorne
| Age | Average Yearly Rate |
| Teenagers | $6,792 |
| 20s | $3,031 |
| 30s | $1,989 |
| 40s | $1,927 |
| 50s | $1,838 |
| 60s | $1,830 |
| 70s | $2,126 |
Age plays a significant role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby influencing the cost of premiums accordingly.
Average Car Insurance Rates By Vehicle Type In Hawthorne
| Vehicle | Average Monthly Rate |
| Mitsubishi Eclipse Cross | $127 |
| Honda Accord | $138 |
| Ford Maverick | $165 |
| Kia Forte | $210 |
| Nissan Frontier | $82 |
How Much Is Car Insurance For Other Cities In California?
| City | Average Monthly Rate |
| Jurupa Valley | $140 |
| San Diego | $126 |
| Pleasanton | $124 |
| Culver City | $160 |
| Fresno | $132 |
| Lynwood | $160 |
| Norwalk | $147 |
| Palo Alto | $132 |
| Bakersfield | $132 |
| Lancaster | $181 |
The city you live in significantly affects your car insurance rates. Insurance companies evaluate various factors related to your location, including the likelihood of accidents, vehicle theft, and vandalism rates. These risks are usually higher in urban areas, leading to increased premiums.
FAQs
Who has the lowest car insurance rates in Hawthorne?
In Hawthorne, the most affordable car insurance rates are provided by GEICO for both the minimum coverage required by the State of California and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Hawthorne?
The average cost of car insurance in Hawthorne is approximately $160 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.
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